Where to Buy XRP: Top 9 Platforms to Buy Ripple XRP

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XRP is a digital asset built on the XRP Ledger, a decentralized network designed for fast, low-cost cross-border transactions. Unlike traditional blockchain-based cryptocurrencies, XRP operates through a consensus mechanism powered by a global network of validator nodes—many of which are operated by financial institutions. Developed by Ripple, XRP aims to streamline international payments and enhance liquidity for banks and fintech companies worldwide.

With growing institutional adoption and integration into global payment systems, XRP remains a compelling option for investors seeking exposure to high-efficiency digital assets. This guide explores the best platforms to buy XRP in 2025, offering step-by-step instructions, fee comparisons, and key features to help you make informed decisions.

Top Platforms to Buy XRP in 2025

Choosing the right exchange or wallet to purchase XRP depends on several factors: security, fees, payment methods, availability in your region, and whether you prefer centralized or decentralized options. Below is a curated list of the top platforms trusted by millions for buying, trading, and storing XRP.

1) Uphold

Uphold stands out as one of the most versatile platforms for purchasing XRP, supporting over 210 digital and traditional assets including crypto, fiat currencies, precious metals, and stocks. It allows seamless conversion between asset types—ideal for users who want to convert gold or USD directly into XRP without intermediate steps.

The platform offers a custodial wallet with 90% of customer funds stored in cold storage for enhanced security. Uphold also provides a debit card that lets you spend XRP directly at merchants or ATMs.

How to Buy XRP on Uphold:

  1. Sign Up & Verify: Create an account and complete identity verification (required for fiat deposits).
  2. Deposit Funds: Use bank transfer, credit/debit card, Apple Pay, Google Pay, or crypto. Card payments incur a 2.49%–3.99% fee; bank transfers are free but may take up to 7 days.
  3. Purchase XRP: Navigate to the "Exchange" tab, select your source (e.g., USD), choose XRP as the destination, enter the amount, and confirm.

👉 Start your XRP investment journey with a trusted global platform today.

2) Kraken

Kraken is a U.S.-based exchange renowned for its robust security, regulatory compliance, and advanced trading tools. It supports spot trading, margin trading (up to 5x leverage), and futures contracts for XRP/USD pairs.

Ideal for both beginners and professionals, Kraken offers OTC desks for large-volume trades and integrates with third-party trading software via API access.

How to Buy XRP on Kraken:

  1. Register & Verify: Sign up and complete KYC verification for fiat access.
  2. Deposit Funds: Add USD via bank transfer (SEPA, Fedwire), credit card (3.75% + €0.25 fee), or deposit crypto instantly.
  3. Buy XRP: Go to the trading dashboard, select XRP/USD, place a market or limit order, and execute.

3) Binance

As the world’s largest cryptocurrency exchange by trading volume, Binance offers deep liquidity for XRP pairs like XRP/USD and XRP/BUSD. The platform supports multiple purchase methods including credit cards, bank transfers, P2P trading, and Binance Pay.

Binance also enables algorithmic trading via APIs and offers lending, staking, and futures markets for active traders.

How to Buy XRP on Binance:

  1. Create Account: Register and verify identity.
  2. Add Payment Method: Link a card or bank account under “Fiat and Spot.”
  3. Buy Instantly: Search “Buy XRP,” choose payment method, enter amount, and confirm.

4) Huobi

Huobi is a global exchange offering competitive fees and a wide range of services including spot trading, futures, staking, margin trading, and OTC solutions. It supports multiple fiat currencies and caters well to new users through promotional campaigns.

How to Buy XRP on Huobi:

  1. Register & Verify: Submit ID documents.
  2. Deposit Fiat: Use credit card, SEPA, SWIFT, or third-party processors like AdvCash.
  3. Trade on Spot Market: Select XRP/USDT pair, place market or limit order.

5) Atomic Wallet

Atomic Wallet is a non-custodial solution that gives users full control over their private keys. You can store over 500 cryptocurrencies securely using a 12-word recovery phrase.

It features an integrated exchange powered by third-party providers like Simplex, allowing direct fiat-to-XRP purchases.

