How to Buy XRP IN The USA (The Easiest Beginners’ Method)




how to buy xrp in usa

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On December 22, 2020, the value of the third most valuable digital token, XRP, was called into question after the Securities and Exchange Commission (S.E.C) filed a lawsuit against the company behind it!

That’s why it’s no longer available on most of the US-based crypto exchanges! As of June 2022, it’s started to look that Ripple may win the lawsuit and that means the price will probably see a surge!

A lot of people are looking to get in before that surge, but are struggling to purchase inside of the US. That’s why I decided to write this article and show you exactly how to buy Ripple or the XRP token inside of the United States.

So, let’s talk through how you can buy the XRP token, regardless of where you are in the world!

If you find this post inspiring and valuable, share it with your friends, please! (Virtual high fives and hugs to all my sharers out there)

How to Buy XRP in the USA?

In short, the easiest and most safe way to buy XRP in the United States is through a trusted crypto exchange that supports the coin. KuCoin tends to be the perfect match for buying XRP because, first, it supports trading it, and second, it only requires partial KYC verification, which makes the process way easier for newcomers!

Now, the first step depends on how new you are to the crypto world! If you already own crypto on other exchanges, you would need to transfer them to KuCoin where you’re going to make the purchase of the Ripple token!

If, however, you are living in the US but don’t have any crypto to your name, you would need to buy some so you can transfer them to your KuCoin account and trade them for XRP!

Below is a quick illustrated tutorial of each method:

How to Buy XRP in the USA When You Don’t Own Any Crypto? (For Beginners)

KuCoin is not licensed in the US. That means that U.S.-based investors can’t use U.S. fiat currency as easily and need to have crypto already!

If you’re a complete beginner who doesn’t own any crypto but still want to buy XRP before the lawsuit ends in hopes of 10x your money, you may need to still use a Coinbase account to purchase some crypto, then you’ll send that over to your KuCoin, and that’s where you’re going to make XRP the purchase!

The reason we are going to be using Coinbase is that it’s one of the biggest and most trusted crypto wallets out there! It’s easy to use, is designed quite well, and will protect your coins with multiple security features (i.e. 2-FA).

So, I’m going to be taking 1 minute, very briefly and show you the 4-step process of funding your KuCoin account with USDC, and then use that to purchase XRP!

Step 1. Sign Up for a Coinbase Account

Creating a Coinbase wallet is fairly easy and can be done in a matter of minutes. You simply go to and click the “Get Started” button in the top right. Alternatively, you can click the button below this image to receive $10 in free Bitcoin if you spend over $100!

After creating your Coinbase wallet, you would need to link a payment method (be it a PayPal account or a bank account) so you can fund your account with some USDC.

After connecting your preferred payment method, you can buy USDC by simply hovering over the “Trade” button in your Coinbase dashboard, searching all assets for a coin called “USDC”, you’ll click buy and select however much you’re looking to buy in XRP! (If you spend $100 plus, you will get $10 in FREE Bitcoin!)

Congrats… You’re a proud crypto holder now and you can now transfer those USDC tokens to KuCoin where you’re going to actually buy XRP! And this is what takes us to the next step:

Step 2. Send USDC from Coinbase to KuCoin

After waiting a minute, you would need to go to your Coinbase dashboard and click the “Assets” tab and see if your purchase actually went through. After your USDC tokens hit your account, you would need to send them to your KuCoin account.

In your KuCoin account, you’ve got a couple of different accounts, but the one that you may need to interact with is the “Main Account”, and that’s where you’re going to receive these funds.

So, we just need to get an address for our USDC. So, you will click your main account, search for USDC, click deposit, and it’s going to give you an address!

After then, you’ll copy that USDC address, head back to Coinbase, and then click the “Send/Receive” button in the top right area of your screen, select send since you’re actually sending them outside of Coinbase, place the KuCoin wallet address in its right place, and you’re good to go!

