A Simple Guide To Buying Ripple (XRP) In The USA In 2026

In this post, you will learn how to buy Ripple in the US today. We will introduce you to the best places to buy XRP and walk you through the step-by-step process of investing in Ripple via one of the top altcoin exchanges. 

We’ll also discuss XRP’s past performance as well as its price forecast. Finally, what XRP is and if it is a good investment. 

Read on to learn all these and everything else you need to know about buying Ripple in the US today.

How to Buy Ripple in the US – An Easy 4-Step Guide

This quick-fire guide teaches you how to buy XRP on eToro, an SEC-regulated crypto brokerage in the US. The process is quick and straightforward, and you can buy XRP and some of the most undervalued crypto assets with as little as $10.

Step 1: Register a free eToro account:

Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk.

Open the official eToro website, eToro.US, and click the “Join Now” button. The account creation process is quick and straightforward, taking no more than a few minutes.

Step 2: Deposit funds:

Once the account is approved, you will need to fund this account with at least $10. And eToro supports all the popular payment processing methods, including PayPal, ACH Checks, bank deposits, credit cards, and debit cards.

Step 3: Search for Ripple:

Proceed to find XRP from the list of 20+ digital assets supported by the crypto trading platform. On the search icon on the website, type ‘Ripple’ or ‘XRP’ and click on the “Trade” icon that appears.

Step 4: Buy XRP:

Customize this investment using the trading tab that pops up here. Indicate how much you wish to invest in XRP and hit the “Open Trade” button.

Later on in this guide, we will provide a more detailed walkthrough of the Ripple buying process on eToro. First, though, we need to introduce you to some of the best crypto exchanges in the US, where you can buy Ripple and some of the most searched cryptos.

Where to Buy Ripple (XRP)

Ripple has had a dotted history with US crypto exchanges and regulators. At the height of its legal battle with the SEC, virtually all the best crypto exchanges delisted the altcoin. Today, they have all relisted what is now one of the most undervalued cryptos out there.

Here is a brief overview of the best places to buy Ripple in the US today.

eToro – Overall Best Place to Buy XRP in the US Right Now

Three things help eToro stand out among the best Ripple exchanges in the US today. First, eToro is a beginner-friendly crypto trading platform. 

It maintains a quick and straightforward account opening process and has oversimplified the process of buying cryptos like XRP. The exchange also maintains a low deposit and trading minimum of just $10.

eToro also stands out because it is a safe exchange. Unlike some of its peers, eToro has never been hacked or accused of misappropriating client funds. It even provides users with two free digital wallets. First is the custodial wallet that holds 90%+ of their coins offline. 

The second is a free mobile wallet app for iPhone and Android. But even more importantly, it has put in place adequate security measures around the trader account and wallet. These include strong password and two-factor authentication.

Lastly, eToro integrates copy and social trading tools. Copy trading allows beginners to Automatically replicate the trades of experienced investors in real-time by simply copying the trade settings of popular investors. Social trading, on the other hand, allows for seamless interactions between the eToro platform users. 

It is also worth noting that eToro is a multi-platform brokerage. It allows you to interact with 20+ of the supported cryptos on either the web trader or mobile trading app. 

Pros

 eToro trading platforms have a user-friendly interface

You only need $10 to start trading ($200 for copy traders)

Transparent fee structure (fixed 1% crypto trading fees)

eToro is liquid and processes trades fast

Cons

You need to join eToro Club to access phone and live chat customer service

Fees are comparatively high

Coinbase – The Best Crypto Exchange for Beginners in the US Today

A simple and intuitive interface and rich educational programs are some of the things that make Coinbase one of the best crypto exchange for beginners in the US. Others include the Coinbase Earn program, which lets platform users earn free crypto when they learn about cryptocurrencies and blockchain. 

Not forgetting it’s the beginner-friendly crypto-buying process. Here, you can buy XRP instantly with PayPal or cards. And the minimum trade amount is only $2.

