What tokens can senders pay with for my XRP payment link?

Senders can pay from any of over 4,000 supported tokens across 100+ chains, including Ethereum, Bitcoin, Solana, BNB Chain, Tron, TON, Sui, and Stellar. HoudiniPay automatically converts the sender's chosen asset and routes the exact XRP amount to your wallet.

Can I use HoudiniPay XRP links for invoicing or business payments?

Yes. HoudiniPay links are ideal for freelance invoicing, merchant payments, subscription collection, and donation flows where you want to bill in XRP but accept settlement from any asset. Each link is a fixed-amount, fixed-token request that removes ambiguity from the payment process.

Is HoudiniPay non-custodial?

Yes. HoudiniPay never holds, pools, or controls user funds. XRP flows from the sender's chosen asset through the routing layer and arrives directly in your wallet. There are no platform-held balances, no withdrawal delays, and no freeze risk.

Does the sender see my wallet address?

No. The sender never sees your wallet address. They only see the HoudiniPay link and the requested XRP amount. Your receiving address is hidden behind the privacy routing layer, so the sender cannot look up your wallet balance, NFT holdings, DeFi positions, or transaction history.

Receive XRP Privately | Create XRP Payment Link

How to send XRP privately?

Experience the most private XRP (XRP) payment tool in the Web3 ecosystem. Whether you are billing a client, want to accept XRP as USDC, or collecting freelance payments. We generate a shareable payment link that keeps your wallet completely hidden from the sender.

Choose the token you want to receive

Select XRP as the asset you want to receive. You can also choose a different token. The payment link will automatically convert any incoming payment into XRP (XRP) before it arrives in your wallet.

Enter the amount you want to receive

Set the exact amount of XRP you want to receive. Your link will only accept that precise XRP amount. No under-payments, no surprises, and no ambiguity for the person paying you.

Paste your recieving address

Add the XRP wallet address where you want to receive the payment. This is the only time your address appears. The sender never sees it. The Houdini payment link keeps it completely hidden.

Create and share your private payment link

Copy your unique Houdini payment link and send it to whoever needs to pay you. They open it, send from any supported token or chain, and you receive XRP privately in your wallet. No wallet connection required on either side.

Why receive XRP privately?

The XRP Ledger exposes account balances directly, in real time, to anyone who knows the address. Getting paid in XRP through a raw account means handing every client a live window into your holdings, your income, and every counterparty you have ever dealt with. A Houdini Pay link lets you invoice and collect in XRP without ever revealing the account behind it.

Get Paid in XRP Without Exposing Your Account History

The moment a client pays your raw XRP address, they can query your current balance, your entire payment history, and every account you have transacted with. On the XRP Ledger this takes seconds and needs no special tools, because balances sit at the account level rather than behind a contract. A Houdini Pay link keeps that account private, so the payment reaches you without the payer ever learning where it landed.

Protect Your Rates and Negotiating Position

Clients who can see your balance have leverage over you. If a client checks your XRP address before agreeing terms and finds a healthy balance, or watches previous invoices land and infers what your other clients pay, they will negotiate harder. A Houdini Pay link keeps your balance, your rates, and your other income invisible to the person on the other side of the deal.

Accept XRP Payment Links From Any Token or Chain

Your clients do not need to hold XRP to pay your Houdini Pay link. They can settle in ETH, BTC, USDC, SOL, or any of 4,000+ supported tokens across 100+ chains, and Houdini Pay converts and routes the payment so you receive XRP. One link covers every payer, whatever they hold and whichever chain they hold it on.

Why is HoudiniSwap the best way to create private XRP payment links?

Create private XRP payment links without a accounts, without KYC.

$2.5B+

transaction volume

1.1M+

swaps completed

100+

chains supported

Privacy that regulators can live with.

Every XRP transaction on Houdini is routed through our proprietary privacy layer, breaking the on-chain link between your sending and receiving wallet. No one, not blockchain analysts, not third parties, not us, can connect your XRP deposit to your destination address. transaction XRP with the financial privacy you're entitled to.

