Swap XRP for USD Coin (USDC NEAR)
The calculator does the maths at the live rate, the page lists the limits and the timing. Your rate is locked the moment the order is created.
Rate as of Nov 3, 2026 03:14
- Payout network
- NEAR
- 24 hours
- −0.23%
You get
USDC NEAR
Start the order
USDC NEAR
The figure is indicative; the exact amount is locked in the order.
The direction runs at 1.2553 USDC NEAR per XRP, or 0.796641 XRP per USDC NEAR. Market over 24 hours: XRP against USDC NEAR minus 0.23%. The week added minus 2.98%.
The weekly corridor ran from 1.2196 to 1.3346 USDC NEAR, a spread of 9.43%.
The payout leaves in the NEAR network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($79.05 B) and USD Coin 6th ($70.99 B). Daily moves of XRP and USDC over 90 days line up at 0.08 (they travel apart).
Who takes the XRP → USDC NEAR route
- Sitting out the swingsXRP moved −15.97% over the past month. USDC tracks the dollar, so after the swap the value stops following XRP.
- A road both waysThe USDC NEAR → XRP direction is open too, so going back into XRP takes the same route.
XRP → USDC NEAR rate and amounts
1 XRP = 1.2553 USDC NEAR
1 USDC NEAR = 0.796641 XRP
Send XRP — receive USDC NEAR
| XRP | USDC NEAR |
|---|---|
| 10 | 12.5527 |
| 50 | 62.7635 |
| 200 | 251.0542 |
| 2,000 | 2,510.54 |
| 10,000 | 12,552.71 |
| 50,000 | 62,763.54 |
Need USDC NEAR — send this much XRP
| USDC NEAR | XRP |
|---|---|
| 20 | 15.9328 |
| 100 | 79.6641 |
| 500 | 398.3204 |
| 5,000 | 3,983.2 |
| 20,000 | 15,932.82 |
| 100,000 | 79,664.08 |
Payout network for USDC
The same USDC goes out in several networks. Rates and lower limits differ, and the fee is charged by the network itself.
| Network | Per XRP | From | Network fee | Speed |
|---|---|---|---|---|
| Polygon | 1.2516 | 71.0732 XRP | ≈ $0.0016 | fast |
| Solana | 1.2516 | 71.0732 XRP | ≈ $0.00046 | fast |
| Ethereum (ERC20) | 1.2516 | 71.0732 XRP | ≈ $0.0053 | medium |
| Arbitrum One | 1.2553 | — | ≈ $0.0029 | fast |
| BASE | 1.2553 | — | — | — |
| BNB Smart Chain (BEP20) | 1.2553 | — | ≈ $0.0023 | fast |
| Avalanche C-Chain | 1.2553 | — | ≈ $0.0014 | fast |
| NEAR open now | 1.2553 | — | — | — |
| Optimism | 1.2553 | — | ≈ $0.00015 | fast |
| XLM | 1.2553 | — | — | — |
How the XRP → USDC NEAR order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDC address in NEAR and a way to reach you.
- Send XRP in XRP Ledger for exactly the amount stated in the order.
- Once the network confirms your transfer, USD Coin leaves for your address. The order page tracks every step.
Check this before sending XRP
- The address network is NEAR. Sending through another network usually means losing the transfer.
- Copy the address whole, then compare the first and last characters after pasting.
- Coins go through an AML check: a flagged transfer can be held until the check is finished.
Where the XRP to USDC NEAR rate has been
high 1.3346 USDC NEARlow 1.2196 USDC NEAR
Oct 27, 2026 03:14Nov 3, 2026 03:14
high 1.5197 USDC NEARlow 1.2369 USDC NEAR
Oct 3, 2026 03:00Nov 2, 2026 03:00
high 1.5715 USDC NEARlow 0.993158 USDC NEAR
Aug 4, 2026 03:00Nov 2, 2026 03:00
high 2.5274 USDC NEARlow 0.993158 USDC NEAR
Nov 3, 2025 03:00Nov 2, 2026 03:00
- 24 hours
- −0.23%
- Week
- −2.98%
- Weekly high
- 1.3346 USDC NEAR
- Weekly low
- 1.2196 USDC NEAR
- Spread
- 9.43%
Market data from CoinGecko as of Nov 3, 2026 02:54; the exchange rate is calculated separately and differs. Where these numbers come from
How far XRP/USDC NEAR travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 1.2538 | 1.2424 | 1.2495 | −0.23% |
| Week | 1.3346 | 1.2196 | 1.2744 | −2.98% |
| Month | 1.5197 | 1.2369 | 1.3528 | −15.92% |
| Quarter | 1.5715 | 0.993158 | 1.3261 | +16.11% |
Figures are in USDC NEAR per unit sent, from market data.