But Coinbase doesn’t just appeal to beginners. It also has a dedicated platform – Coinbase PRO/Advanced Trade– that caters to expert traders. Here, traders have access to more crypto trading pairs and even get to trade at more competitive fees. It also presents them with 100+ advanced trading, technical analysis, and risk management tools.

Coinbase also stands out among top crypto exchanges because of its accessibility and regulation. Unlike some top exchanges, Coinbase is available in all US states. In all these locations, it gives residents access to 100+ of the best future cryptos to buy and hold right now, such as XRP. In addition to being regulated in most of these states, it is regulated federally by the SEC.

Pros

Presents users with free custodial and non-custodial digital wallets

A solid reputation for reliability

Process deposits and crypto purchases fast

Cons

Has been accused of operating a sluggish customer support service

Has a complicated trading fee structure

Binance.US – The Best Place to Buy Ripple at Competitive Trading Fees

Binance.US has positioned itself as one of the best places to buy Ripple in the US at competitive prices. Today, you will be charged between 0% and 0.57% as trading fees when you buy XRP on Biunance.US. 

And if you settle this fee using BNB Coins, you qualify for a 5% discount. It also maintains some of the lowest crypto withdrawal fees in the industry and doesn’t charge crypto deposit fees.

Binance.US also endears active traders with a feature-rich trading platform. Here, you will have access to 100+ advanced tools, including custom charts and technical indicators. 

You are also free to integrate your trading bot into the platform, and it even supports copy trading. Other important resources integrated into the platform include market news, an OTC platform, and risk-management tools.

In addition, Binance.US is a safe crypto exchange with no history of hacks. On the contrary, it has played a critical role in helping hacked individuals and crypto platforms recover stolen funds. Like most exchanges, it presents its platform users with free digital wallets. 

The custodial wallet holds 90%+ of clients’ assets online, and the non-custodial mobile wallet app for iOS and Android is reliably safe. And unlike other exchanges, it operates an in-house insurance program – SAFU – with $1 Billion in emergency funds.

Binance.US makes also makes state and federal tax reporting easier. It has introduced a built-in tax portal that you can use to generate transaction histories, which you may then integrate with such tax software as TaxBit or Cointracker.

Pros

Earn up to 24% in annual interest via staking 

User-friendly mobile and web trading platforms

Open large trades pseudonymously on Binance.US OTC

Custody wallet holds most of your keys offline

Cons

No derivative trading

Doesn’t accept USD deposits

Kraken – The Safest Crypto Exchange in the US Today

Started in 2011, Kraken is the oldest and most reputable crypto exchange on this list. Over the years, it has morphed into one of the best places for beginners and expert traders to buy Ripple and top altcoins in the US. 

Newbies like its ease of use and the fact that they can buy cryptos instantly with cards on the exchange. Pro traders, on the other hand, like that it integrates 100+ advanced trading tools and exposes them to the feature-rich Kraken PRO.

We, however, feature it here primarily because of its commitment to the security of client funds. It, for example, is no secret that Kraken was the first major crypto exchange to publicly share its audited proof-of-reserve report. 

It has also come up with highly efficient security safeguards around its systems and user funds.

These include holding 95%+ of your assets in offline and geographically distributed vaults. It has also achieved several security certifications from reputable brands, confirming that its platform meets international security standards. 

It also enforces customer-side security measures such as 2FA, strong passwords, confirmation emails, and whitelisted addresses.

In addition to the impressive security, Kraken also exposes US traders to a decent crypto library. Other than Ripple, you can buy and sell 190+ of the most sustainable cryptos. 

It also makes it possible for you to diversify your portfolio by listing not just the top trending cryptos but also the best meme coins and even the popular Web3 cryptos to buy now. It even integrates an NFT marketplace where you can buy NFTs gas-free.

