XRP is one of the fastest and most affordable cryptocurrencies for cross-border payments. Created in 2012, it settles transactions in just 3 to 5 seconds with fees less than a cent. This guide showsXRP is one of the fastest and most affordable cryptocurrencies for cross-border payments. Created in 2012, it settles transactions in just 3 to 5 seconds with fees less than a cent. This guide shows
Learn/Cryptocurrency Knowledge/Hot Concepts/How to Buy ...-Step Guide

How to Buy XRP? A Beginner's Step-by-Step Guide

Author: MEXC
Intermediate
Jan 14, 2026MEXC
0m
XRP
XRP$1.89-4.80%
CROSS
CROSS$0.13001-1.29%
Brainedge
LEARN$0.00889-4.40%
Lorenzo Protocol
BANK$0.04979-1.28%
Ambire Wallet
WALLET$0.00856-12.56%
XRP is one of the fastest and most affordable cryptocurrencies for cross-border payments.
Created in 2012, it settles transactions in just 3 to 5 seconds with fees less than a cent.
This guide shows you exactly how to buy XRP on MEXC, step by step.
You will learn what XRP is, how to purchase it safely, and what to do after your first buy.
Whether you are new to crypto or just new to XRP, this guide makes the process simple.

Key Takeaways
  • XRP settles transactions in 3 to 5 seconds with fees starting at just 0.00001 XRP per transaction.
  • You can buy XRP on MEXC using credit card, debit card, bank transfer, or crypto deposit.
  • The XRP Ledger has processed over 3.8 billion transactions since 2012, proving its reliability for cross-border payments.
  • After buying XRP, store it in your MEXC wallet for trading or transfer it to a hardware wallet for long-term security.
  • Always enable two-factor authentication and never share your private keys with anyone

What Is XRP and Why Should You Invest in It?

XRP is a digital asset built for fast, low-cost international payments.
It runs on the XRP Ledger, a decentralized blockchain that processes transactions in 3 to 5 seconds.
Unlike Bitcoin, XRP does not use mining, which makes it more energy-efficient.
The network charges a standard fee of just 0.00001 XRP per transaction, far cheaper than traditional bank transfers.
XRP ranks among the top cryptocurrencies by market capitalization, according to CoinMarketCap.
Financial institutions use XRP technology for cross-border settlements because it removes the delays of traditional banking.
For individual investors, XRP offers exposure to a cryptocurrency with real-world utility in global payments.
The XRP Ledger has processed over 3.8 billion transactions since 2012, representing more than $1.5 trillion in value moved between counterparties.
This track record shows the network's reliability and adoption in the financial industry.


How to Buy XRP on MEXC? Step-by-Step Instructions

Buying XRP on MEXC takes just a few minutes once you know the steps.
Follow this simple guide to purchase XRP safely and quickly.

Step 1: Create Your MEXC Account

Visit the MEXC website or download the mobile app from your app store.
Click the sign-up button and enter your email address or phone number.
Create a strong password to protect your account.
Complete the identity verification process by uploading a valid ID document.
This step unlocks higher deposit and withdrawal limits while keeping your account secure.

Step 2: Deposit Funds to Your Account

Navigate to the deposit section in your MEXC account.
Choose your preferred payment method: credit card, debit card, bank transfer, or crypto deposit.
Card purchases are the fastest way to add funds and start trading immediately.
Bank transfers typically have lower fees but take longer to process.
If you already own other cryptocurrencies, you can deposit them and convert to XRP later.

Step 3: Find XRP in the Trading Market

Go to the trading section and use the search bar to find XRP.
Select the XRP/USDT trading pair, which is the most popular option on MEXC.
USDT pairs are the most popular because they offer high liquidity.
The trading interface will show you the current XRP price and order book.

Step 4: Place Your Order and Buy XRP

Choose between a market order or a limit order.
A market order buys XRP instantly at the current price, which works best for beginners who want quick execution.
A limit order lets you set your own price and waits until the market reaches it.
Enter the amount of XRP you want to buy and click the buy button.
Your XRP will appear in your spot wallet within seconds.



How to Buy XRP With Credit Card and Other Payment Methods?

