Things to Know Before You Buy XRP

Do you think it’s possible to buy XRP on the US market in 2023? Yes, you can.

What is the best place to buy XRP by 2023 in the USA? On Uphold or KuCoin.

How can I buy XRP 2023 in the USA? Sign up on Uphold and verify your ID. Then, you can fund your USD account to buy XRP.

Now that’s out of the question, let’s look at more specifics on how to purchase XRP within the US.

XRP is the top cryptocurrency for most people when it comes to cryptocurrencies. Due to the ongoing legal dispute with the SEC it is now much more difficult for Americans to buy XRP. Almost all public Exchanges have suspended the Ripple Token on their platform. Several of these exchanges still permit US residents to purchase XRP. We list those below.

Ripple Labs, an American tech company, is the one responsible for developing Ripple’s currency exchange system and global payments settlement system.

The SEC sued Ripple at the end 2020. This led many exchanges to suspend XRP listing and made it harder to trade or buy XRP within the US. You can currently do this on Uphold Bitstamp and Kucoin.
Kucoin does not have a license in the US, but it still lets US citizens use its platform. This includes New Yorkers. You would have to use Kucoin’s P2P market to purchase XRP from New York, since they do not allow Americans to deposit fiat.

Ripple’s website states that financial institutions such as American Express (AXP), Bank of America, Citigroup, HSBC, JPMorgan Chase & Co, Royal Bank of Canada, UBS Group AG, Western Union, Wells Fargo & Co, and UBS Group AG have adopted the technology. Most banks prefer to use XRP as a form of cross-border payment rather than fiat currencies.

Ripple’s network of partners is unmatched by its rivals in the cryptocurrency market.

You can purchase XRP using cash, as well as other crypto-currencies like Bitcoin, Ethereum or Tether. Both options will be covered in this article. Let’s first look at the USD method of buying XRP. If you intend to hold a cryptocurrency for an extended period of time, it is important that your decision be well thought out. Remember that investing in cryptocurrency isn’t a simple game.

xrp currency

How to purchase XRP currency in the US

Find below a quick list of the top 3 exchanges where you can buy Ripple (XRP) in the USA . Following that, we will go over each of these in detail and provide you with a comprehensive list of all places where you can buy XRP.


Discounts on all services
The US law regulates it
It has a user-friendly interface



Discounts on all services
Secure (only one hack in 2015).



A wide range of cryptocurrencies are available
Discounts on all services
Additional Features


How to Purchase XRP in the USA by 2023: Best way to purchase with Fiat

Uphold – best place to buy XRP in USA

Uphold is one of the rare brokers that made no changes to the XRP status on their platform and completely ignored the legal conundrum of Ripple in the US. The XRP could be bought and was listed on Uphold the whole time.

Uphold Offers an easy-to-use interface. The main focus (and the main differences compared to its competitors) is on trading directly between asset classes with fixed payments, offering a future where all users have access to financial services, thanks to Uphold unique “Anything-to-Anything” trading experience where you can trade not only cryptocurrencies but also metals, commodities, stocks – all from a single dashboard.

This broker is among the few major US brokers who has never stopped allowing XRP to be purchased.

No Deposit Fees
No withdrawal fees:
Trade fees: Based upon spreads
Service Fees: 1 % – 3 %
Payment Methods: Debit/Credit Cards, Bank Transfer (SEPA), SWIFT, ACH Transfer, Wire Transfer, Crypto Conversion, etc.
Fiat supported: USD (USD), GBP (GBP), EUR (15+) and more

It has a user-friendly interface
The latest features
Unique “Anything-to-anything” trading service
Discounts on all services
The US law regulates it

The customer service could be improved.
Different trading restrictions
The educational content is less well organized than its competitors

Visit Uphold Now app is often praised for its simple yet effective trading options, supporting both the needs of beginners and the more experienced traders. is popular in crypto journey circles as a go-to place for gem hunters as the exchange is known to list new coins very fast. XRP is among the most traded coins on with its USDT pairing. supports credit card payments and bank transfers, but they also have their own P2P marketplace where you can buy XRP directly from other users, similar to Localbitcoins or Paxful .