Pros

Trade 100K+ at tighter spreads pseudonymously on Kraken OTC

Live chat and over-the-phone support are available 24/7

Start trading with only $2

Deeply liquid exchange

Cons

Comparatively high fees when you buy XRP and other coins instantly

No derivative trading or staking  

What is XRP?

XRP is a digital asset and the native token of the Ripple Ledger (XRPL) network. The two were created by Ripple Labs and are aimed at driving innovation and revolution in the global online payment scene. 

While Ripple Ledger was expected to replace SWIFT – the global finance transfers facilitator, XRP was intended to facilitate the transfer of money between two different global currencies.

Like most of the top altcoins, XRP’s use extended beyond facilitating payments on the Ripple ledger. Soon, it was adopted as a financial instrument by speculative investors, who are always looking to profit from its volatile price action. 

Today, it is the fifth most valuable digital asset, with a valuation of $75 Billion, according to data from CoinMarketCap.

Ripple (XRP) Price

Today July 17, 2026 XRP is trading around $ 1.08

For a detailed outlook on the future price of XRP you can check out our regularly updated XRP price prediction.

Is XRP a Good Investment?

XRP is a speculative investment with both significant upside potential and notable risks. Its appeal comes from its role in cross-border payments, growing institutional interest, and improving regulatory clarity. While XRP can experience sharp price swings, investors with a long-term outlook may find it an attractive addition to a diversified crypto portfolio.

The Bull Case (Why Investors Like It)

Real-world utility: XRP was designed to facilitate fast, low-cost international payments and settlements.

Institutional interest: Banks, payment providers, and financial institutions continue to explore Ripple’s technology and related solutions.

Regulatory progress: Greater regulatory clarity can improve investor confidence and support broader adoption.

Strong community: XRP has one of the largest and most active communities in the cryptocurrency market.

Long-term growth potential: If adoption continues to expand, XRP could benefit from increased demand and market participation.

The Bear Case (Risks & Concerns)

High volatility: XRP can experience large price swings, making it unsuitable for risk-averse investors.

Adoption uncertainty: Future growth depends on continued use and acceptance of Ripple’s ecosystem and related technologies.

Competitive landscape: XRP faces competition from stablecoins, central bank digital currencies, and other blockchain networks.

Market sentiment: Like most cryptocurrencies, XRP is heavily influenced by broader crypto market trends and investor psychology.

Speculative asset: XRP remains a higher-risk investment and should generally represent only a portion of a diversified portfolio.

XRP has resilience

XRP has one of the most dedicated and active communities in the crypto space. It continues to enjoy the strong backing from developers, financial institutions, and investors who believe in its long-term potential. 

Solid fundamentals 

The demand for XRP could continue surging as more institutions, including banks, fintechs, and payment processors continue to explore blockchain-based settlement solutions. 

It has real-world use cases:

Unlike many speculative crypto projects, XRP has a defined purpose in the financial ecosystem. And it is growing this use case beyond facilitating cross-border payments at a fraction of the cost of traditional methods. It is expanding into CBDCs and other on-demand liquidity solutions, and this strengthens investor appeal in the top altcoin.

How to Buy Ripple (XRP) in the US on eToro in 2026

In this section, we take you through the process of buying cryptos on eToro in detail. We provide you with a step-by-step guide to creating a user account and buying your first altcoin on the multi-asset brokerage. 

Step 1: Register a free crypto trader account

Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk.

Open the official eToro.US website or download the eToro mobile trading app. Click on the “Join Now” button on either platform and complete the registration form that pops up here. 

It will ask for such basic information as your name, email address, phone number, and trading experience. You also need to come up with a unique username and password for this account.

Step 2: Verify your identity 

You need to verify your identity before you can start depositing funds or buying cryptos on eToro. Simply submit a clear picture of a government-issued issued document such as a state ID, driver’s license, or passport.

