Swap XRP for USD Coin (USDC Optimism)

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 1, 2026 12:54

Payout network: Optimism
24 hours: +0.61%

You send

XRP

You get 1.2578

USDC Optimism

Start the order

Rate: 1 XRP = 1.2578 USDC Optimism
Up to: 8,000,000 XRP

The figure is indicative; the exact amount is locked in the order.

The direction runs at 1.2578 USDC Optimism per XRP, or 0.795048 XRP per USDC Optimism. Market over 24 hours: XRP against USDC Optimism plus 0.61%. The week added minus 3.71%.

The weekly corridor ran from 1.2086 to 1.3379 USDC Optimism, a spread of 10.7%.

The payout leaves in the Optimism network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($79.32 B) and USD Coin 6th ($71.65 B). Daily moves of XRP and USDC over 90 days line up at 0.08 (they travel apart).

Who takes the XRP → USDC Optimism route

Sitting out the swingsXRP moved −16.01% over the past month. USDC tracks the dollar, so after the swap the value stops following XRP.
A road both waysThe USDC Optimism → XRP direction is open too, so going back into XRP takes the same route.

XRP → USDC Optimism rate and amounts

1 XRP = 1.2578 USDC Optimism

1 USDC Optimism = 0.795048 XRP

Send XRP — receive USDC Optimism

XRP	USDC Optimism
10	12.5779
50	62.8893
200	251.5573
2,000	2,515.57
10,000	12,577.86
50,000	62,889.32

Need USDC Optimism — send this much XRP

USDC Optimism	XRP
10	7.9505
50	39.7524
500	397.5238
2,000	1,590.1
20,000	15,900.95
100,000	79,504.75

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	1.2541	71.0732 XRP	≈ $0.00017	fast
Solana	1.2541	71.0732 XRP	≈ $0.00048	fast
Ethereum (ERC20)	1.2541	71.0732 XRP	≈ $0.0062	medium
Arbitrum One	1.2578	—	≈ $0.003	fast
BASE	1.2578	—	—	—
BNB Smart Chain (BEP20)	1.2578	—	≈ $0.0023	fast
Avalanche C-Chain	1.2578	—	≈ $0.0015	fast
NEAR	1.2578	—	—	—
Optimism open now	1.2578	—	≈ $0.00015	fast
XLM	1.2578	—	—	—

XRP → USDC: compare all networks USDC network fees

How the XRP → USDC Optimism order runs

Work out the amount in the calculator and press the exchange button.
Enter a USDC address in Optimism 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.

Swap XRP for USDC Optimism

Check this before sending XRP

The address network is Optimism. 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 Optimism rate has been

WeekMonthQuarterYear

high 1.3379 USDC Optimismlow 1.2086 USDC Optimism

Oct 25, 2026 12:59Nov 1, 2026 12:59

high 1.5197 USDC Optimismlow 1.2369 USDC Optimism

Oct 1, 2026 03:00Oct 31, 2026 03:00

high 1.5715 USDC Optimismlow 0.993158 USDC Optimism

Aug 2, 2026 03:00Oct 31, 2026 03:00

high 2.5274 USDC Optimismlow 0.993158 USDC Optimism

Nov 1, 2025 03:00Oct 31, 2026 03:00

24 hours: +0.61%
Week: −3.71%
Weekly high: 1.3379 USDC Optimism
Weekly low: 1.2086 USDC Optimism
Spread: 10.7%

Market data from CoinGecko as of Nov 1, 2026 11:54; the exchange rate is calculated separately and differs. Where these numbers come from

How far XRP/USDC Optimism travelled, by period

Period	High	Low	Middle	Net move
24 hours	1.2543	1.2449	1.2503	+0.61%
Week	1.3379	1.2086	1.2847	−3.71%
Month	1.5197	1.2369	1.3683	−16.03%
Quarter	1.5715	0.993158	1.3222	+17.98%

Figures are in USDC Optimism per unit sent, from market data.

Daily XRP → USDC Optimism rate

Day	Close	Against the day before
Oct 31, 2026	1.2511 USDC Optimism	+1.15%
Oct 30, 2026	1.2369 USDC Optimism	−6.67%
Oct 29, 2026	1.3253 USDC Optimism	−0.38%
Oct 28, 2026	1.3303 USDC Optimism	+1.73%
Oct 27, 2026	1.3077 USDC Optimism	+0.99%
Oct 26, 2026	1.2948 USDC Optimism	−0.32%
Oct 25, 2026	1.2989 USDC Optimism	+0.37%

Daily RubyCash rate: XRP → USDC Optimism

Date	RubyCash rate	Market rate
Nov 1, 2026	1.2596 USDC Optimism	1.25
Oct 31, 2026	1.2575 USDC Optimism	1.25
Oct 30, 2026	1.2585 USDC Optimism	1.2505
Oct 29, 2026	1.2471 USDC Optimism	1.241
Oct 28, 2026	1.3312 USDC Optimism	1.3306
Oct 27, 2026	1.3345 USDC Optimism	1.3209
Oct 26, 2026	1.2933 USDC Optimism	1.2909
Oct 25, 2026	1.307 USDC Optimism	1.3006
Oct 24, 2026	1.2995 USDC Optimism	1.2905
Oct 22, 2026	1.3126 USDC Optimism	1.3106
Oct 21, 2026	1.3748 USDC Optimism	1.3904
Oct 20, 2026	1.342 USDC Optimism	1.3303
Oct 19, 2026	1.3116 USDC Optimism	1.3002
Oct 18, 2026	1.3055 USDC Optimism	1.2903

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: +0.62%
Week: −3.19%
Market cap: $79.32 B
24-hour turnover: $665.6 M
Rank by cap: #5
In circulation: 63.35 B XRP
Record price: $3.65

USD Coin USDC

Price: $1.00
24 hours: +0.01%
Week: +0.05%
Market cap: $71.65 B
24-hour turnover: $5.88 B
Rank by cap: #6
In circulation: 71.65 B USDC
Record price: $1.04

Source: CoinGecko, Nov 1, 2026 11:54.

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	71.65 B USDC
Market cap	$79.32 B	$71.65 B
Rank by cap	#5	#6
Network	—	Optimism
Fees are paid in	—	ETH

Daily moves of XRP and USDC over 90 days line up at 0.08 — they travel apart.

Common questions: XRP → USDC Optimism

What rate does XRP to USDC Optimism run at?

As of Nov 1, 2026 12:54 it is 1 XRP = 1.2578 USDC Optimism. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.26.

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 Optimism 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 Optimism arrive in?

The payout leaves in Optimism. 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 Optimism rate do this month?

The month came in at minus 16.03%. Low 1.2369, high 1.5197, middle 1.3683 USDC Optimism per XRP.

Can I go back, USDC Optimism to XRP?

Yes, the reverse direction is open: 1 USDC Optimism = 0.80144 XRP. The link sits right under the calculator.