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When A pays in USD but B receives EUR, how exactly does Ripple decide on the EUR/USD exchange rate?

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Since Ripple has an integrated exchange, I guess it simply places market orders in its order book, trying to get the best overall price.

You find the order book in Advanced/Trade, if you want to try manually.

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    During a payment, it's actually a bit more complicated than that because the system will consider multiple payment paths. For example, it may consider EUR->BTC->USD, or it may consider EUR->USD on more than one exchange. It's not unusual to find a better rate on a payment than you saw in the order book. (In fact, you can make a payment to yourself to exchange currencies, and it's usually better!) Commented Apr 26, 2013 at 9:20

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