Step 3: Deposit funds

After the trader account is approved, log in and hit the “Deposit Funds” icon on your user dashboard. A funding tab will pop up indicating all the payment methods available to you. Choose one payment option and follow the prompts to fund this account with at least $10.

Step 4: Identify the best crypto to buy on eToro 

Once the cash is reflected in your trading account, click on the “Discover” icon to bring up the list of assets supported on eToro. Choose crypto and a list of some of the best cryptos to buy in the US will pop up. Choose XRP from this list and click on the “BUY” option.

Step 5: Buy crypto

A trading tab will appear. Use it to customize this trade by indicating how much you wish to invest in this digital asset. Hit the “Open Trade” button to execute this transaction.

Note: The private keys associated with the crypto you just bought will be deposited into the eToro-provided web wallet. To move them to a non-custodial wallet, you first need to move them to the eToro Money Wallet app. Further, note that you cannot return the cryptos back to your eToro account as the brokerage doesn’t process crypto deposits.

How to Sell Ripple (XRP) on eToro in 2026

The process of selling cryptos on eToro is also quite straightforward. We break it down below:

Step 1: Start by logging back into your eToro crypto trading account.

Step 2: On the user dashboard, hit the “Portfolio” icon on your user dashboard. This will bring up a window that lists all the coins you have bought on the eToro crypto exchange.

Step 3: Identify the crypto you want to sell from this list and hit the “SELL” option against this asset.

Step 4: A trading tab will pop up. Use it to customize this trade by deciding whether you wish to dispose of a fraction of this digital asset or liquidate the entire position. Then, hit the “Close Trade” button to offload these assets. 

Note: eToro will immediately sell these coins and deposit their cash equivalent into your account. You may use the funds to buy more of the cryptos supported on eToro. You may also choose to withdraw the cash. 

Conclusion – How to Buy Ripple (XRP) in the US in 2026

There goes everything you need to know about how to buy XRP in the USA today. In the above guide, we have learned where to buy XRP in the US. We have also taken at a closer look at what XRP is and analyzed its price history. 

But even more importantly, we have looked at the top reasons to invest in XRP right now and looked its expected future price action.

Want to start buying XRP right away while it is still undervalued? Consider following the step-by-step guide to investing in Ripple via eToro that we have outlined hereinabove.

FAQs

Where can you buy XRP in the US today?

Virtually all the best crypto exchanges operating in the US list XRP. But if you are looking for a crypto-friendly exchange with a user-friendly interface, consider using eToro It makes it possible for anyone to buy XRP and other coins with as little as $10.

Is it too late to buy Ripple today?

No, At $1.08, XRP may still offer long-term upside if its adoption trend continues. The best opportunities often emerge when sentiment is mixed, not when optimism is at its peak. For investors with a long-term outlook, it is not necessarily too late to buy XRP today.

Can I buy XRP with a credit card or debit card?

Yes, you can buy Ripple instantly with credit cards and debit cards on crypto exchanges. In fact, virtually all the popular crypto trading platforms support card deposits. Note, however, that in addition to the trading fees charged by an exchange, your card provider will charge a transaction processing fee.

Will XRP eventually reach $50?

XRP may very well reach $50 over the longer term. However, it is highly unlikely that it will get here in the next few years and the biggest impediment to this target price will be its massive circulating supply. 

At the time of writing, there are 100 billion XRP coins in circulation. Getting to $50 would, therefore, mean pushing XRP’s market cap above $5 Trillion, more than the current market cap of the entire crypto industry.

Can I buy XRP on Robinhood?

Yes, you can buy XRP on Robinhood in the US today. The online crypto brokerage does not charge any trading fees when you buy cryptos like XRP, is safe, and processes transactions fast.

How much do I need to start buying XRP tokens today?

There is no maximum amount you can invest in XRP. The minimum will be determined by the trading/deposit minimum of your preferred crypto exchange.

Some platforms like eToro allow you to start with as little as $10.