XRP, the flagship cryptocurrency of Ripple, continues to make headlines this year —especially after Ripple’s historic victory against the SEC. With its growing importance in cross-border payments and rising investor interest, buying XRP remains a strategic move. In this guide, we’ll show you how to invest in Ripple and everything you need to know before getting started.
To buy XRP, it’s essential to choose a reliable and secure platform. Here’s a selection of the best options available in 2025, suitable for both beginners and more experienced users.
Let’s now introduce the 5 best exchanges so you can choose the one that best suits your needs.
Bitget is a globally recognized cryptocurrency exchange platform, known for its security and intuitive user interface. The platform offers competitive trading fees and supports numerous payment methods. Bitget stands out for its advanced trading features while remaining accessible to beginners. The platform also offers responsive customer service and robust security measures, including two-factor authentication and cold storage of funds.
Pionex positions itself as a unique platform thanks to its 16 integrated automated trading bots. This approach allows users to optimize their buying and selling strategies without constant manual intervention. Pionex offers particularly attractive fees, among the lowest in the market. The platform is especially suitable for investors who want to automate their XRP transactions according to predefined parameters.
Zoomex is a global exchange platform with more than 3 million users in over 35 countries. It offers more than 600 trading pairs and stands out for its fast order execution. Zoomex offers spot trading and futures contract options, allowing users to diversify their investment strategies. The platform supports numerous deposit methods and offers an attractive referral program.
Bybit is one of the most popular exchange platforms worldwide, particularly appreciated for its advanced trading features. The platform offers a “One-Click Buy” function that simplifies XRP purchasing for beginners. Bybit stands out for its high liquidity and tight spreads, ensuring competitive prices. The platform also offers sophisticated technical analysis tools and 24/7 customer support.
MEXC is an international platform that offers one of the widest selections of cryptocurrencies on the market. It is characterized by flexible KYC requirements and generous withdrawal limits even without complete verification. MEXC offers highly competitive trading fees and supports numerous payment methods, including direct purchases by credit card. The platform is particularly appreciated for its rapid listing of new tokens.
Creating an account on an exchange platform typically requires going through a KYC (identity verification) process, which has become mandatory on all regulated platforms. Here’s how to create an account and complete this procedure on Bitget:
The KYC process can sometimes be a source of frustration if your documents are rejected. To avoid issues, make sure to use valid and unexpired documents. Take good quality photos that are clear and well-lit, without reflections.
The information provided during your registration must exactly match that on your ID. Also avoid any modification of the images and follow the exchanges’ instructions precisely.
Once your account is created and verified, you’re ready to make your first XRP purchase.
Cryptocurrency exchanges offer a variety of payment methods for buying XRP. Each method has its own advantages and disadvantages in terms of speed, fees, and convenience.
Buying XRP with a credit or debit card is one of the fastest and simplest methods. Most platforms accept Visa and Mastercard. Transactions are typically instantaneous, allowing you to get your XRP within minutes. However, this convenience comes at a cost, as card transaction fees are often higher than those of other payment methods, typically between 2% and 5%.
Bank transfer is another popular option for buying XRP. This method is often more economical in terms of fees, typically between 0% and 1%, but it is also slower. A transfer can take one to three business days to be processed. It’s a good option if you plan to invest a larger amount and aren’t in a hurry.
Some platforms allow you to buy XRP with PayPal. It’s a convenient and secure method, as it doesn’t require sharing your credit card information directly with the exchange platform. Transactions are generally fast, but fees can vary between 2% and 4%.
More and more platforms are integrating Apple Pay as a payment method. If you’re an Apple device user, it’s a very convenient and secure option for buying XRP. Transactions are fast and protected by Apple’s security features.
Buying cryptocurrencies without identity verification (KYC) is increasingly rare on centralized platforms due to strict regulations. However, there are still a few options for those who wish to buy XRP in a more anonymous manner. Decentralized exchanges (DEXs) and certain CEXs like Zoomex allow buying XRP without KYC, but this often comes with limitations.
Here’s how to buy XRP on Bitget in 4 simple steps:
The fees associated with buying XRP vary considerably depending on the exchange platform and the payment method you choose. It is crucial to take these fees into account, as they can impact the total cost of your investment.
| Payment Method | Typical Fees | Transaction Speed |
|---|---|---|
| Credit/Debit Card | 2% – 5% | Instant |
| Bank Transfer (SEPA) | 0% – 1% | 1 to 3 business days |
| PayPal | 2% – 4% | Instant |
| Apple Pay / Google Pay | 2% – 4% | Instant |
Once you’ve bought XRP, it’s essential to store them securely. Leaving your cryptocurrencies on the exchange platform where you bought them is not always the best solution, as you don’t have full control over your assets.
