XRP to Tether (USDT): rate by network
Compare the XRP to USDT rate on different networks and choose where to receive USDT: rate, minimum, network fee and speed.
Rate updated: Oct 27, 2026, 01:19
The best rate right now is on BNB Smart Chain (BEP20): 1 XRP = 1.296 USDT. The calculator uses this network.
In which network to receive USDT
| Network | Rate | Minimum | Network fee | Speed |
|---|---|---|---|---|
| BNB Smart Chain (BEP20) best rate | 1 XRP = 1.296 USDT BEP20 | 133.6282 XRP | ≈ $0.0024 | fast |
| Optimism | 1 XRP = 1.296 USDT Optimism | 133.6282 XRP | ≈ $0.00015 | fast |
| TRON (TRC20) | 1 XRP = 1.2895 USDT TRC20 | 4,150 XRP | ≈ $2.3 | fast |
| Solana | 1 XRP = 1.2895 USDT SOL | 4,150 XRP | ≈ $0.0005 | fast |
| Polygon | 1 XRP = 1.2895 USDT Polygon | 4,150 XRP | ≈ $0.0017 | fast |
| TON | 1 XRP = 1.2882 USDT TON | 4,150 XRP | low | fast |
| Ethereum (ERC20) | 1 XRP = 1.2882 USDT ERC20 | 4,150 XRP | ≈ $0.0064 | moderate |
| Arbitrum One | 1 XRP = 1.2882 USDT Arbitrum | 4,150 XRP | ≈ $0.003 | fast |
Fee and speed levels are relative and depend on network load.
USDT networks: what is the difference
Tether is issued on several blockchains. It is the same USDT, but a transfer arrives only if the address and the network match.
BNB Smart Chain (BEP20)
BEP20 is the token standard on BNB Smart Chain, an Ethereum-compatible network. Addresses look like Ethereum addresses, and fees are paid in BNB and are usually low.
Optimism
Optimism is an Ethereum layer-2 network. Addresses use the Ethereum format and fees are paid in ETH at a fraction of mainnet cost.
TRON (TRC20)
TRC20 is the token standard on the TRON network. Transfers are fast, and the fee is paid in TRX or with staked energy — it is usually lower than on Ethereum, which makes TRC20 the most popular network for USDT.
Solana
Tokens on Solana follow the SPL standard. Transfers confirm in seconds with fees of a fraction of a cent paid in SOL; receiving a new token for the first time requires a small SOL deposit.
Polygon
Polygon PoS is an Ethereum-compatible network with addresses in the same 0x format. Fees are paid in POL and usually cost a fraction of a cent.
TON
Tokens on TON follow the Jetton standard. Transfers are fast and cheap, the fee is paid in the network's native coin, and exchanges often require a comment (memo) with deposits.
Ethereum (ERC20)
ERC20 is the token standard on Ethereum. It is supported by almost every wallet and exchange, but the fee (gas) is paid in ETH and grows when the network is busy.
Arbitrum One
Arbitrum One is an Ethereum layer-2 network. Addresses use the Ethereum format, fees are paid in ETH and are much lower than on the Ethereum mainnet.