How to Buy XRP in USA (2025 Guide): Safe, Fast & Beginner-Friendly Steps

Written by C, Fiona
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Last updated: 11/24/2025 20:26
If you’re a U.S.-based investor looking to buy XRP in 2025, you’re in a great position: regulatory clarity has improved, several exchanges support XRP trading, and it’s possible to do it safely and cost-effectively. This guide is designed for beginners but rooted in professional analysis — you’ll learn about the legal status, how to pick an exchange, step-by-step buying instructions, fee comparisons, storage best practices, and how to get started on BTCC.

Table of Contents

Is XRP Legal to Buy in the USA in 2025?

Yes — you can legally buy and trade XRP in the U.S. today. Here’s why:

•Ripple and SEC Settlement: Ripple reached a $50 million settlement with the SEC in May 2025, resolving major parts of their legal dispute.

•Returning of Escrow Funds: Part of the agreement allows Ripple to reclaim about $75 million of previously escrowed funds.

•Court Rejection on Procedural Grounds: In June 2025, Judge Torres rejected a motion to lift the injunction, citing procedural issues (not because of the substance of the agreement).

•Long-Term Injunction Remains: Judge Torres emphasized that the permanent injunction is necessary due to Ripple’s past behavior and potential for future violations.

Because of these developments, retail investors in the U.S. have clearer legal pathways to own and trade XRP.

Trade on BTCC Now

/ You can claim a welcome reward of up to 10,055 USDT🎁\

Major U.S.-Accessible Exchanges to Buy XRP in 2025

Here are some of the top exchanges that support XRP and are accessible to U.S. users.
Exchange USD / Stablecoin Deposit XRP Support Key Strengths
BTCC USDT, USDC, Bank Transfer Yes Very low fees, deep liquidity, stablecoin pairs
Coinbase Bank, Card Yes Beginner-friendly, regulated in US
Kraken Bank, Crypto Yes High security, advanced trading tools
Uphold Bank, Card, Crypto Yes Easier swaps, simple UI
These platforms make it possible for U.S.-based users to trade XRP legally, with varying costs and features depending on your needs.

Step-by-Step: How to Buy XRP as a Beginner (Using BTCC)

Here’s a clear, practical tutorial for buying XRP on BTCC — but the steps are similar for other exchanges.

1.Create and Verify Your Account

•Go to BTCC’s website and sign up.

•Complete KYC verification (government ID, proof of address, selfie).

•Enable Two-Factor Authentication (2FA) for enhanced security.


2.Deposit Funds

•You can deposit via stablecoins (e.g., USDT), which is often more cost-efficient.

•Alternatively, deposit via bank transfer or supported fiat options.


3.Find the XRP Market

•Navigate to “Trade” or “Markets.”

•Search for XRP/USDT (or the pair your exchange supports).


4.Place an Order

•Market Order: executes immediately — great for beginners.

•Limit Order: set a price; useful if you want to buy at a specific level.

•Stop / Stop-Limit Orders: for more advanced risk control.


5.Confirm the Order

•Enter how much USDT (or USD) you want to spend.

•Check estimated fees and slippage.

•Click “Buy XRP” to execute your trade.


6.Secure Your XRP

•Short-term: store on BTCC if you plan to trade.

•Long-term: withdraw to a self-custody wallet (e.g., Ledger, Xumm).

•Always backup your wallet’s seed phrase securely.
Trade on BTCC Now

/ You can claim a welcome reward of up to 10,055 USDT🎁\

Fee Comparison: XRP Trading Across Exchanges

Here’s a fee comparison table (maker / taker) for major U.S.-accessible exchanges, including BTCC, based on publicly available data or fee disclosures.
Exchange Maker Fee Taker Fee Why It Matters for XRP Buyers
BTCC ~0.025% ~0.045% Very competitive; ideal for frequent trading.
Coinbase (Advanced / Pro) ~0.40% ~0.60% Higher cost but very user-friendly interface.
Kraken ~0.02–0.10% ~0.05–0.26% Volume-based fees, good for more active traders.
Uphold Spread-based (varies) Spread-based (varies) Not fixed maker/taker, depends on real-time quote.
Note: Always double-check live fee schedules on the exchange before trading—fees may change.

Risks, Volatility & Best Practices When Buying XRP

Key Risks to Be Aware Of

•Price Volatility: XRP, like other crypto, can experience sharp up-and-down swings.

•Regulatory Risk: Despite 2025 clarity, court judgments and injunctions still matter.

•Counterparty Risk: If you leave XRP on an exchange, you’re exposed to that exchange’s security and solvency risks.

Best Practices for U.S. Investors

•Use limit orders rather than market orders to optimize your entry price.

•Only trade with money you can afford to lose.

•For long-term holdings, withdraw to a cold wallet (hardware or software).

•Use 2FA, strong passwords, and, if available, address whitelisting for withdrawals.

Why Choose BTCC to Trade XRP (Especially for U.S. Users)

•Ultra-Low Fees — As shown in the fee table above, BTCC’s trading costs are very competitive, especially on stablecoin pairs.

