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 Nov 2, 2026 22:24

Payout network: XLM
24 hours: −0.14%

You send

XRP

You get 1.2474

USDC XLM

Start the order

Rate: 1 XRP = 1.2474 USDC XLM
Up to: 8,000,000 XRP

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

One XRP buys 1.2474 USDC XLM right now; the other way round, 1 USDC XLM is 0.801679 XRP. Market over 24 hours: XRP against USDC XLM minus 0.14%. The week added minus 3.64%.

The weekly corridor ran from 1.2196 to 1.3346 USDC XLM, a spread of 9.43%.

The payout leaves in the XLM network, so the receiving address has to belong to that network. By market cap XRP sits 5th ($79 B) and USD Coin 6th ($71.01 B). Daily moves of XRP and USDC over 90 days line up at 0.08 (they travel apart).

Who takes the XRP → USDC XLM route

Sitting out the swingsXRP moved −15.9% 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 = 1.2474 USDC XLM

1 USDC XLM = 0.801679 XRP

Send XRP — receive USDC XLM

XRP	USDC XLM
10	12.4738
50	62.3691
200	249.4765
2,000	2,494.77
10,000	12,473.83
50,000	62,369.14

Need USDC XLM — send this much XRP

USDC XLM	XRP
20	16.0336
100	80.1679
500	400.8393
5,000	4,008.39
20,000	16,033.57
100,000	80,167.86

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	1.2438	71.0732 XRP	≈ $0.0016	fast
Solana	1.2438	71.0732 XRP	≈ $0.00046	fast
Ethereum (ERC20)	1.2438	71.0732 XRP	≈ $0.024	medium
Arbitrum One	1.2474	—	≈ $0.0029	fast
BASE	1.2474	—	—	—
BNB Smart Chain (BEP20)	1.2474	—	≈ $0.0023	fast
Avalanche C-Chain	1.2474	—	≈ $0.0014	fast
NEAR	1.2474	—	—	—
Optimism	1.2474	—	≈ $0.00015	fast
XLM open now	1.2474	—	—	—

XRP → USDC: compare all networks USDC network fees

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.

Swap XRP for USDC XLM

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

WeekMonthQuarterYear

high 1.3346 USDC XLMlow 1.2196 USDC XLM

Oct 26, 2026 22:27Nov 2, 2026 22:27

high 1.5197 USDC XLMlow 1.2369 USDC XLM

Oct 3, 2026 03:00Nov 2, 2026 03:00

high 1.5715 USDC XLMlow 0.993158 USDC XLM

Aug 4, 2026 03:00Nov 2, 2026 03:00

high 2.5274 USDC XLMlow 0.993158 USDC XLM

Nov 3, 2025 03:00Nov 2, 2026 03:00

24 hours: −0.14%
Week: −3.64%
Weekly high: 1.3346 USDC XLM
Weekly low: 1.2196 USDC XLM
Spread: 9.43%

Market data from CoinGecko as of Nov 2, 2026 20:24; 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	1.2538	1.2459	1.2498	−0.14%
Week	1.3346	1.2196	1.276	−3.64%
Month	1.5197	1.2369	1.3528	−15.87%
Quarter	1.5715	0.993158	1.3261	+16.18%

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

Daily XRP → USDC XLM rate

Day	Close	Against the day before
Nov 2, 2026	1.2491 USDC XLM	−0.11%
Nov 1, 2026	1.2505 USDC XLM	−0.37%
Oct 31, 2026	1.2551 USDC XLM	+1.47%
Oct 30, 2026	1.2369 USDC XLM	−6.67%
Oct 29, 2026	1.3253 USDC XLM	−0.38%
Oct 28, 2026	1.3303 USDC XLM	+1.73%
Oct 27, 2026	1.3077 USDC XLM	+0.99%

Daily RubyCash rate: XRP → USDC XLM

Date	RubyCash rate	Market rate
Nov 2, 2026	1.2476 USDC XLM	1.2505
Nov 1, 2026	1.2534 USDC XLM	1.2503
Oct 31, 2026	1.2575 USDC XLM	1.25
Oct 30, 2026	1.2585 USDC XLM	1.2505
Oct 29, 2026	1.2471 USDC XLM	1.241
Oct 28, 2026	1.3312 USDC XLM	1.3306
Oct 27, 2026	1.3345 USDC XLM	1.3209
Oct 26, 2026	1.2933 USDC XLM	1.2909
Oct 25, 2026	1.307 USDC XLM	1.3006
Oct 24, 2026	1.2995 USDC XLM	1.2905
Oct 22, 2026	1.3126 USDC XLM	1.3106
Oct 21, 2026	1.3748 USDC XLM	1.3904
Oct 20, 2026	1.342 USDC XLM	1.3303
Oct 19, 2026	1.3116 USDC XLM	1.3002

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: −0.16%
Week: −3.58%
Market cap: $79 B
24-hour turnover: $1.26 B
Rank by cap: #5
In circulation: 63.35 B XRP
Record price: $3.65

USD Coin USDC

Price: $0.999582
24 hours: −0.02%
Week: +0.03%
Market cap: $71.01 B
24-hour turnover: $12.75 B
Rank by cap: #6
In circulation: 71.04 B USDC
Record price: $1.04

Source: CoinGecko, Nov 2, 2026 20:24.

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	63.35 B XRP	71.04 B USDC
Market cap	$79 B	$71.01 B
Rank by cap	#5	#6
Network	—	XLM

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

Common questions: XRP → USDC XLM

What rate does XRP to USDC XLM run at?

As of Nov 2, 2026 22:24 it is 1 XRP = 1.2474 USDC XLM. 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 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 minus 15.87%. Low 1.2369, high 1.5197, middle 1.3528 USDC XLM per XRP.

Can I go back, USDC XLM to XRP?

Yes, the reverse direction is open: 1 USDC XLM = 0.808124 XRP. The link sits right under the calculator.