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.
Buying Ripple (XRP) is possible on various platforms, but not all offer the same level of security, fees, or ease of use. There are two main types of platforms: crypto exchanges and traditional brokers.
Specialized crypto exchanges like Bitget, MEXC, and BloFin offer the best overall experience for buying XRP. These platforms allow you to purchase and trade real cryptocurrencies with low fees, a wide range of trading pairs, and full control over your assets. They’re ideal if you want to store your XRP securely and use it freely (for trading, staking, etc.).
Some online brokers also offer XRP, but usually via CFDs (Contracts for Difference) rather than actual tokens. This means you’re speculating on the price of XRP, not holding the asset itself. While this can work for short-term trading, brokers often have higher fees, limited crypto access, and no withdrawal options to a wallet.
Our recommendation: For buying and holding XRP securely, go with a dedicated exchange like Bitget, MEXC, or BloFin. These platforms offer lower fees, more flexibility, and direct access to the real XRP market.
Here’s a comparison of the best crypto exchanges to buy XRP, based on trading fees, deposit methods, and security features:
| Platform | Trading Fees | Credit Card Deposit Fees | Bank Transfer Fees | Security |
|---|---|---|---|---|
| Bitget | 0.1% | 2–4% depending on provider | 0% |  Advanced security protocols |
| BloFin | 0.1% | 2–3% | N/A | Innovative platform with advanced tools |
| MEXC | 0.2% | 3–4% | 0% | Strong security & wide crypto selection |
Tip: For the lowest fees, Bitget and MEXC are your best bet, especially with free bank transfers and low trading fees between 0.1%–0.2%.
There are several platforms where you can buy cryptocurrencies, but Bitget stands out as one of the most beginner-friendly options for getting started with Ripple (XRP). Known for its security and wide range of features, Bitget allows you to buy XRP easily and safely.
Bitget is one of the leading global cryptocurrency exchanges, offering a secure and intuitive platform for both beginners and experienced traders. With access to over 500 cryptocurrencies, including XRP, and advanced features like copy trading, futures, and staking, Bitget has quickly gained popularity among users looking for flexibility and low fees.
Whether you’re just starting out or diversifying your portfolio, Bitget makes it easy to buy XRP through multiple payment methods and a seamless user experience.
To purchase XRP on Bitget, simply follow the steps below:
To get started, visit the official Bitget website and click “Sign Up” at the top right.
If you’re new to crypto, we recommend checking out our full beginner’s guide to setting up your Bitget account.
Before making your first XRP purchase, Bitget requires KYC verification to keep your account and funds secure. Upload a valid ID (passport, national ID, etc.) and follow the steps to unlock all features.
Follow these steps to purchase Ripple (XRP) on Bitget:
Buy XRP directly with a credit or debit card on Bitget. Supported currencies include USD, EUR, GBP, and more. Your XRP is instantly credited—no spot trading needed.
Once the transaction is complete, your XRP will be instantly credited to your Bitget wallet.
Ripple Labs, founded in 2012, is a fintech company that launched XRP to revolutionize cross-border payments, offering a faster and cheaper alternative to traditional banking systems. Led by CEO Brad Garlinghouse, Ripple plays a central role in driving adoption and expanding its payment infrastructure.
Unlike Bitcoin (which uses Proof of Work) or Ethereum (Proof of Stake), Ripple runs on its own protocol – the XRP Ledger Consensus Protocol. This allows transactions to be validated in just seconds, with very low fees and no mining required.
Ripple’s core services include:
Today, Ripple counts over 300 institutional partners globally. Its growing adoption proves its potential to reshape global finance, offering a faster, more accessible, and more cost-effective payment infrastructure.
XRP, Ripple’s native cryptocurrency, was designed to make international transactions faster, cheaper, and more secure. Today, it ranks as one of the top 5 cryptocurrencies by market cap, with a valuation exceeding $133 billion.
Over the past year, XRP surged by over 269%, jumping from around $0.39 to a high of $3.39 on January 18, 2025. The token experienced major price volatility in both 2024 and early 2025, driven by two major catalysts: Donald Trump’s victory in the U.S. elections and the conclusion of Ripple’s long-standing legal battle with the SEC.
Ripple’s partial victory against the SEC significantly boosted investor confidence. As a result, major asset managers like Grayscale, 21Shares, Bitwise, WisdomTree, and Canary Capital have since filed proposals with the SEC to launch XRP-backed ETFs.
In February 2025, the SEC officially acknowledged these filings, sparking growing optimism in the market. Analysts believe the approval of XRP ETFs could unlock a wave of institutional investment.
The long-term outlook for XRP remains bullish, especially as Ripple expands its partnerships and regulatory clarity improves.
Ripple’s growing role in cross-border payments may position XRP as one of the most used digital assets worldwide.
Note: These predictions are speculative. XRP, like all cryptocurrencies, is subject to high volatility and regulatory shifts.
In addition to classic crypto exchanges, there are several payment methods available to buy Ripple (XRP), depending on your investor profile, preferred level of privacy, and convenience. Whether you’re looking for speed, low fees, or anonymity, there’s an option for you.