MEXC offers multiple payment options to fit your needs.
Credit and debit cards provide the fastest way to buy XRP, though they may carry slightly higher processing fees.
Bank transfers cost less but require more time to complete.
Crypto deposits work well if you already hold stablecoins like USDT and want to avoid fiat conversion fees.
MEXC offers spot trading with 0% maker fees and low taker fees.
The exchange charges a small percentage per trade, which you can reduce by increasing your trading volume.
The XRP network fee is minimal at just 0.00001 XRP per transaction. However, always check MEXC's withdrawal fee schedule for the total cost of transferring XRP off the exchange.
Always check the current fee schedule before making large purchases.
Understanding these costs helps you maximize the value of your investment and avoid surprises when moving your XRP.


How to Store and Manage XRP After You Buy It

Once you own XRP, you have several options for managing your investment.
Keep your XRP in your MEXC wallet if you plan to trade actively or want quick access to sell.
Transfer your XRP to a hardware wallet for long-term storage and maximum security.
Enable two-factor authentication on your exchange account to protect against unauthorized access.
Never share your private keys or recovery phrases with anyone.
Consider setting price alerts to track XRP market movements without checking constantly.
  • Hold your XRP long-term if you believe in its future growth potential.
  • Trade XRP against other cryptocurrencies to diversify your portfolio.
  • Always invest only what you can afford to lose.


Frequently Asked Questions About Buying XRP

How Do I Buy XRP as a Complete Beginner?
Create an account on MEXC, deposit funds using your preferred payment method, search for XRP in the trading section, and place a market order to buy instantly.


How Much Does It Cost to Buy XRP?
The cost depends on the current market price plus trading fees, which are typically a small percentage of your purchase amount.


How Much XRP Should I Buy?
Only invest an amount you can afford to lose, as cryptocurrency prices can be volatile.


What Is XRP and How Do You Buy It?
XRP is a digital asset for fast cross-border payments, and you can buy it on cryptocurrency exchanges like MEXC using fiat currency or other crypto.


Conclusion

Buying XRP is straightforward when you follow the right steps.
Create your MEXC account, deposit funds, find XRP in the market, and place your order.
The entire process takes just minutes from start to finish.
XRP offers fast transactions and low fees, making it an accessible cryptocurrency for beginners.
Start with a small amount to learn how the process works before investing more.
Market Opportunity
XRP Logo
XRP Price(XRP)
$1.89
$1.89$1.89
-1.42%
USD
XRP (XRP) Live Price Chart

Popular Articles

Hyperliquid (HYPE) Analysis: Can $141B Volume Absorb the $219M Unlock Shock?

Hyperliquid (HYPE) Analysis: Can $141B Volume Absorb the $219M Unlock Shock?

Executive Summary (TL;DR)Is Hyperliquid (HYPE) a buy despite the volatility?Verdict: Neutral / Watchlist. While Hyperliquid has achieved a record-breaking $141.4B in monthly volume—solidifying its dom

Author: MEXC
Chainlink ETF Approved: LINK Price Prediction & Liquidity Analysis 2026

Chainlink ETF Approved: LINK Price Prediction & Liquidity Analysis 2026

Executive Summary (TL;DR)Is the new Bitwise Chainlink ETF (CLNK) a buy signal?Yes. The SEC's approval of the Bitwise Chainlink Spot ETF (Ticker: CLNK) on January 14, 2026, marks a pivotal institutiona

Author: MEXC
Can Stargate (STG) Regain Price Momentum Through veSTG Incentives in 2026?

Can Stargate (STG) Regain Price Momentum Through veSTG Incentives in 2026?

As the cross-chain interoperability landscape matures in 2026, Stargate Finance (STG) stands at a critical juncture following its acquisition by the LayerZero Foundation. For investors, one question l

Author: MEXC
StableChain (STABLE) Market Analysis: On-Chain Data vs. Growth Potential

StableChain (STABLE) Market Analysis: On-Chain Data vs. Growth Potential

Key TakeawaysInnovation: StableChain eliminates the need for volatile assets like ETH or SOL by using USDT as its native gas token for transaction fees.Bearish Signal: Despite a high-profile December

Author: MEXC

Hot Crypto Updates

View More
XRP Price Prediction 2026: Why Seasoned Traders Choose MEXC to Position for XRP's Next Bull Run

XRP Price Prediction 2026: Why Seasoned Traders Choose MEXC to Position for XRP's Next Bull Run

In-depth XRP price prediction analysis for 2026 reveals why smart traders choose MEXC. Zero trading fees, deep liquidity, and 100x leverage help you capture XRP's potential growth from $2 to $5. Key

RLUSD vs USDT: How is Ripple's native stablecoin reshaping XRP ecosystem liquidity? A must-read guide for investors in 2026.

