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XRP continues to capture the attention of investors following the conclusion of Ripple’s prolonged legal clash with the SEC, which has bolstered institutional demand.
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As the cryptocurrency market matures, understanding how to buy XRP efficiently has become essential for both new and seasoned investors.
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According to COINOTAG, “XRP’s recent price surge reflects increased confidence in its value proposition post-SEC ruling.”
Discover how to buy XRP effortlessly with your credit or debit card in the evolving cryptocurrency landscape, ensuring you stay ahead in your investments.
How to buy XRP with a credit or debit card
Buying XRP with a credit or debit card is straightforward and involves three primary steps:
- Sign up for an exchange.
- Add a debit or credit card.
- Complete your transaction.
Let’s break down each step for clarity.
For this guide, we’ll illustrate how to buy XRP through Uphold.
Step 1: Sign up for an exchange
1. Go to the website: Open Uphold’s official website and click on “Get Started” to initiate the registration process.
2. Enter your details: Choose between signing up as an Individual or a Business. Provide your email, create a password, and select your country of residence. Ensure your password meets security requirements (12 characters including uppercase, lowercase, numbers, and special characters).
3. Input personal information: Fill in your full legal name, date of birth, and social security or tax ID number. Click “Next” to continue.
4. Verify your identity: To fully use Uphold, identity verification is necessary. You’ll need a valid government ID and may need to take a selfie for validation.
Once your account is set up, you can proceed to the next step to buy XRP with your debit or credit card.
Step 2: Add a credit or debit card
1. Log into your account: Access your newly created Uphold account. Familiarize yourself with the sections: your watchlist, portfolio, and trading area.
2. Access the menu: Click the button with three dots and a circle icon on the left. Select “Linked Accounts” from the menu.
3. Add your card: Click the plus sign to link a debit or credit card. Uphold accepts Visa and Mastercard. Ensure your card type is accepted by the exchange before linking.
4. Enter card details: Fill in your card number, expiration date, and CVV, then select “Add Card.”
Step 3: Buy XRP
1. Navigate to your account: Locate the main page of your account, focusing on the cryptocurrency purchase section.
2. Choose your payment method: Click “Select Source” and find your debit or credit card from the list.
3. Select XRP: Click “Select Destination” and choose XRP. If it’s not shown, you can search for it using the search feature.
4. Specify the amount: Determine how much XRP you wish to buy. If applicable, set special order types like Take-Profit or Trailing Stop. Click “Preview Deposit” to proceed.
5. Confirm your order: Review your order carefully for accuracy before finalizing. At this stage, you might set up recurring purchases or opt for a one-time buy.
Once everything checks out, choose “Confirm Deposit” to finalize your XRP purchase using a credit or debit card.
What is XRP?
XRP is the native cryptocurrency of the XRP Ledger (XRPL), similar to how Ether (ETH) functions on the Ethereum blockchain.
Founded in 2012 by Jed McCaleb, Arthur Britto, and David Schwartz, OpenCoin eventually rebranded to Ripple Labs. This fintech firm develops products that leverage XRPL and XRP, including RippleNet.
It’s important to understand: XRPL, XRP, and Ripple serve different functions within the ecosystem.
Unlike most blockchains, XRPL operates on a unique consensus mechanism involving trusted validators rather than relying on traditional proof-of-work or proof-of-stake models.
XRP aims to facilitate rapid, cost-efficient payments. Initially marketed as an economical solution for bank settlements, it has evolved into a favored method for cross-border remittances.
XRP has encountered significant legal challenges. In December 2020, the U.S. SEC filed a lawsuit against Ripple Labs, claiming XRP was sold as an unregistered security.
In July 2023, a U.S. court ruled that XRP, when sold to the general public via exchanges, does not qualify as a security. Ripple settled, agreeing to pay a $50 million fine, reduced from an initial $125 million.
As of March 2025, the SEC’s appeal was withdrawn, signaling an end to its legal dispute with Ripple. The resolution led to a surge in XRP’s price, showcasing renewed investor confidence.
One of crypto’s most resilient assets
XRP’s unwavering resilience, supported by a dedicated community, has solidified its position in the market. In this guide, we streamlined the buying process for XRP using a credit or debit card: simply register with an exchange, link your card, and make your purchase. However, remain aware of the volatility in cryptocurrency investments—never invest more than you can afford to lose.
Conclusion
As the crypto landscape evolves, XRP stands out as a viable asset. With a clear roadmap for purchasing it with traditional banking methods and the backing of a significant community, XRP might be a robust choice for both new and experienced investors. Always approach such investments with caution and a clear strategy.
