Why do swaps and deposits take minutes?
Anything that crosses networks is settled by a bridge and solver network and needs the origin network to confirm. Most swaps take under a minute; deposits and withdrawals on slower networks like Bitcoin take longer.
An XRP payment settles in seconds because it stays on the XRP Ledger. A swap or a cross-chain transfer leaves it, so it inherits the speed of every network it touches.
- The origin network must confirm the deposit. On Base or Solana that is quick; on Ethereum it depends on congestion; on Bitcoin it is tens of minutes.
- The settlement itself is fast, typically seconds once the deposit is seen.
- The withdrawal to the destination network again takes that network's time.
Leaving the screen does not cancel anything. If a transfer is pending well beyond the normal time for its route, the issue page My swap is stuck on Pending says when and how to contact us.
Which XRP Ledger features does XRP Mobile support?
Today: XRP send and receive on the XRP Ledger, and swaps and multichain assets through NEAR Intents. Not yet: XRPL issued tokens (IOUs, trust lines), NFTs, MPTs, the on ledger DEX and AMMs and the other amendments. Those are coming, IOUs first.
Will XRP Mobile ever ask for my recovery phrase?
No. Not in the support chat, not by email, not on social media, not through a transaction memo. Anyone who asks for your recovery phrase, secret numbers or private key is trying to steal from you.