Live pair
Exchange DAI on Polygon for Ripple on XRP Ledger at a live or locked rate. One deposit, one payout — no account and no KYC in between.
DAIon Polygon
BTCSwapfixed or floating
XRPon XRP Ledger
XRP Ledger charges this to move your coins. It is not our fee, and it is already inside the amount you are quoted.
No line added at the end, no percentage on top. What the quote says is what settles.
Lock the price now and beat the clock, or follow the market until your deposit confirms.
No account, no document, no limit tied to who you are — at any amount on this pair.
How to
Three steps, and only the second one involves your wallet.
Type what you want to send, then paste the address that should receive the XRP. We check it against XRP Ledger before anything is created — and if you receive into an exchange account, add its memo / destination tag.
We generate an address for this exchange only. Send from your own wallet, whenever you are ready — nothing moves before you do, and there is no account to fund first.
Once Polygon confirms your deposit, the exchange and the payout take seconds. The XRP goes straight to your address — no balance, no withdrawal step.
What you actually get
The payout network fee is a fixed amount, so the smaller the swap, the more of it that fee eats — which is why this table exists instead of one headline rate.
| You send | You get | Effective rate | Cost of size |
|---|---|---|---|
| 0.5 DAI | 0.328624 XRP | 0.657248 | −6.28% |
| 2 DAI | 1.3823 XRP | 0.6911275 | −1.45% |
| 5 DAI | 3.4895 XRP | 0.6979032 | −0.48% |
| 20 DAI | 14.0258 XRP | 0.70129115 | best rate on this pair |
Quoted by the desk at , refreshed every few minutes. The percentage compares each line's effective rate with the best one in this table — it is the price of swapping small, not a fee we charge.
The two sides
Dai is a dollar-pegged stablecoin issued by the Maker protocol and backed by on-chain collateral rather than by a company holding reserves. It is an ERC20 token, so sending it costs Ethereum gas. More about Dai.
On this pair it moves over Polygon — an address there starts with 0x — 42 characters.
DAI also exists on other networks — different addresses, not interchangeable: Arbitrum, BEP20, ERC20, Optimism.
XRP is the native asset of the XRP Ledger, built for fast settlement — a transaction confirms in a few seconds. Deposits to exchanges and custodial wallets usually require a destination tag in addition to the address. More about XRP.
On this pair it moves over XRP Ledger — an address there starts with r — plus a destination tag if your wallet gave you one. This network uses a memo / destination tag for deposits to shared wallets.
XRP also exists on other networks — different addresses, not interchangeable: BEP20.
FAQ
Using it
0.0704092 DAI right now. The desk sets it live and it moves with the XRP Ledger network fee — below it, that fee would eat the swap. There is no fixed maximum on this pair.
A XRP Ledger address you control — it starts with r — plus a destination tag if your wallet gave you one. We check it against the network before creating anything. Receiving into an exchange account? Add the memo / destination tag it gave you.
Around 10-60 minutes end to end, as forecast by the desk right now. Most of that is Polygon confirming your deposit — the exchange and the payout themselves take seconds.
Money & privacy
Yes — pick Fixed in the module. The rate is locked when the exchange is created, and a countdown starts for your deposit.
Two things come out: the XRP Ledger network fee for sending your payout — 0.01 XRP right now — shown on its own line, and our margin, which is already inside the rate. Nothing is added after you confirm.
No. There is no account to create and we never ask for identity documents, at any amount. The one case where a swap can be held is spelled out in the AML policy rather than hidden.
On-chain, yes: Polygon and XRP Ledger are public ledgers, so the deposit and the payout are visible to anyone, like any other transaction on them. What nobody can link them to is an identity: there is no account, no document and no request log here — the privacy policy names the only parties in the path.
Every order takes an optional refund address, and it is worth filling in. If the exchange cannot go through — a deposit under the minimum, a pair that stops being quoted, or the one documented case of a flagged deposit where the law allows a return — the deposit goes back to that address, minus what the network charges to send it; we charge nothing for a refund. Without a refund address, a return has to be arranged by hand through support. The order page tells you which situation you are in; nothing is decided silently.
Guides
1 DAI ≈ 0.70129115 XRP · no account, no identity check.
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