Six icons with texts: AML / ATF compliant, OFAC sanctions screening, No KYC required, Data auto-deleted in 72h, Non-custodial never pooled, and 24/7 live support team.

Swap settings panel showing a private swap between Ethereum and Bitcoin with no wallet connect, no KYC required, auto-deletes data in 72 hours, and no custody of funds.

Untraceable for your  peace of mind

We never holds, stores, or controls your XRP at any point during the transaction. Your XRP goes directly from your wallet to the destination. We simply facilitate the exchange. No exchange wallets, no withdrawal delays, no risk of your XRP being frozen or seized. Not your keys, not your coins and we intend to keep it that way.

Any token on any chain.

As one of crypto's largest cross-chain aggregators, we scan 8 million possible routes across 100+ chains. Combining leading DEXs like Uniswap, Jupiter, and PancakeSwap with curated CEX partners to guarantee the lowest-cost path for every transaction.

Icons and abbreviations of popular cryptocurrencies including ETH, SOL, BAT, SUSHI, BTC, BNB, LINK, XRP, ETC, and a label for 100+ more.

What can you do with private XRP payment links?

Share an XRP Payment Link Without Revealing Your Address

Create a Houdini Pay payment link for XRP and share it with any client, customer, or collaborator. They open the link and pay from whatever token or chain they hold, and you receive the exact XRP amount you asked for without your account address ever being exposed to the payer.

Invoice in XRP and Accept Payment in Any Asset

Use an XRP payment link to invoice clients without KYC, wallet connections, or address exposure. Payers can settle in ETH, BTC, USDC, or over 4,000 other assets, and Houdini Pay converts the incoming payment and routes it to you in XRP, settling in minutes.

Collect XRP at Any Scale With Full Payment Privacy

From one-off freelance invoices to recurring XRP income, a Houdini Pay payment link lets you collect at any scale without linking your account to the people funding it. Your XRP balance, your client list, and your payment history stay yours alone.

About XRP

XRP is the native asset of the XRP Ledger, a decentralised public blockchain designed for fast, low-cost payments and settlement. Transactions confirm in seconds for a fraction of a cent, which has made XRP a practical choice for invoicing, cross-border payment, and everyday settlement. XRP is also used to pay ledger transaction costs and to meet the account reserve requirement that keeps the ledger free of spam.

Frequently Asked Questions (FAQ) about XRP

Is receiving XRP through a Houdini payment link truly private?

Yes. Payment links are built on the same privacy architecture as Houdini Swap. Your wallet address is never shared with the sender, and the on-chain link between sender and receiver is severed at the protocol level. Our platform is non-custodial, compliant with global AML/KYT requirements, and never pools user funds. What the sender sends and what you receive are never directly connected on-chain.

Does my Houdini payment link link expire?

No. Payment links never expire and can be used indefinitely. However, each link is set to a fixed token (in this case XRP) and amount at the time of creation and cannot be edited after generation. If you need to change the token, amount, or receiving address, simply create a new link — it only takes a few seconds.

Who pays the XRP transaction fees?

The sender covers all XRP transaction and network fees. As the receiver, you receive the full XRP (XRP) amount you requested — no fees are deducted from your side. There are no additional charges for creating a Houdini payment link link.

Why trust Houdini Swap?

With over $2.5B in total volume processed, Houdini Swap is the market leader in compliant privacy. Our disciplined architecture and professional systems ensure that not a single dollar of user funds has ever been lost. We provide XRP traders with 24/7 high-response human support to ensure that your private XRP sends are executed flawlessly every time.

Does the sender need to connect their wallet?

No. The sender does not need to connect a wallet or create an account. They simply open the link, choose the token and chain they want to pay from, and send. Houdini handles the conversion and routes assets to your address automatically.

Receive XRP Privately