This app offers a number of features, including:

  • Store, lend, and trade cryptocurrencies
  • Limit buy/sell order
  • Conditional Orders (Take-profit and Stop-Loss)
  • Spot exchange, margin trades, and permanent contacts
  • is a cryptocurrency that supports Mainnet Swap, Claim, or Forked Coins for most cryptocurrencies

Live chat and the ticketing system are available for support. They also maintain low trade and withdrawal charges, and support multi-language interfaces.

  • Appstore User Review 4.0 out of 5
  • Google Play User Review 4.11 / 5.
  • The slow withdrawal process is the most frequent complaint of users.

Visit Now



Kucoin offers an impressive number of ambitious cryptocurrencies that you can buy, sell, trade and store with low trading fees . Kucoin supports spot trading, futures, P2P trading, margin trading, copy trading, savings, leverage, perpetual, NFTs , and many more. In addition, it has over 1200+ cryptocurrencies available for trade and 2300+ trading pairs.

Free Deposit Fees
Withdrawal Fees: From 0 to 16$ on average
Trading Fees: 0.01 – 0.1%
Google pay Apple Pay Credit and debit card
Fiat supported:

180+ countries supported
More than 10 Million users around the world
App available on iOS and Android
A wide range of cryptocurrencys are available
Discounts on all services
Additional Features

Only 4 Payment Methods
Hackers in 2020

Visit KuCoin Now

Buy XRP with Crypto in the US.

Swapzone is a crypto-to-crypto swap platform that aggregates exchange rates from a dozen of different exchanges and offers it in an easy-to-overview dashboard.

You can easily convert BTC, ETH and other cryptocurrencies to XRP in a few minutes. allows you to buy BTC, ETH, or any other crypto on an exchange that is allowed in the USA (such as Coinbase, Kraken Uphold, Gemini, or Gemini), and exchange them for XRP.

Swapzone, a platform that is not custodial means you do not run the risk of your keys being lost. The platform aggregates cryptocurrency-to-crypto trading offers through APIs of over 15 exchange services. Swapzone receives the offers directly from its partners and sorts them by speed, rate and rating. Users can then make exchanges with their chosen providers, without ever leaving our site.

Visit Swapzone


Coinbase: The easy way

Currently suspended XRP trades and purchases, try Uphold instead.

Coinbase Long, the largest cryptocurrency exchange/bank in the world, refused to include XRP as part of its trading platform. This changed late in February 2019 when it allowed investors to buy XRP via the mobile apps. Residents of New York are not able to use the service.


Before you can purchase any cryptocurrency from the platform, you will need to create an account. You will need to enter your first and last names, email, and password. You’ll then be asked to agree with the Terms of Service and privacy policy. Click on ” create account“. Your email will receive a verification email. Click the link in that email to verify your account.

Verify Your Coinbase Account

You will need to provide identification to prove your identity. The AML documents such as your state ID or driver’s license will do. Your date of birth and address will also be required.

Fund Your CoinBASE Account

You can fund your account either by using a debit card or a bank transfer. In general, it takes about 4-5 business days for your money to be credited. The second option is immediate, while the third should take 1-3 working days. You can link designated payment methods to your Coinbase account either by navigating to on the web or by selecting Settings > Linked Accounts on mobile.

Most banks allow you to link an account instantly and safely by simply providing your username and password for online banking. According to your bank’s security policies, you may also be asked for additional security questions and a PIN. Go to ” Accounts“, select Link a New account and click Bank Account. You will then be shown a screen with the logos of your bank. Enter the name of your bank. Input your login credentials for the bank. After you have completed this step, your account will instantly be linked.

You can also manually add your account to the app if it is not listed. You can scroll down and see “Don’t See Your Banks? Instead, search for the bank you want. Choose ‘Link manually your bank’. A new prompt appears. Select Get Started. The routing number of your bank, your account number and name will be required. You’ll also need to specify whether the account is linked with a checking or savings account. Select Verify Account after entering your bank details, including full name. The name of the bank account linked to your Coinbase must match that on your verified account.

will then make two test deposits into your account. After the deposit has reached your account ( usually within 2-3 days), click on the ‘verify’ link for your linked account to verify the amount. You can buy XRP once you have deposited your funds. Your linked bank account can be used to receive the proceeds of Sell orders and withdrawals made from your USD Wallet.

