How to Buy XRP on Crypto.com App (Step by Step)

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Cryptocurrencies have revolutionized the way we think about money, and XRP—the digital asset developed by Ripple Labs—stands out for its speed, scalability, and utility in cross-border payments. Whether you're a beginner or a seasoned investor, knowing how to securely purchase XRP is essential. This comprehensive guide walks you through the process of buying XRP on the Crypto.com app, while also comparing it with other major platforms like Coinbase and KuCoin.

We’ll cover everything from account setup to final purchase, clarify the difference between Ripple and XRP, and help you make informed decisions—so you can invest with confidence in 2025.

What Is XRP?

XRP is a digital currency designed for fast, low-cost international money transfers. Unlike Bitcoin, which can take minutes (or longer) to confirm transactions, XRP settles transfers in just 3 to 5 seconds, making it ideal for financial institutions and individuals alike. It operates on the XRP Ledger, an open-source blockchain that supports decentralized finance (DeFi) applications and tokenized assets.

While often used interchangeably, Ripple and XRP are not the same:

Understanding this distinction helps avoid confusion when purchasing on exchanges.

Why Buy XRP on Crypto.com?

Crypto.com has become one of the most trusted cryptocurrency platforms in the U.S., offering:

These features make it an excellent choice for both new and experienced investors looking to buy XRP quickly and securely.

👉 Discover how easy it is to start investing in XRP today.

Step-by-Step Guide: How to Buy XRP on Crypto.com App

Follow these simple steps to purchase XRP directly through the Crypto.com app:

Step 1: Download the App & Create an Account

Start by downloading the Crypto.com app from the App Store or Google Play. Open the app and tap “Sign Up.” You’ll need to provide:

After registration, verify your identity through email and SMS.

Step 2: Complete Identity Verification

To comply with U.S. regulations (KYC – Know Your Customer), you must verify your identity. Upload a government-issued ID (such as a driver’s license or passport) and take a live selfie. This process usually takes less than 10 minutes.

Step 3: Deposit Funds

Once verified, go to the “Wallet” section and tap “Deposit.” You can fund your account using:

ACH deposits are free but may take 1–3 business days. Debit card purchases are instant but come with a small fee (~2.5%).

Step 4: Search for XRP

Navigate to the “Trade” tab and use the search bar to find XRP/USD. Tap on it to open the trading interface.

Step 5: Place Your Order

Choose whether to buy XRP by:

Review the estimated price, including any fees, then tap “Buy XRP” to confirm.

Your purchased XRP will appear instantly in your wallet balance.

👉 Get started with fast, secure crypto transactions now.

How Does Buying XRP on Coinbase Compare?

Coinbase is another top-tier exchange available in the U.S. The process is very similar:

  1. Sign up and complete verification.
  2. Link your bank account or card.
  3. Navigate to the “Buy/Sell” page.
  4. Search for XRP and place your order.

However, note that Coinbase previously delisted XRP due to regulatory concerns, though it has since relisted it following favorable court rulings. Always check current availability before relying on any platform.

Compared to Crypto.com, Coinbase offers a more educational experience with its Coinbase Earn program but tends to have higher fees unless you use Coinbase Advanced Trade.

Can You Buy XRP on KuCoin?

Yes, KuCoin supports XRP trading and offers a wide variety of altcoins. However, KuCoin is not available to U.S.-based users due to regulatory restrictions. If you're outside the U.S., you can:

  1. Register on KuCoin.
  2. Complete KYC.
  3. Deposit fiat or crypto.
  4. Trade for XRP.

For American investors, sticking with regulated U.S. exchanges like Crypto.com or Coinbase is safer and legally compliant.

Frequently Asked Questions (FAQ)

Q1: Is XRP legal to buy in the United States?

Yes. Despite past regulatory scrutiny from the SEC, XRP remains available for purchase on several major U.S.-compliant exchanges, including Crypto.com and Coinbase.

Q2: How long does it take to buy XRP on Crypto.com?

With a debit card, purchases are instant. ACH bank transfers may take 1–3 business days to settle before you can trade.

Q3: Are there fees when buying XRP?

Yes. Crypto.com charges:

Debit card purchases typically include a convenience fee.

Q4: Where should I store my XRP after buying?

For maximum security, transfer your XRP to a non-custodial wallet like Ledger, Trust Wallet, or XUMM. This gives you full control over your private keys.

Q5: Can I use PayPal to buy XRP?

Not directly on Crypto.com or Coinbase. However, some third-party platforms allow PayPal-funded purchases, but they may charge higher fees and pose greater risk.

Q6: What’s the minimum amount of XRP I can buy?

On Crypto.com, you can buy as little as $1 worth of XRP, making it accessible even for small investors.

Final Thoughts: Start Your XRP Journey Today

Buying XRP doesn’t have to be complicated. With platforms like Crypto.com, the entire process—from sign-up to ownership—can be completed in under 15 minutes. By following our step-by-step guide, you’ll not only learn how to buy XRP safely but also understand the nuances between Ripple and its underlying cryptocurrency.

Always remember: do your research, prioritize regulated exchanges, and consider long-term storage options beyond exchange wallets.

👉 Begin your journey into fast, efficient digital finance now.

Whether you're investing for growth or intrigued by blockchain innovation, XRP remains a compelling asset in the evolving crypto landscape of 2025.

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