There are two main types of wallets for storing your cryptocurrencies. Custodial wallets are managed by a third party (exchanges, platforms) that holds your private keys. This is the simplest solution for beginners, but you don’t actually own your cryptocurrencies.
Non-custodial wallets give you total control over your funds because you hold your private keys. However, this implies greater responsibility: if you lose your private keys, you lose access to your cryptocurrencies forever.
Non-custodial wallets are divided into two categories. Hot wallets like MetaMask or Phantom are software wallets connected to the Internet, convenient for quick access but more vulnerable to hacking.
Cold wallets are hardware wallets like Ledger or Trezor that store your private keys offline, offering maximum security but less convenience for frequent transactions.
At InvestX, we recommend a mixed security approach for managing your cryptocurrencies. Use a cold wallet for long-term storage of the majority of your XRP and other cryptos. Keep a small amount on a hot wallet for your more regular trading needs.
Always secure your recovery information on a physical medium and enable two-factor authentication on all your platforms.
Cryptocurrency investment can evolve rapidly. Always do your own research before investing and don’t rely solely on advice from influencers.
The initial enthusiasm can sometimes lead to costly mistakes. The first mistake is giving in to FOMO by buying XRP simply because its price is skyrocketing and breaking records, without doing your own research. Conversely, many beginners make the mistake of panic selling during price drops, thus losing the opportunity to recover their investments in the long run.
Another major mistake is neglecting security by leaving your XRP on an exchange platform long term instead of using a personal wallet. In the past, exchanges like Mt. Gox and FTX have gone bankrupt, and most investors never recovered their funds.
Once you’ve invested in XRP, it’s important to track the evolution of your portfolio. Most exchanges offer an interface to track the value of your portfolio in real-time, and even create alerts.
For more advanced analysis, TradingView offers advanced charts and professional technical analysis tools. CoinGecko and CoinMarketCap are excellent resources for tracking XRP prices, checking news, and comparing performance with other cryptocurrencies.
Beyond mere speculation, interest in XRP is based on solid fundamentals and concrete use cases that could potentially transform certain sectors of finance.
The main use case for XRP is to serve as a bridge currency for international money transfers between major companies. Thanks to its technology, an XRP transaction can be settled in 3 to 5 seconds with minimal fees. Many financial institutions have already been experimenting with Ripple’s technology for years, testifying to its potential to streamline cross-border payments.
Whether XRP is an investment or a speculation depends on your time horizon and risk tolerance. Those who consider XRP as a long-term investment are betting on its massive adoption by financial institutions. On the other hand, the market remains highly volatile and largely influenced by market sentiment, which is considered speculation.
Determining the right time to buy XRP depends on many factors that should be carefully analyzed. The regulatory clarity obtained by Ripple following its legal victory against the SEC has lifted a major uncertainty that had been weighing on the token since 2020. This favorable resolution has paved the way for wider institutional adoption and restored investor confidence.
The macroeconomic context also plays a crucial role in the timing of purchases. Cryptocurrency market cycles are often influenced by monetary policies, inflation, and investors’ risk appetite. During periods of economic uncertainty and rising interest rates, digital assets historically undergo significant corrections.
A dollar cost averaging (DCA) investment strategy, which involves buying a fixed amount of XRP at regular intervals (weekly or monthly for example), can be a prudent approach to smooth your average purchase price. This method helps reduce the impact of volatility and avoids trying to “time” the market perfectly, which is a particularly difficult exercise in the cryptocurrency universe.
Gaston has been a writer for over 7 years and a passionate cryptocurrency enthusiast since 2020. He loves exploring the crypto ecosystem and is now dedicated to sharing his insights and discoveries through InvestX.
The minimum amount depends on the platform, usually between €10 and €25. Some platforms like Kraken allow you to buy as little as $10 worth of XRP.
Yes, through decentralized platforms or instant exchange services, but these options come with higher security risks and transaction limits.
Yes, buying XRP is completely legal in most countries, including within the European Union.
It’s nearly impossible to buy XRP entirely without fees. SEPA bank transfers are generally the cheapest option.
Like any cryptocurrency investment, buying XRP carries significant risks due to price volatility.
Avoid buying out of FOMO, neglecting security, panic selling, and investing more than you can afford to lose.
Buying from reputable and regulated exchanges is generally safe. Choose established platforms with strong security measures.
Yes, most platforms offer mobile apps that let you buy XRP directly from your smartphone.
Absolutely, all platforms allow you to buy fractions of XRP, making the investment accessible even with a small budget.
You can store them on the exchange platform, in a software wallet, or in a hardware wallet for maximum security.
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