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Connect any XRPL wallet (Xaman, Crossmark, Gem Wallet) to XRPL.to, select XRP as the source and USD as the destination, enter an amount, and click swap. The trade settles on the XRP Ledger DEX in 3-5 seconds with sub-cent fees.
Live XRP/USD rates are quoted directly from the XRP Ledger DEX order book and update every few seconds. XRPL.to's swap interface always shows the best available rate across all liquidity sources, including AMM pools and order book offers.
XRPL.to charges no platform fee on swaps. You only pay the XRPL network fee (sub-cent — usually around 0.00001 XRP) and the spread on the order book / AMM pool. There is no KYC, no sign-up, and no custody.
Yes — to receive USD you need a trustline to its issuer. XRPL.to handles this automatically when you initiate the swap. The trustline reserves 0.2 XRP, which is recoverable when removed.
Yes — XRPL.to never holds your XRP or USD. The swap is signed in your wallet and submitted directly to the XRP Ledger. Funds move from your wallet to the order book / AMM and back to your wallet in a single atomic transaction.