Daily XRP → USDC NEAR rate
| Day | Close | Against the day before |
|---|---|---|
| Nov 2, 2026 | 1.2483 USDC NEAR | −0.17% |
| Nov 1, 2026 | 1.2505 USDC NEAR | −0.37% |
| Oct 31, 2026 | 1.2551 USDC NEAR | +1.47% |
| Oct 30, 2026 | 1.2369 USDC NEAR | −6.67% |
| Oct 29, 2026 | 1.3253 USDC NEAR | −0.38% |
| Oct 28, 2026 | 1.3303 USDC NEAR | +1.73% |
| Oct 27, 2026 | 1.3077 USDC NEAR | +0.99% |
Daily RubyCash rate: XRP → USDC NEAR
| Date | RubyCash rate | Market rate |
|---|---|---|
| Nov 3, 2026 | 1.2553 USDC NEAR | 1.2508 |
| Nov 2, 2026 | 1.2529 USDC NEAR | 1.2509 |
| Nov 1, 2026 | 1.2534 USDC NEAR | 1.2503 |
| Oct 31, 2026 | 1.2575 USDC NEAR | 1.25 |
| Oct 30, 2026 | 1.2585 USDC NEAR | 1.2505 |
| Oct 29, 2026 | 1.2471 USDC NEAR | 1.241 |
| Oct 28, 2026 | 1.3312 USDC NEAR | 1.3306 |
| Oct 27, 2026 | 1.3345 USDC NEAR | 1.3209 |
| Oct 26, 2026 | 1.2933 USDC NEAR | 1.2909 |
| Oct 25, 2026 | 1.307 USDC NEAR | 1.3006 |
| Oct 24, 2026 | 1.2995 USDC NEAR | 1.2905 |
| Oct 22, 2026 | 1.3126 USDC NEAR | 1.3106 |
| Oct 21, 2026 | 1.3748 USDC NEAR | 1.3904 |
| Oct 20, 2026 | 1.342 USDC NEAR | 1.3303 |
Our own rate is written down every hour; the table keeps the last entry of each day. The market column is the ratio of the same two coins on CoinGecko at that moment. Where these numbers come from
The numbers on XRP and USDC
XRP XRP- Price
- $1.25
- 24 hours
- −0.27%
- Week
- −3.34%
- Market cap
- $79.05 B
- 24-hour turnover
- $1.39 B
- Rank by cap
- #5
- In circulation
- 63.35 B XRP
- Record price
- $3.65
USD Coin USDC- Price
- $0.999324
- 24 hours
- −0.04%
- Week
- −0.01%
- Market cap
- $70.99 B
- 24-hour turnover
- $13.98 B
- Rank by cap
- #6
- In circulation
- 71.04 B USDC
- Record price
- $1.04
Source: CoinGecko, Nov 3, 2026 02:54.
XRP against USD Coin
| XRP (XRP) | USD Coin (USDC) | |
|---|---|---|
| Ticker | XRP | USDC |
| Type | coin of its own network | token |
| Launched | 2012 | 2018 |
| Built by | Ripple Labs | Circle |
| Consensus | XRP Ledger Consensus Protocol | — |
| Block | ~4 sec | — |
| Supply cap | 100 B XRP | no cap |
| Privacy | transfers are public | — |
| In circulation | 63.35 B XRP | 71.04 B USDC |
| Market cap | $79.05 B | $70.99 B |
| Rank by cap | #5 | #6 |
| Network | — | NEAR |
Daily moves of XRP and USDC over 90 days line up at 0.08 — they travel apart.
Common questions: XRP → USDC NEAR
What rate does XRP to USDC NEAR run at?
As of Nov 3, 2026 03:14 it is 1 XRP = 1.2553 USDC NEAR. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.25.
What else is taken on top of the rate?
The payout is already calculated at the rate in the calculator. On top of it you only pay the network fee for sending XRP, and that one goes to the blockchain, not to us.
How long does XRP to USDC NEAR take?
The clock starts with confirmations: the order goes into work once XRP Ledger confirms your transfer. After that it comes down to how busy the network is. A block in XRP Ledger closes in about 4 sec.
Which network will USDC NEAR arrive in?
The payout leaves in NEAR. Make sure the receiving wallet works with that network.
Where is receiving USDC cheaper?
The cheapest is usually USDC Polygon, USDC SOL, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC Optimism. Still, the network is chosen by what the recipient supports, not by the fee.
What if the rate moves while I am paying?
The rate is pinned to the order and does not move while the order is alive. It can be recalculated if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.
What did the XRP to USDC NEAR rate do this month?
The month came in at minus 15.92%. Low 1.2369, high 1.5197, middle 1.3528 USDC NEAR per XRP.
Can I go back, USDC NEAR to XRP?
Yes, the reverse direction is open: 1 USDC NEAR = 0.803046 XRP. The link sits right under the calculator.
Worth reading
Where else this can go
The other way round
Send XRP, receive something else
XRP → USDS1.2513
XRP → USDT Arbitrum1.257- XRP → USDT BEP201.257
- XRP → USDT AVAX C1.257
- XRP → USDT ERC201.257
- XRP → USDT NEAR1.257
- XRP → USDT OMNI1.257
- XRP → USDT Optimism1.257