RLUSD vs USDT: How is Ripple's native stablecoin reshaping XRP ecosystem liquidity? A must-read guide for investors in 2026.

Discover how Ripple's RLUSD stablecoin synergizes with XRP to create a powerful DeFi liquidity bridge. Learn about yield opportunities on XRPL, why MEXC offers the best XRP trading experience, and

XRP Legal Clarity in 2026: How to Leverage Regulatory Advantage for Compliant Asset Allocation

XRP Legal Clarity in 2026: How to Leverage Regulatory Advantage for Compliant Asset Allocation

Discover XRP's unique compliance status post-SEC lawsuit, analyze 2026 spot ETF approval prospects, and learn why MEXC offers the best platform for trading XRP with lowest fees and deepest liquidity.

2026 RWA Tokenization Leader: Why XRP Ledger Is Becoming the Institutional Choice for Asset Digitization

2026 RWA Tokenization Leader: Why XRP Ledger Is Becoming the Institutional Choice for Asset Digitization

Discover why XRP Ledger dominates RWA tokenization in 2026. Learn about XRPL's native protocol, institutional partnerships, and zero-smart-contract architecture that makes it the optimal blockchain

Trending News

View More
Bitcoin Slips Below $90,000 As Ethereum Falls Under $3,000, Dragging XRP, Dogecoin Lower

Bitcoin Slips Below $90,000 As Ethereum Falls Under $3,000, Dragging XRP, Dogecoin Lower

Bitcoin fell below $90,000 on Tuesday as renewed tariff threats weighed on risk assets, triggering more than half a million liquidations across the crypto market

XRP Bullish Divergence Shows The Next Direction That Price Is Headed In

XRP Bullish Divergence Shows The Next Direction That Price Is Headed In

XRP might be currently trading in corrections, but technical analysis shows the cryptocurrency is still headed in an upward direction. A recent analysis shared

Glassnode Flags XRP Structure Matching Feb 2022 Pre-Crash Setup

Glassnode Flags XRP Structure Matching Feb 2022 Pre-Crash Setup

Glassnode has said XRP's on-chain cost basis matches the setup seen before the 2022 60% drop: newer wallets undercut 6-12 month holders, leaving supply overhead

XRP Trades Under $2 as Liquidations and ETF Flows Reshape Market

XRP Trades Under $2 as Liquidations and ETF Flows Reshape Market

The post XRP Trades Under $2 as Liquidations and ETF Flows Reshape Market appeared on BitcoinEthereumNews.com. XRP pulled back to around $1.95 after a strong early

Related Articles

Hyperliquid (HYPE) Analysis: Can $141B Volume Absorb the $219M Unlock Shock?

Hyperliquid (HYPE) Analysis: Can $141B Volume Absorb the $219M Unlock Shock?

Executive Summary (TL;DR)Is Hyperliquid (HYPE) a buy despite the volatility?Verdict: Neutral / Watchlist. While Hyperliquid has achieved a record-breaking $141.4B in monthly volume—solidifying its dom

Author: MEXC
Chainlink ETF Approved: LINK Price Prediction & Liquidity Analysis 2026

Chainlink ETF Approved: LINK Price Prediction & Liquidity Analysis 2026

Executive Summary (TL;DR)Is the new Bitwise Chainlink ETF (CLNK) a buy signal?Yes. The SEC's approval of the Bitwise Chainlink Spot ETF (Ticker: CLNK) on January 14, 2026, marks a pivotal institutiona

Author: MEXC
Can Stargate (STG) Regain Price Momentum Through veSTG Incentives in 2026?

Can Stargate (STG) Regain Price Momentum Through veSTG Incentives in 2026?

As the cross-chain interoperability landscape matures in 2026, Stargate Finance (STG) stands at a critical juncture following its acquisition by the LayerZero Foundation. For investors, one question l

Author: MEXC
StableChain (STABLE) Market Analysis: On-Chain Data vs. Growth Potential

StableChain (STABLE) Market Analysis: On-Chain Data vs. Growth Potential

Key TakeawaysInnovation: StableChain eliminates the need for volatile assets like ETH or SOL by using USDT as its native gas token for transaction fees.Bearish Signal: Despite a high-profile December

Author: MEXC
Sign Up on MEXC
Sign Up & Receive Up to 10,000 USDT Bonus