How to Buy XRP on Atomic Wallet:

  1. Download & Set Up Wallet: Install app (iOS/Android/Desktop), create wallet, back up recovery phrase.
  2. Buy with Card: Tap “Buy,” select XRP, enter amount, proceed to Simplex checkout.
  3. Complete Verification: Provide ID if prompted.

👉 Secure your digital assets with a reliable non-custodial wallet experience.

6) Freewallet

Freewallet is another mobile-first non-custodial wallet supporting XRP and nearly two dozen other cryptos. It allows direct purchases via credit/debit cards through MoonPay or Simplex.

While user-friendly, customer support has received mixed reviews.

How to Buy XRP on Freewallet:

  1. Install App or Use Web Version
  2. Click “Buy with Card”, search for XRP
  3. Enter Details & Confirm Purchase

7) Bitfinex

Bitfinex is a Hong Kong-based exchange tailored for experienced traders. It offers advanced features like margin trading (up to 10x), derivatives, staking, and API integration.

Ideal for high-net-worth individuals and institutions due to its sophisticated toolset.

How to Buy XRP on Bitfinex:

  1. Verify Identity
  2. Deposit Fiat via Partner Processors (e.g., Mercuryo)
  3. Place Order on Spot Market

8) eToro

eToro combines traditional finance with crypto trading. Users can buy real XRP or trade CFDs (Contracts for Difference). Its social trading feature allows beginners to copy strategies from top-performing investors.

Regulated in multiple jurisdictions and offers investor protection up to €1 million in select regions.

How to Buy XRP on eToro:

  1. Sign Up & Verify Identity
  2. Deposit Funds (Min $200 initial deposit)
  3. Search “XRP,” Click “Trade,” Set Leverage (optional), Confirm

9) PancakeSwap

PancakeSwap is a decentralized exchange (DEX) running on BNB Chain. It enables peer-to-peer swapping of tokens—including wrapped XRP—using liquidity pools.

No KYC required; fully permissionless.

How to Buy XRP on PancakeSwap:

  1. Connect Wallet (e.g., MetaMask)
  2. Deposit BNB or Another Supported Token
  3. Swap for wXRP (Wrapped XRP)

Frequently Asked Questions (FAQs)

Where can I legally buy XRP in the U.S.?
You can buy XRP on Uphold, Kraken, Binance.US, Bitstamp, eToro, and other compliant exchanges. Major platforms like Coinbase delisted XRP due to SEC litigation but may relist following regulatory clarity.

Is it safe to buy XRP?
Yes—XRP itself uses strong cryptography and operates on a secure ledger. Always use reputable exchanges or wallets and enable two-factor authentication (2FA).

What is the minimum amount I can buy?
Most platforms allow purchases starting at $10 (e.g., Uphold, Kraken). Some wallets require higher minimums (Freewallet: $100).

Can I buy XRP with PayPal?
Indirectly—some platforms accept PayPal-funded cards or bank accounts. Direct PayPal integration is limited due to policy restrictions.

Why isn't XRP on Coinbase?
In December 2020, Coinbase suspended XRP trading amid an SEC lawsuit alleging unregistered securities sale. The case has evolved significantly since then, with ongoing discussions about potential relisting.

Should I store XRP in a hot or cold wallet?
For long-term holdings, use a hardware (cold) wallet like Ledger or Trezor. For active trading, reputable hot wallets like Atomic Wallet offer convenience with acceptable risk levels.

Final Thoughts

XRP continues to play a vital role in the future of global payments thanks to its speed, scalability, and institutional backing. Whether you're a beginner using eToro’s intuitive interface or a pro trader leveraging Kraken’s advanced tools, there’s a suitable platform for every type of investor.

When selecting where to buy XRP, prioritize security, low fees, available payment methods, and regulatory compliance—especially if you're based in the U.S.

👉 Explore seamless crypto access with powerful tools designed for modern investors.

By choosing the right platform and staying informed about market developments and regulatory changes, you can confidently navigate the evolving landscape of digital assets in 2025 and beyond.

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