How the swap works
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Type the XRP amount and paste your Polygon payout address on Polygon mainnet.
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Press Exchange to open the live quote and the deposit address for this order.
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Broadcast XRP to that deposit. After the required confirmations, MATIC is sent to your wallet.
Check these before you send
- XRP Ledger confirmations are typically very fast β often seconds.
- If your receiving account requires a destination tag, enter it exactly on the order form.
- Leave enough XRP reserve if your wallet requires a minimum balance to activate the account.
- If MATIC has not appeared yet, wait a few minutes and refresh the wallet. When the order already shows a payout tx, contact support with your order ID.
XRP β fast ledger settlements
XRP moves quickly on the XRP Ledger β designed for rapid settlement with minimal transaction fees.
Destination tags on XRP
Exchanges and custodial wallets often require a destination tag β missing tags delay or complicate crediting.
Self-custody addresses may not need a tag; check what your wallet provider expects.
Polygon β low-cost EVM layer-2
MATIC (POL) powers Polygon β fast EVM transfers, low fees, and wide DeFi and bridge liquidity.
MATIC not received?
Confirm your wallet is on Polygon PoS mainnet and fully synced.
MATIC payout tips
- Use a Polygon-compatible wallet and verify the receive address starts with 0x.
- Check Polygonscan with the payout tx hash if your balance has not updated.
- Do not expect MATIC on Ethereum β this route pays out on Polygon PoS.
Read before you send
Wrong-network deposits and address mistakes are the usual failure modes β start with these notes.
Coin swap hubs
More no-KYC swap pairs and guides for each asset.
Frequently asked questions
Does XRP to MATIC require KYC or an account?
No. PeakSwap does not ask for a profile, ID documents, or a hosted balance for Ripple to Polygon.
How long until MATIC arrives?
Many orders finish in a few minutes. XRP Ledger deposit confirmations and Polygon mainnet payout time set the wait.
Do you hold XRP or MATIC for me?
No. You send XRP from a wallet you control and MATIC is paid to the address you provide β PeakSwap does not keep a user wallet.
What if I send XRP on the wrong chain?
Use XRP Ledger exactly as shown on the order. A wrong-network send may not be credited β read the swap safety notes first.