•Liquidity Advantages — Deep order books help with smoother execution.

•Beginner-Friendly — Easy-to-navigate UI and clear onboarding process.

•Security — Strong KYC, withdrawal protections, and established platform reputation.

Ready to start? Sign up and trade XRP on BTCC now

Trade on BTCC Now

/ You can claim a welcome reward of up to 10,055 USDT🎁\

FAQs — Common Questions About Buying XRP in the U.S.

Q1: Is XRP still considered a security in the U.S.?

 

No — retail XRP (sold on public exchanges) was ruled not a security in earlier court decisions, and the 2025 settlement did not change that for retail trades.

Q2: Why did Judge Torres reject the $50M settlement request?
She rejected it on procedural grounds, saying the parties filed the request improperly, not because she disagreed with the penalty amount.

Q3: Which exchanges let U.S. users buy XRP?
Some popular ones include BTCC, Coinbase, Kraken, and Uphold, each offering different deposit methods, fee structures, and trading tools.

Q4: Do I need to verify my identity (KYC)?
Yes — all major U.S.-accessible exchanges require KYC before users can deposit fiat and place trades.

Q5: Should I move my XRP to a wallet after buying?
If you plan to hold for the long term, yes. Use a self-custody wallet (hardware or trusted software) and back up your seed phrase securely.

Conclusion

Buying XRP in the U.S. in 2025 has become more viable and legally clearer — especially for retail investors. With reputable exchanges like BTCC, competitive fees, and solid on-ramp options, there’s a straightforward path to getting started.
By following the steps above, using limit orders, and storing your XRP securely, you can navigate the crypto landscape confidently.

Get started now: Open your BTCC account and place your first XRP order.

For more detailed market analysis, strategies, and educational resources, visit BTCC Academy and stay ahead of the curve in the rapidly evolving crypto space.

How to Trade Crypto on BTCC?

This brief instruction will assist you in registering for and trading on the BTCC exchange.

Step 1: Register an account

The first step is to hit the “Sign Up” button on the BTCC website or app. Your email address and a strong password are all you need. After completing that, look for a verification email in your inbox. To activate your account, click the link in the email.

 

Create an Account

 

Step 2: Finish the KYC

The Know Your Customer (KYC) procedure is the next step after your account is operational. The main goal of this stage is to maintain compliance and security. You must upload identification, such as a passport or driver’s license. You’ll receive a confirmation email as soon as your documents are validated, so don’t worry—it’s a quick process.

 

Complete KYC

 

Step 3. Deposit Funds

After that, adding money to your account is simple. BTCC provides a range of payment options, such as credit cards and bank transfers. To get your money into your trading account, simply choose what works best for you, enter the amount, and then follow the instructions.

  • Fiat Deposit. Buy USDT using Visa/Mastercard (KYC required).
  • Crypto Deposit. Transfer crypto from another platform or wallet.

 

Deposit Funds

 

Step 4. Start Trading

If you wish to follow profitable traders, you might go for copy trading, futures, or spot trading. After choosing your order type and the cryptocurrency you wish to trade, press the buy or sell button. Managing your portfolio and keeping track of your trades is made simple by the user-friendly interface.

 

Start Trading

 

Look more for details: How to Trade Crypto Futures Contracts on BTCC

 

BTCC FAQs

Is BTCC safe?

Based on its track record since 2011, BTCC has established itself as a secure cryptocurrency exchange. There have been no reports of fraudulent activity involving user accounts or the platform’s infrastructure. By enforcing mandatory know-your-customer (KYC) and anti-money laundering (AML) procedures, the cryptocurrency trading platform gives consumers greater security. For operations like withdrawals, it also provides extra security features like two-factor authentication (2FA).

Is KYC Necessary for BTCC?

Indeed. Before using BTCC goods, users must finish the Know Your Customer (KYC) process. A facial recognition scan and legitimate identification documents must be submitted for this process. Usually, it is finished in a few minutes. This procedure has the benefit of strengthening the security of the exchange and satisfying legal requirements.

Because their accounts will have a lower daily withdrawal limit, those who do not finish their KYC are unable to make deposits. It should be noted that those who present a legitimate ID without a facial recognition scan will likewise have restricted withdrawal options.

Is There a Mobile App for BTCC?

Indeed. For users of iOS and Android, BTCC has a mobile app. The exchange’s website offers the mobile app for download. Since both the web version and the mobile app have the same features and capabilities, they are comparable.

Will I Have to Pay BTCC Trading Fees?

Indeed. BTCC levies a fee for trade, just like a lot of other centralised exchanges. Each user’s VIP level, which is unlocked according to their available money, determines the different costs. The BTCC website provides information on the charge rates.

Can I Access BTCC From the U.S?

You can, indeed. According to its website, BTCC has obtained a crypto license from the US Financial Crimes Enforcement Network (FinCEN), which enables the cryptocurrency exchange to provide its services to investors who are headquartered in the US.

According to BTCC’s User Agreement document, its goods are not allowed to be used in nations and organisations that have been sanctioned by the United States or other nations where it has a licence.

 

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