How to Buy XRP in the United States (2026 Guide)

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Check real-time quotes from US platforms. Compare fees, payment methods, and speed in one place.

Buying XRP in the United States is easy once you know where to start. This guide explains how to purchase XRP safely using local methods like ACH transfer, wire transfer, debit/credit cards, and PayPal — and how to compare fees, rates, and platforms to get the best XRP/USD price.

How do I purchase XRP in the US?

You can buy XRP in the United States through registered cryptocurrency exchanges, DEXs, or onramps that support US dollars. The process is simple: create an account, verify your identity, and fund it with a local payment method such as ACH transfer, wire transfer, debit/credit cards, and PayPal.

Once your USD deposit clears, you can place a market order to buy instantly at the current XRP/USD rate or a limit order to choose your own price. After purchase, you can store your XRP in a private wallet for security or keep it on a regulated exchange if you trade frequently.

Coinvela helps Americans compare live XRP/USD prices, fees, and payment options across platforms so you can find the best rate and lowest total cost for your investment.

How to Buy XRP in the United States

Compare platforms

Check live XRP/USD prices, fees, spreads, and payment methods across exchanges, DEXs, and onramps. Pick the option with the lowest total cost for your amount and preferred deposit method.

Create and verify your account

Open an account on your chosen platform and complete KYC. Have government ID and a selfie ready. Verification often completes in under 15 minutes on custodial platforms.

Deposit US dollars

Fund your account with ACH transfer, wire transfer, debit/credit card, or PayPal. ACH is free on most platforms but takes 3-5 days. Wire transfers are faster (same-day) but typically cost -25. Cards are instant but usually have higher fees (2-4%).

Place your order

Choose Market to buy now at the current rate, Limit to set your price, or set up Recurring buys (DCA) for automated purchases.

Secure your XRP

For long-term holding, move XRP to a private wallet. Hardware wallets provide stronger protection. Enable 2FA everywhere and store recovery phrases offline.

Different Ways to Buy XRP in the US

Not all XRP purchases work the same way. Most exchanges in the US let you choose between instant market buys, limit orders, or automated recurring purchases. Here's how they differ:

Method	How It Works	Best For	Example
Market (Spot) Order	Buy XRP instantly at the current XRP/USD rate shown on the exchange.	Beginners who want XRP fast and don't mind small price fluctuations.	Buy $100 worth of XRP right now at the live rate.
Limit Order	Set your own price target and the exchange executes your order automatically once the market reaches it.	Active traders looking for a better entry point.	Place an order to buy XRP when it drops to $2.10 USD.
Recurring Buy (DCA)	Set automatic daily, weekly, or monthly purchases. This is called Dollar-Cost Averaging (DCA).	Long-term investors who want to reduce the impact of short-term volatility.	Buy $100 of XRP every week through auto-buy.

Market (Spot) Order

How It Works

Buy XRP instantly at the current XRP/USD rate shown on the exchange.

Best For

Beginners who want XRP fast and don't mind small price fluctuations.

Example

Buy $100 worth of XRP right now at the live rate.

Limit Order

How It Works

Set your own price target and the exchange executes your order automatically once the market reaches it.

Best For

Active traders looking for a better entry point.

Example

Place an order to buy XRP when it drops to $2.10 USD.

Recurring Buy (DCA)

How It Works

Set automatic daily, weekly, or monthly purchases. This is called Dollar-Cost Averaging (DCA).

Best For

Long-term investors who want to reduce the impact of short-term volatility.

Example

Buy $100 of XRP every week through auto-buy.

Which Method Is Best?

Most beginners start with a market order because it's simple and fast. As you gain experience, you might use limit or recurring orders to optimize your price or automate your investing strategy.

You can use these order types on major exchanges like Kraken, Coinbase, and other platforms that support advanced order features.

Best Platforms to Buy XRP in the United States

Live XRP prices from United States exchanges. Compare real-time rates, fees, and payment methods across all major platforms

Amount

$USD

Crypto Platform

Payment Methods

Fees

XRP You’d Receive

No exchange data available

Best Payment Methods for XRP in the US

ACH Bank Transfer is the most popular method; compare options to find the best fit for your needs

Payment Method

Speed

Typical Fee

Limits

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Is XRP Legal in the United States?

Yes, XRP is legal in the United States. XRP is legal in the US. In 2023, a court ruled XRP is not a security in programmatic sales. Ripple continues legal proceedings with SEC. XRP is available on US exchanges.

Most platforms require Know Your Customer (KYC) verification for all transactions. The Bank Secrecy Act requires reporting of transactions over $10,000 USD.

Tax Treatment: XRP is treated as property by the IRS. Capital gains tax applies to profits. All transactions must be reported for tax purposes.

Major licensed exchanges in the United States that support XRP include Coinbase, Kraken, Gemini, and Binance.US.

Best Wallets for XRP in the US

Choose the right wallet for your needs and security level.

Hot wallets (software)

Great for everyday use and quick transfers. You control the private keys and can connect to apps easily.

Popular options include MetaMask, Trust Wallet, and Exodus. Best for small to medium balances. Cost is free or low. Simple to set up. Enable 2FA and keep backups of your recovery phrase.

Hardware wallets

Best for long-term storage and larger balances. Your private keys stay offline, which reduces the risk from hacks and malware.

Well-known devices include Ledger Nano X and Trezor Model T. Typical cost ranges from 9 to 9 USD. Setup takes a few minutes, and you should store the recovery phrase in a safe place.

How to Sell XRP in the US

Complete step-by-step guide to selling XRP safely and getting cash in your account

Transfer to Exchange

Move your XRP from your wallet to a cryptocurrency exchange. Make sure to use the correct network and double-check the deposit address to avoid losing funds.

Wait for Confirmation

Most exchanges require 1-6 network confirmations before your XRP becomes available to trade. This typically takes 10-60 minutes depending on network congestion.

Place a Sell Order

Choose between a market order (instant sale at current price) or limit order (sell at your desired price). Advanced users can use limit orders to minimize slippage and get better rates.

Review Fees & Total

Check the trading fee (usually 0.2%-1.5%) and spread before confirming. The total amount you receive will be slightly less than the displayed price due to these costs.

Withdraw to Bank

Transfer your USD to your linked US bank account. ACH transfers are free and take 1-3 business days for amounts up to $250,000. Wire transfers are faster (same day) but typically cost $25.

XRP ETFs in the United States

The United States approved spot XRP ETFs in late 2025. These funds allow you to gain exposure to XRP through your regular brokerage account without directly holding the cryptocurrency.

Available XRP ETFs

ETF Name

Exchange

Franklin Templeton XRP ETF (XRPZ)

Cboe BZX

Canary XRP ETF (XRPC)

NASDAQ

Bitwise XRP ETF (XRP)

NYSE Arca

21Shares XRP ETF (TOXR)

Cboe BZX

Grayscale XRP Trust (GXRP)

NYSE Arca

CoinShares XRP ETF (XRPR)

NYSE Arca

Where to Buy XRP ETFs in the US

Compare leading United States brokerages offering XRP ETFs. Choose based on fees, account types, and platform features. Consult with a financial advisor to determine if ETFs are suitable for your investment goals.