It usually takes up to 10 minutes for your coins to hit your KuCoin account and once it arrives, it will show up in your main account under USDC.

Step 3. Internally Transfer USDC from Main Account to Trading Account in KuCoin

So, KuCoin is a little bit different. You would need to move the received coins from your main account into your trading account, that’s where you are actually going to make the XRP trade.

Don’t worry, internal transfers between different accounts inside of your KuCoin account don’t have any additional fees. It’s like moving your money from one pocket to another!

Now, you’ve got a positive trading wallet and it’s time to buy some XRP, and that is what takes us to the last step!

Step 4. Trade USDC for XRP

Finally, you would need to go to Trade – Spot Trading and search for a pair called XRP/USDC. This means that you’re going to be buying XRP with the USDC tokens that you have!

Unless you’re buying a large amount, you’re probably okay doing a market order. If you want all the USDC coins you have to turn into XRP, you can simply click the “100%” option and submit your order!

After your order goes through, it will show up in your “Order History” tab and you can double-check by hovering over to Assets – Trading Account, and it will show you all the different assets currently in your trading account.

Congrats! You’re a proud XRP HODLER now! You can either leave them in your trading account or move them to your main account internally as I just showed you earlier. Those XRP coins are just yours to hold and do whatever you want with!

How to Buy XRP in the USA When You Already Own Crypto?

As previously discussed, the reason we are using the KuCoin exchange for purchasing Ripple (XRP) is that it has partial KYC verification. This means that you don’t need to verify that you’re not living in the US!

If you already own some crypto on any exchange, you should already be familiar with the process of moving/withdrawing crypto from one address to another.

Even if not, following the previously discussed steps could be more than enough for you to confidently go ahead and move your crypto around among different wallets!

Being said, below are the exact steps you need to go through in order to buy XRP when you already have crypto in any crypto wallet:

  1. Send Your Crypto to Your KuCoin Account
  2. Internally Transfer Crypto from Main Account to Trading Account in KuCoin
  3. Trade Your Crypto for XRP

Why Should You Use KuCoin for Buying XRP?

Well, there is a bunch of crypto exchanges out there, why KuCoin? You may ask. To answer your question, below is a quick breakdown of the advantages and disadvantages of using KuCoin for buying XRP:

Advantages of Using KuCoin for Buying XRP:

  • Free Tether (USDT) – Up to $500 in USDT (Tether) is available for users after making a first deposit or transfer of at least 50 USDT. If you don’t have a KuCoin account yet, now is the time to create one!
  • Partial KYC Verification – This means that you don’t need to verify that you’re not living in the US in order to sign up for a KuCoin account. Partial know your customer verification needed such as mobile and email verification. This can smoothen newcomers’ journey on the platform!
  • Access to Ripple (XRP) – Today, while most US-based crypto exchanges have banned trading the XRP token, KuCoin is among the exchanges that give you access to the token and allow you to trade it!
  • Staking – KuCoin has different staking programs that allow you to lock your coins for a specific period of time and get a profit out of it. This means that you can stake your XRP tokens and reduce the cost of purchasing over time!
  • Low Fees – KuCoin offers relatively low fees compared to other crypto exchanges. The fees are 0.1% and can be reduced to 0.08% if you pay your fees using their own token (KCS coin).

The Only Downfall of KuCoin

The only hard thing with KuCoin is that it’s often a little bit hard to onboard money, especially for complete beginners! KuCoin is not licensed in the U.S. As a result, U.S.-based investors might have restrictions on buying crypto directly through their Debit or Credit cards and need to have crypto already!

Is KuCoin Legit?

Yes, KuCoin is a legitimate cryptocurrency exchange. Although it has partial KYC verification, it uses standard encryption and offers two-factor authentication. Also, the company has what’s called an Insurance Fund which is a fund pool that is designed to cover losses due to hacking. Best of all, historical funds records are publicly available for traders!