Visa and MasterCard are accepted as debit cards on Coinbase. Before adding a new card, you will probably need to verify your photo ID. Go to ‘Link a New Account Dialog’ and enter your card details as required. Your card will receive two small temporary debits. You can find these amounts on your online statement by viewing the card. Enter only the cent portion to verify. Select your card from the Payment Methods menu in the Buy Page to make the purchase.

Coinbase will only accept payments via wire transfer if you:

  • Your Coinbase account matches your legal name as it appears on the wire
  • This wire was sent by a US bank account
  • The wire deposit includes your unique Coinbase account number or reference code

Only wire deposits of at least $5,000 are available. To obtain a USD wallet, you must verify your account. You must follow the steps below to deposit via bank wire:

  • Click on the Accounts Tab
  • Select Your USD Wallet
  • Click the deposit button
  • Select the wire transfer tab in the deposit USD menu

You can use the displayed information to initiate a Wire Transfer in USD. Avoid sending an *ACH* that is sent overnight or the next day. Only actual bank wires (“BTC to purchase your preferred cryptocurrency.

BUY XRP on Coinbase

Coinbase offers the XRP/BTC market, as well as XRP/USD and XRP/EUR. How do you buy XRP? Select the “Buy” tab and then enter your desired amount. Enjoy your new cryptocurrency by clicking on the Buy XRP Button.

Coinbase charges a 3.99% transaction fee for each payment made with a credit or debit card. Cross-border credit/debit cards transactions are usually instant.

Kraken: the Cheap Way


Uphold is a good alternative to the XRP trading and purchasing that has been suspended.


Go to and create an account. After entering your details and clicking Sign Up, kraken will send you an email for verification. Click the link provided in the email to activate your Kraken account. You can also copy and paste the activation code on the account activation Kraken page.

Verify Your KRAKEN Account

On the Kraken site, click Account > Verify to verify your account. Kraken needs Tier2 verification of customers to make the bank deposits necessary for XRP purchases. It is necessary to provide customer identification details such as name, address, and phone number. Note: In certain jurisdictions, Level 3 is required for bank deposits. Tier 2 Verification requires a government issued photo ID as well as proof of residency documentation.

Fund Your Account

You can deposit money into your Kraken Account after you have verified your account. Go to Account > funding > deposit and select the deposit type. You can choose from US domestic Fedwire transfers as well as high-limit international wire transfer, SEPA bank transfers and Canada domestic Fedwire transfers. The Kraken deposit process is explained in this support article.

Buy XRP on Kraken

You can place an order by clicking on Account > Trade > Create New Order. Choose the pair of currencies that corresponds to the deposit currency. You can buy and sell currencies based on the digital currency pair that you choose. If you choose XRP/USD as an example, then clicking on Buy will buy XRP while selling USD. Trading Basics, available at the Kraken Support Center, provides more details about Kraken trading.

Select the Simple Interface in the New Order Tab and enter a Buy Order for XRP. You can enter the quantity of XRP you wish to purchase. Choose to purchase at the market price or place a limit order. You can buy XRP using your USD by:

  • Click on the drop down menu to select XRP/USD.
  • Select the Simple Interface in the New Order Tab and enter a Buy Order for XRP.
  • Select the quantity of XRP that you wish to purchase and then submit your order.

Coinmama is the fastest way to get your money.


Try Instead.

Coinmama Is unique in that the platform only allows you to buy crypto for fiat currency. You will need to have your own wallet because the exchange does not store your coins on its servers. Instead, it sends your USD to the wallet you specify.

Coinmama has perfected its verification process and is often ranked as the fastest way to purchase bitcoin. The verification times can vary. However, for the lower tiers, you may only need a few moments to finish the first step, provided that your documents (a driver’s licence, a selfie with a good quality, and some personal details) are ready.

