Monero to Ripple Exchange Rates
Monero uses RandomX proof-of-work with probabilistic finality; its 120-second average block interval implies about 20 minutes for 10 confirmations. XRP Ledger uses consensus requiring at least 80% agreement within each server's trusted validator list, with approximately 3.5-second ledger closes and one required validated-ledger confirmation.
You Send
XMR
↔
You Receive (Estimated)
84.1923
XRP
1 XMR = 84.1923 XRP • Flat 0.5% fee • Direct wallet payout
Swap on LuxSwap
Verified Exchange Desks
| Exchange | Rate Quote | Fee | KYC Requirement | Settlement Time | Action |
|---|---|---|---|---|---|
| LuxSwap Best Rate | 84.1923 XRP | 0.5% flat | None | 20-30 min | Swap Now |
| ChangeNOW | 82.9294 XRP | 1.5% | Automated flag risk | 15 - 30 min | Benchmark |
| SimpleSwap | 83.1820 XRP | 1.2% | None | 15 - 25 min | Benchmark |
| SideShift | 83.3504 XRP | 1.0% | None | 10 - 20 min | Benchmark |
| Centralized Exchange (CEX) | Spot price | 0.1% + withdrawal fee | Mandatory ID | 1 - 4 hours | Custodial |
ChangeNOW
Benchmark
Rate: 82.9294 XRP
Fee: 1.5%
Network Parameters
Deposit Network
Monero Native
Consensus Protocol
Proof of Work (RandomX)
Block Time
120s
Confirmations Required
10 blocks
Average Settlement
20-30 min
Destination Memo
Required for CEX
Ledger Model
Ring Signatures / Stealth Addresses
Payout Network
XRP Ledger
Other Monero (XMR) Routes
Other Routes to Ripple (XRP)
Frequently Asked Questions
How long does XMR to XRP take?
Using the supplied average intervals, the nominal confirmation calculation is (10 × 120 seconds) + (1 × 3.5 seconds) = 1,203.5 seconds, or 20 minutes 3.5 seconds. The supplied settlement windows sum to approximately 22-35 minutes: 20-30 minutes for XMR and 2-5 minutes for XRP. These are estimates, not guaranteed completion times; block production, routing and payout processing affect elapsed time.
What network fees apply to this swap?
The depositor pays an XMR miner fee that varies with transaction weight, fee priority and network conditions. The XRP payout broadcaster pays an XRP fee that is burned rather than distributed to validators; the base cost for a standard single-signed payment is 10 drops (0.00001 XRP), while load-based escalation can increase the required fee. Whether the payout fee is deducted from the quoted XRP amount depends on the route. Exchange service fees and spreads are separate from these network costs.