Cryptocurrencies Available on KuCoin

KuCoin has over 600+ cryptocurrencies available to trade on the market. Some of the more popular coins offered on KuCoin include:

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Binance Chain Native Token (BNB)
  • Ripple (XRP)
  • Cardano (ADA)
  • Solana (SOL)
  • Doge (DOGE)
  • Polkadot (DOT)
  • Tron (TRX)
  • Avalanche (AVAX)
  • Shiba Inu (SHIB)
  • Polygon (MATIC)
  • Coin (CRO)
  • Litecoin (LTC)
  • Near Protocol (NEAR)
  • Uniswap (UNI)
  • Stellar (XLM)
  • Bitcoin Cash (BCH)

KuCoin is one of the widest ranges available, and they continually add new coins to their list. You will almost certainly find the coin you are searching for on KuCoin.

How to Open a KuCoin Account?

Opening an account is fairly straightforward, and you can do it on your phone or via email. Once you set a login and password and verify the account with a code, you’re set up. You can win up to $500 USDT if you register through this link, or if you use this KuCoin referral code: rJHKDEG

You can also verify your identity by going through a more involved process and providing documentation with the Know Your Customer (KYC) verification feature. Here are some of the available benefits and features of a successful verification:

Withdrawal Limit – Daily withdrawal up to 1 BTC

Futures Trading Leverage – Max. leverage on futures trading: 100x

Fiat-to-Crypto Trading Limit – Daily trading limit: 1,400 USDT

KuCoin Vs. Coinbase Vs. Binance.US

You may be wondering which exchange stands out between KuCoin, Coinbase, and Binance.US! Well, to help you figure this out by yourself, I’ve prepared for you the below small table that compares the 3 exchanges in terms of the number of digital currencies available, fees, minimum trade, and wallet storage!

Digital Currencies600+ cryptocurrencies150+ cryptocurrencies65+ cryptocurrencies
FeesUp to 0.1%, depending on level0.50% spread, fee between 1.49% and 3.99% (or a $0.99 to $2.99 flat fee)0.1% trading fee; Can get a 25% discount on your fee if you hold Binance coin
Minimum TradeDepends on the token$2$10
Wallet StorageKeep coins on exchange, held in a hot wallet, or transfer to your own walletKeep coins on Coinbase account, Coinbase Wallet, or transfer to your own walletKeep coins in Binance.US account or transfer to your own wallet

Is KuCoin Better Than Coinbase?

Coinbase is regulated in the US and cash deposits are protected by FDIC insurance, allowing traders to use U.S. dollars to buy crypto more simply. KuCoin, on the other hand, is not licensed in the US. This means that citizens can’t use U.S. fiat currency as easily and need to have crypto already. Generally speaking, KuCoin has lower fees and access to a wider variety of altcoins.

What Will Happen to XRP if They Win Lawsuit?

Although winning the lawsuit may not lift the XRP token’s value overnight, it will improve the XRP ecosystem as a whole. This event would be a boon for the whole crypto market, make the holders more bullish on the token, and probably bring in newcomers to the crypto world!


With the fact that small victories help to achieve a big target, Ripple’s small wins against the S.E.C may lead to a huge victory that might cause a surge in the token’s price by 2023!

This beginner-friendly tutorial discussed how you can buy the XRP token, regardless of where you are in the world!

So, if you’re a U.S. citizen who’s struggling to purchase XRP as it’s banned from most crypto exchanges, this post could be of great help to you!

Whether you already own some crypto or not, by the time you finish reading this XRP-KuCoin guide, you should be familiar with the process of purchasing USDC and trading them for XRP.

If you find this post inspiring and valuable, share it with your friends, please! (Virtual high fives and hugs to all my sharers out there)

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Odeh Ahwal

So behind every great blog is usually someone who runs it all. That would be me, Odeh Ahwal. I’ve created the eComDimes blog with a mission to help people provide well for their families by starting online businesses, share my experience, and just introduce you to different ways of making money online! At eComDimes, we help you turn your dimes into dollars!

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