BloFin is one of the few crypto exchanges that allow users to buy XRP without any identity verification (KYC). Unlike most centralized platforms that require KYC to use fiat currencies, BloFin offers a fast and anonymous way to buy XRP using crypto deposits.
Buying XRP with a credit or debit card is one of the fastest and easiest options. Platforms like Bitget, MEXC, and BloFin allow users to purchase USDT instantly with a Visa or Mastercard. Once you’ve received USDT, simply trade it for XRP on the spot market.
This method is perfect for beginners or anyone looking to buy quickly, though it’s important to check fees beforehand — they usually range from 2% to 4% depending on the provider.
SEPA or SWIFT bank transfers are ideal for users who want to avoid card fees and prefer to move larger amounts. On Bitget and MEXC, you can deposit EUR or USD with zero fees, then convert those funds into USDT to purchase XRP.
Transfers generally take 1 to 3 business days, so this method is better suited for patient investors seeking lower transaction costs.
PayPal is not widely accepted for direct XRP purchases. However, platforms like Uphold and Paxful let users buy cryptos with PayPal. In most cases, you’ll need to buy Bitcoin or USDT first, and then swap those assets for XRP on an exchange that supports the trading pair.
Securing your XRP is essential to protect your funds from cyberattacks, exchange hacks, and accidental losses. Unlike centralized exchanges—which expose your crypto to external risks—a secure crypto wallet gives you full control over your assets. There are two main storage options for Ripple (XRP): hot wallets and cold wallets.
Hot wallets are internet-connected wallets, usually available as mobile apps or browser extensions. They allow fast access to your XRP and make sending, receiving, or using your funds quick and easy.
Pros: Easy to access, ideal for daily use and quick transactions.
Cons: More vulnerable to hacking or phishing attacks due to constant internet connection.
Cold wallets (also known as hardware wallets) are physical devices that store your XRP offline. They only connect to the internet when you manually sign a transaction, drastically reducing exposure to online threats.
Pros: Highest level of protection, perfect for long-term holding. Cons: Less convenient for frequent trades, and the hardware device comes at a cost (typically $70–$150).
That’s the question on every investor’s mind: Is buying XRP a smart move right now? While we don’t have a crystal ball to predict the future, there are a few key insights that can help shape your opinion.
After a long bear market, XRP surged to $3.39 in early 2025, marking a historic performance that turned heads across the crypto space.Despite this upward momentum, the crypto market remains highly volatile. Price fluctuations are often influenced by regulatory decisions, institutional adoption, and news surrounding crypto ETFs.
Instead of buying during price spikes, it’s wiser to watch for key support levels and market corrections. Avoid the FOMO and look for more strategic entry points during pullbacks.
To make an informed decision, it’s important to weigh both the benefits and potential drawbacks of XRP. The project continues to gain traction in the global payments industry, but it also faces regulatory and competitive challenges. Here’s a quick overview of the advantages and risks of investing in XRP:
The year 2024 was pivotal for Ripple. A favorable court ruling, growing interest from banks, and strong market momentum have shaped XRP’s recent trajectory.
Looking ahead to 2025, the outlook seems more stable. With growing institutional support, the potential approval of XRP-based ETFs, and clearer regulations, XRP is gaining traction as a leading asset in the payment-focused crypto sector.
That said, investing in XRP still comes with challenges. Like any crypto asset, it’s exposed to market swings and regulatory developments. But for those who believe in its long-term use case, XRP remains a serious contender worth watching.
Thomas holds a BTS in computer science with a specialization in SEO and is certified in web writing and e-commerce. Passionate about blockchain technology and cryptocurrencies since 2018, he specializes in analyzing crypto market cycles. His journey into GPU mining began in 2019 with ETH before transitioning to KASPA and Alephium (ALPH).
The best platforms to buy XRP in 2025 are Bitget, MEXC, and BloFin. They offer low trading fees, various payment methods (like credit cards and bank transfers), and support for both spot and futures trading.
Yes, you can buy XRP without KYC on platforms like BloFin. You’ll need to deposit crypto (like USDT) instead of using fiat, but it’s fast and anonymous.
You can buy XRP using several payment methods depending on the exchange:
credit or debit card, bank transfer (SEPA/SWIFT), PayPal (on some platforms), and crypto deposits like USDT and USDC. Bitget, for example, lets you buy USDT with fiat and then swap it for XRP on the spot market.
Absolutely. Exchanges like Bitget and MEXC let you buy USDT with a credit or debit card, which you can then use to trade XRP on the spot market.
XRP is considered a promising long-term project thanks to its real-world use in international payments and increasing institutional interest. However, it remains subject to market volatility and regulatory developments.
You can store XRP in a hot wallet (like Xumm or Trust Wallet) for flexibility, or in a cold wallet (like Ledger) for maximum security if you’re holding long term.
Most exchanges allow you to buy XRP starting from as little as $10 to $20, depending on the platform and payment method used.
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This article is for informational purposes only and should not be considered as investment advice. Trading cryptocurrencies involves risks, and it is important not to invest more than you can afford to lose.
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