Buy Ripple (XRP) Online: Cards, Bank Transfer, Apple & Google Pay

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How to buy Ripple in 4 steps

Step
1
Create your
free
account Sign up with your
email address.
Step
2
Verify your
identity Complete identity verification per
global AML standards.
Step
3
Choose your amount &
payment method Pay with credit/debit card, bank transfer, Apple Pay or Google Pay.
Step
4
Receive Ripple
in your wallet Ripple (XRP) is sent to the XRP Ledger address you provide.

Payment methods

Choose the method that fits your country and speed needs.

Credit card

Card payment, fast

Debit card

Card payment, fast

Bank transfer

1-3 business days

SEPA

EU bank transfer

Apple Pay

Mobile wallet

Google Pay

Mobile wallet

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What is Ripple (XRP)?

Ripple (XRP) is the native digital asset of the XRP Ledger, an open-source blockchain launched in 2012 to move value between currencies and across borders. XRP settles payments in seconds without mining, using a consensus protocol run by independent validators. Ripple is also the name of the US company, Ripple Labs Inc., that builds payment products on the ledger, contributes to its open-source software alongside independent developers, and uses XRP as a bridge currency.

XRP is not mined or staked. Every unit existed from day one, and independent validators confirm new ledger versions every few seconds. The sections below cover how the XRP Ledger reaches consensus, what XRP is actually used for in cross-border payments, and the risks worth weighing first.

Ripple (XRP) at a glance

  • TickerXRP
  • NetworkXRP Ledger (open-source)
  • Launched2012
  • Created byD. Schwartz, J. McCaleb, A. Britto
  • ConsensusXRP Ledger Consensus Protocol
  • Supply modelAll created at launch; fees burned
  • Main usePayments; cross-border bridge asset

How the XRP Ledger works

  • The XRP Ledger is an open-source blockchain launched in 2012 and built by David Schwartz, Jed McCaleb, and Arthur Britto.
  • New ledger versions are confirmed by the XRP Ledger Consensus Protocol, in which independent validators agree on transaction order every few seconds.
  • No block rewards are issued, so XRP cannot be mined or staked, and all XRP was created at launch.
  • Each transaction destroys a small amount of XRP as a fee, so total supply shrinks, though the burns are tiny and Ripple Labs’ scheduled escrow releases have generally added more XRP to circulation.
  • Ripple Labs Inc. is a private US company that builds payment software on the ledger, while the ledger itself runs independently.

What XRP is used for

  • XRP is used mainly as a bridge asset for moving value between currencies and across borders.
  • Instead of pre-funding accounts in every destination currency, a payment provider converts into XRP, sends it over the ledger, and converts into local currency.
  • The XRP Ledger has a built-in decentralized exchange and supports issued tokens, so other assets can trade directly on the same network.
  • Any software or hardware wallet that supports the XRP Ledger can hold XRP, and a new address activates only once it receives the base reserve.
  • Every account must keep a locked, unspendable base reserve and trust lines add an owner reserve; validators can change the reserve amount, so check xrpl.org before funding a new address, and copy any destination tag exactly.

Risks to know before you buy XRP

  • The US Securities and Exchange Commission sued Ripple in December 2020 over how XRP was sold.
  • A July 2023 ruling treated institutional sales as unregistered securities offerings, but not sales on public exchanges.
  • An August 2024 final judgment ordered a civil penalty and an injunction, and both sides dropped their appeals in 2025, ending the case.
  • Rules still vary by country, so check your local regulations and tax rules and confirm at checkout whether XRP is offered where you live.
  • Ripple Labs holds a large share of supply in scheduled escrow, a centralization risk, and prices are volatile; this is general information, not investment advice.

How do I buy Ripple (XRP)?

You can buy Ripple (XRP) on Coinmama with a credit card, a debit card, a bank transfer over SEPA or SWIFT, Apple Pay, or Google Pay. Available payment methods vary by country and card issuer. The total, including fees, is shown before you confirm an order. Coinmama has operated since 2013 and is non-custodial for purchases, so your XRP goes straight to the XRP Ledger wallet address you enter at checkout. Support is available 24/7 by email at support@coinmama.com if you get stuck.

Many buyers hold XRP alongside other cryptocurrencies. If you are comparing networks, Bitcoin is the original proof-of-work payment chain, Ethereum runs smart contracts, and Solana and TRON also target fast, low-cost transfers. Tether (USDT) is a stablecoin designed to track the US dollar; stablecoins carry issuer and reserve risk and can trade away from their peg. Each has a different design, and each carries its own risks.

Frequently asked questions

Rules differ by country. In many jurisdictions buying and holding XRP is legal; in some it is restricted, and in others crypto is banned. Check your local regulations and tax rules before you buy, and confirm at checkout whether XRP is offered where you live. This is general information, not legal or tax advice.
Many verification checks complete automatically, while some need a manual review that takes longer. You upload a government-issued ID and a selfie. You will not repeat basic verification for every order, but higher purchase limits, expired documents, or additional compliance checks can require more information later. Support can help if your documents are rejected.
Coinmama supports credit cards, debit cards, bank transfers over SEPA or SWIFT, Apple Pay, and Google Pay. Availability varies by country and by card issuer, so the options you see at checkout depend on where you live. The checkout page shows what is available to you.
Store XRP in any wallet that supports the XRP Ledger, software or hardware. Every account must hold a locked, unspendable base reserve, so a new address activates only when it receives at least that amount. Validators can change the reserve, so check xrpl.org. Trust lines add an owner reserve. Copy any destination tag exactly.
After your payment clears, Coinmama sends the XRP to the wallet address you entered. You get an order confirmation by email, and the transaction becomes visible on the XRP Ledger once it settles. Coinmama does not hold your coins for you after delivery.
Yes. Coinmama is non-custodial for purchases, so you provide an XRP Ledger wallet address and the coins are delivered there. Set up a wallet before you check out, make sure it supports XRP, and keep your recovery phrase somewhere private and offline.
Yes. Coinmama uses TLS encryption, supports two-factor authentication on your account, and runs behind Cloudflare edge protection. Identity documents are collected for KYC and AML compliance and are handled by Coinmama’s operator, New Bit Ventures Ltd., under its privacy policy. Never share your password, 2FA codes, or wallet recovery phrase with anyone.
Selling depends on your country. Coinmama offers a sell option in some regions and for some coins, and availability changes over time, so check your account or contact support at support@coinmama.com to confirm whether selling XRP is currently supported where you live.
Ripple, or Ripple Labs Inc., is a private US company that builds payment software; XRP is the digital asset that runs on the XRP Ledger, an open-source blockchain anyone can use. Ripple holds a large amount of XRP and uses it in its products, but the ledger itself runs independently.

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