Swap XRP for USD Coin (USDC XLM)
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 Sep 18, 2026 17:13
- Payout network
- XLM
- 24 hours
- +1.85%
One XRP buys 1.3719 USDC XLM right now; the other way round, 1 USDC XLM is 0.728929 XRP. Market over 24 hours: XRP against USDC XLM plus 1.85%. The week added minus 3.11%.
The weekly corridor ran from 1.2658 to 1.4775 USDC XLM, a spread of 16.72%.
The payout leaves in the XLM network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($83.29 B) and USD Coin 6th ($73.77 B). Daily moves of XRP and USDC over 90 days line up at 0.05 (they travel apart).
Who takes the XRP → USDC XLM route
- Sitting out the swingsXRP moved +29.92% over the past month. USDC tracks the dollar, so after the swap the value stops following XRP.
- A road both waysThe USDC XLM → XRP direction is open too, so going back into XRP takes the same route.
XRP → USDC XLM rate and amounts
1 XRP = 1.3719 USDC XLM
1 USDC XLM = 0.728929 XRP
Send XRP — receive USDC XLM
| XRP | USDC XLM |
|---|---|
| 10 | 13.7188 |
| 50 | 68.5938 |
| 200 | 274.3752 |
| 2,000 | 2,743.75 |
| 10,000 | 13,718.76 |
| 50,000 | 68,593.81 |
Need USDC XLM — send this much XRP
| USDC XLM | XRP |
|---|---|
| 20 | 14.5786 |
| 100 | 72.8929 |
| 500 | 364.4644 |
| 5,000 | 3,644.64 |
| 20,000 | 14,578.58 |
| 100,000 | 72,892.88 |
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 | 1.3679 | 71.0732 XRP | ≈ $0.0018 | fast |
| Solana | 1.3679 | 71.0732 XRP | ≈ $0.00053 | fast |
| Ethereum (ERC20) | 1.3679 | 71.0732 XRP | ≈ $0.22 | medium |
| Arbitrum One | 1.3719 | — | ≈ $0.0041 | fast |
| BASE | 1.3719 | — | — | — |
| BNB Smart Chain (BEP20) | 1.3719 | — | ≈ $0.0024 | fast |
| Avalanche C-Chain | 1.3719 | — | ≈ $0.0012 | fast |
| NEAR | 1.3719 | — | — | — |
| Optimism | 1.3719 | — | ≈ $0.00024 | fast |
| XLM open now | 1.3719 | — | — | — |
How the XRP → USDC XLM order runs
- Work out the amount in the calculator and press the exchange button.
- Enter a USDC address in XLM 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 XLM. 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 XLM rate has been
high 1.4775 USDC XLMlow 1.2658 USDC XLM
Sep 11, 2026 17:13Sep 18, 2026 17:13
high 1.5207 USDC XLMlow 1.0014 USDC XLM
Aug 19, 2026 03:00Sep 18, 2026 03:00
high 1.5207 USDC XLMlow 0.993158 USDC XLM
Jun 20, 2026 03:00Sep 18, 2026 03:00
high 3.0768 USDC XLMlow 0.993158 USDC XLM
Sep 19, 2025 03:00Sep 18, 2026 03:00
- 24 hours
- +1.85%
- Week
- −3.11%
- Weekly high
- 1.4775 USDC XLM
- Weekly low
- 1.2658 USDC XLM
- Spread
- 16.72%
Market data from CoinGecko as of Sep 18, 2026 16:24; the exchange rate is calculated separately and differs. Where these numbers come from
How far XRP/USDC XLM travelled, by period
| Period | High | Low | Middle | Net move |
|---|---|---|---|---|
| 24 hours | 1.3361 | 1.2951 | 1.3107 | +1.85% |
| Week | 1.4775 | 1.2658 | 1.3472 | −3.11% |
| Month | 1.5207 | 1.0014 | 1.3685 | +29.94% |
| Quarter | 1.5207 | 0.993158 | 1.1766 | +14.55% |
Figures are in USDC XLM per unit sent, from market data.
Daily XRP → USDC XLM rate
| Day | Close | Against the day before |
|---|---|---|
| Sep 18, 2026 | 1.3012 USDC XLM | +0.19% |
| Sep 17, 2026 | 1.2987 USDC XLM | +1.17% |
| Sep 16, 2026 | 1.2837 USDC XLM | −9.81% |
| Sep 15, 2026 | 1.4233 USDC XLM | +6.08% |
| Sep 14, 2026 | 1.3418 USDC XLM | −1.8% |
| Sep 13, 2026 | 1.3664 USDC XLM | +0.76% |
| Sep 12, 2026 | 1.356 USDC XLM | +1.64% |
Daily RubyCash rate: XRP → USDC XLM
| Date | RubyCash rate | Market rate |
|---|---|---|
| Sep 18, 2026 | 1.3687 USDC XLM | 1.3206 |
| Sep 17, 2026 | 1.3019 USDC XLM | 1.2905 |
| Sep 16, 2026 | 1.2946 USDC XLM | 1.2904 |
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
- $1.32
- 24 hours
- +1.84%
- Week
- −0.4%
- Market cap
- $83.29 B
- 24-hour turnover
- $2.69 B
- Rank by cap
- #5
- In circulation
- 62.88 B XRP
- Record price
- $3.65
USD Coin USDC- Price
- $0.999528
- 24 hours
- −0.01%
- Week
- 0%
- Market cap
- $73.77 B
- 24-hour turnover
- $16.85 B
- Rank by cap
- #6
- In circulation
- 73.81 B USDC
- Record price
- $1.04
Source: CoinGecko, Sep 18, 2026 16:24.
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 | 62.88 B XRP | 73.81 B USDC |
| Market cap | $83.29 B | $73.77 B |
| Rank by cap | #5 | #6 |
| Network | — | XLM |
Daily moves of XRP and USDC over 90 days line up at 0.05 — they travel apart.
Common questions: XRP → USDC XLM
What rate does XRP to USDC XLM run at?
As of Sep 18, 2026 17:13 it is 1 XRP = 1.3719 USDC XLM. The figure recalculates on its own, and the calculator always shows the fresh one. In dollars that is around $1.37.
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 XLM 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 XLM arrive in?
The payout leaves in XLM. 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 XLM rate do this month?
The month came in at plus 29.94%. Low 1.0014, high 1.5207, middle 1.3685 USDC XLM per XRP.
Can I go back, USDC XLM to XRP?
Yes, the reverse direction is open: 1 USDC XLM = 0.73479 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 → USDS1.3683
XRP → USDT Arbitrum1.373- XRP → USDT BEP201.373
- XRP → USDT AVAX C1.373
- XRP → USDT ERC201.373
- XRP → USDT NEAR1.373
- XRP → USDT OMNI1.373
- XRP → USDT Optimism1.373