Coinmama isn’t cheap, but it works fast.

Buy XRP at Coinmama

The best exchanges to trade XRP on in the US


Bitstamp has recently acquired the infamous BitLicense , giving it the right to operate on the territory of the state of New York. Other USA states are also able to register on the crypto platform and purchase crypto. To purchase XRP, you will first need to open and verify your Bitstamp account . When the account verification is successfully completed, you will be able to deposit funds and purchase XRP.


Verify Your BitStamp Account

To submit a verification request visit: Upload your documents and enter the necessary information. You will see the same documents as on other KYC/AML platforms. To proceed, click SUBMIT THE REQUEST. will review the verification request in a few days. They’ll email you with the results after the review is complete. If you require further assistance with account verification, please open a support ticket here: You will then be able to deposit money and buy XRP.

Fund Your Account

To fund your account visit: Choose your preferred method of deposit from the menu on the left. You can choose to deposit money via SEPA or International Wire Transfer. To proceed, fill out all the necessary information. Press DEPOSIT. The Bitstamp banking information will appear on the following page.

Sending funds from your personal account will save you future hassles. The payment system will process your deposit within 1-5 days. You will be notified via email when the funds have been credited to Bitstamp. You can check your account balance here:


You will first need to choose the appropriate market pair (XRP/USD/EUR/BTC) depending on what currency you intend to use in order to buy XRP. Then you’ll need to visit the “Buy/Sell” section: and choose the “BUY XRP”. In the window “I Want to Spend”, enter the desired amount. To confirm, click Buy XRP. Your XRP balance will increase after you buy XRP.

Check out this guide to Ripple purchasing for more information. Transferring the XRP coins into a wallet that you own is crucial. This is the list of the best XRP wallets. You can also see in the table that Hardware wallets will be the most secure option if you plan to keep your coins long-term.


Can I Buy Ripple on Coinbase❓

No, not right now since Coinbase suspended the XRP trading pairs in late 2020.

Where can I buy Ripple XRP in the USA❓

Currently, the best options are Uphold,, and Kucoin.

How do I trade XRP in the USA❓

You can trade XRP on the exchanges we mentioned above: Uphold, & Kucoin.

How do I buy XRP in NY❓

Currently, you can buy Ripple in NY only on Kucoin.

 How to Buy Ripple with Bitcoin❓

To buy XRP with Bitcoin, you first need to create an account on an exchange with an XRP BTC pairing. Then set up another account on a different exchange that you’ll use to buy the Bitcoin (in case the exchange you’re using to buy Bitcoin doesn’t support XRP).

Once you are set and have ready accounts on both exchanges, you can purchase Bitcoin for USD and then send it to the exchange with the XRP BTC pairing.

The downside of buying Ripple with BTC is that you pay trading fees for the BTC to XRP exchange. Plus, there may be fees for the Bitcoin withdrawal. This way of buying XRP in the USA is only an option if you cannot find an exchange with a direct XRP USD pairing.

How to Buy Ripple with USD❓

Register on Uphold,, or Kucoin and deposit USD. Then find an XRP/USD trading pair and make a trade.

How To Invest In Ripple❓

Register on Uphold,, or Kucoin and deposit USD. Then find an XRP/USD trading pair and make a trade. If you plan to hold for the long-term, then withdraw that XRP to a hardware wallet like Nano X or CoolWallet Pro.

How to Sell XRP❓

Just find an XRP trading pair with a coin or currency you want to buy and click on the sell button. You can choose between a market order (sell immediately for the best price) or a limit order (set your own price and sell once XRP reaches that price level).

Is XRP Safe to Invest in❓

XRP is one of the large-cap crypto coins that is considered a safe investment. However, it is still fighting a legal battle with the SEC, and until that is cleared, XRP is a risky investment.

What to Do After I Buy XRP❓

You can leave it on the exchange you bought it on and speculate on its price rise. Or you can send it to your hardware wallet for a long-term holding position. You can also day-trade with it by selling it high and buying it low (you can use scalper bots for this).

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