Swap XRP for USD Coin (USDC Polygon)

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 12:04

Orders from: 71.0732 XRP ≈ $88.84
Payout network: Polygon
24 hours: +0.61%

You send

XRP

You get 1,255.94

USDC Polygon

Start the order

Rate: 1 XRP = 1.2559 USDC Polygon
From: 71.0732 XRP
Up to: 8,000,000 XRP

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

One XRP buys 1.2559 USDC Polygon right now; the other way round, 1 USDC Polygon is 0.796217 XRP. Market over 24 hours: XRP against USDC Polygon plus 0.61%. The week added minus 3.71%.

The weekly corridor ran from 1.2086 to 1.3379 USDC Polygon, a spread of 10.7%. A single order takes 71.0732 to 8,000,000 XRP. In dollars that is roughly $88.84.

The payout leaves in the Polygon 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 Polygon 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 Polygon → XRP direction is open too, so going back into XRP takes the same route.

XRP → USDC Polygon rate and amounts

1 XRP = 1.2559 USDC Polygon

1 USDC Polygon = 0.796217 XRP

Send XRP — receive USDC Polygon

XRP	USDC Polygon
100	125.5939
500	627.9695
1,000	1,255.94
5,000	6,279.7
10,000	12,559.39
50,000	62,796.95

Need USDC Polygon — send this much XRP

USDC Polygon	XRP
100	79.6217
500	398.1085
2,000	1,592.43
5,000	3,981.09
20,000	15,924.34
100,000	79,621.7

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 open now	1.2559	71.0732 XRP	≈ $0.00015	fast
Solana	1.2559	71.0732 XRP	≈ $0.00048	fast
Ethereum (ERC20)	1.2559	71.0732 XRP	≈ $0.008	medium
Arbitrum One	1.2596	—	≈ $0.003	fast
BASE	1.2596	—	—	—
BNB Smart Chain (BEP20)	1.2596	—	≈ $0.0023	fast
Avalanche C-Chain	1.2596	—	≈ $0.0015	fast
NEAR	1.2596	—	—	—
Optimism	1.2596	—	≈ $0.00015	fast
XLM	1.2596	—	—	—

XRP → USDC: compare all networks USDC network fees

How the XRP → USDC Polygon order runs

Work out the amount in the calculator: orders start at 71.0732 XRP.
Enter a USDC address in Polygon 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 Polygon

Check this before sending XRP

The address network is Polygon. Sending through another network usually means losing the transfer.
The transfer must not be smaller than 71.0732 XRP.
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 Polygon rate has been

WeekMonthQuarterYear

high 1.3379 USDC Polygonlow 1.2086 USDC Polygon

Oct 25, 2026 12:04Nov 1, 2026 12:04

high 1.5197 USDC Polygonlow 1.2369 USDC Polygon

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

high 1.5715 USDC Polygonlow 0.993158 USDC Polygon

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

high 2.5274 USDC Polygonlow 0.993158 USDC Polygon

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

24 hours: +0.61%
Week: −3.71%
Weekly high: 1.3379 USDC Polygon
Weekly low: 1.2086 USDC Polygon
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 Polygon 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 Polygon per unit sent, from market data.

Daily XRP → USDC Polygon rate

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

Daily RubyCash rate: XRP → USDC Polygon

Date	RubyCash rate	Market rate
Nov 1, 2026	1.2559 USDC Polygon	1.25
Oct 31, 2026	1.2538 USDC Polygon	1.25
Oct 30, 2026	1.2549 USDC Polygon	1.2505
Oct 29, 2026	1.2435 USDC Polygon	1.241
Oct 28, 2026	1.3273 USDC Polygon	1.3306
Oct 27, 2026	1.3307 USDC Polygon	1.3209
Oct 26, 2026	1.2896 USDC Polygon	1.2909
Oct 25, 2026	1.3032 USDC Polygon	1.3006
Oct 24, 2026	1.2957 USDC Polygon	1.2905
Oct 22, 2026	1.3088 USDC Polygon	1.3106
Oct 21, 2026	1.3709 USDC Polygon	1.3904
Oct 20, 2026	1.3381 USDC Polygon	1.3303
Oct 19, 2026	1.3078 USDC Polygon	1.3002
Oct 18, 2026	1.3017 USDC Polygon	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	—	Polygon
Fees are paid in	—	POL

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

Common questions: XRP → USDC Polygon

What rate does XRP to USDC Polygon run at?

As of Nov 1, 2026 12:04 it is 1 XRP = 1.2559 USDC Polygon. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.26.

What amounts does XRP → USDC Polygon accept?

From 71.0732 to 8,000,000 XRP per order. The lower limit is roughly $88.84.

Where does the 71.0732 XRP floor come from?

Network fees and order handling eat a small transfer alive — below 71.0732 XRP the swap stops making sense for either side.

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 Polygon 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 Polygon arrive in?

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

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

Can I go back, USDC Polygon to XRP?

Yes, the reverse direction is open: 1 USDC Polygon = 0.799166 XRP. The link sits right under the calculator.