How to Buy Ripple with Credit Card

Do you know that you can make money with XRP coin? If you would like to know how to buy ripple cryptocurrency for future profit, read this guide to learn more.

By The 'Staunch

Sometime ago in my wonderland (not the movie though), i was like; “Should i buy Ripple XRP cryptocurrency coin now?

On the other hand, it was revealed to me, that lots of people who invested in the XRP coin made lots of profit – Yes, because of price value spike!

Recently, i figured out that many people also ask themselves the same question after they learned that Ripple (XRP) coin soared from $0.006 to over $3 price value in approximately 1 year back in 2017.

WOW!!! That is more like 3,000% profit made on the initial purchase… Isn’t it?!

Ripple payment protocol actually was created in late 2012, and has been on a constant uptrend ever since, as adoption and awareness continues to increase.

Although some people dislike the connection that Ripple has with the world’s largest banks, many see this as an opportunity to centralize the payment processes.

Ripple facilitates worldwide money transfers with practically no fees. Ripple is well-known for its strong connections with banks, and institutions to thrive XRP‘s adoption.

The major target of Ripple is to become a globally trusted, instant payment protocol with very little or no fees at all.

In this detailed guide, I’ll be covering the potentials of Ripple crypto-coin, by answering the questions to explain how you can buy XRP cryptocurrency asset.

I will also talk about the best way to buy ripple, and the best place to buy ripple with the risks associated Ripple currency.

Hopefully, this balanced content will help you decide whether now is the right time for you to learn how to buy and sell ripple for making profit on your cryptocurrency investment.

Before we get started, let me briefly explain the ripple cryptocurrency, so you will know a bit fundamental analysis of XRP crypto-coin… Let’s dive in already!

What is Ripple [XRP]?

Ripple Xrp Coin

Firstly, you need to know that Ripple is both a platform and also a currency.

It is a digital payment protocol that gained importance for its users since it’s a gateway between the traditional currencies and crypto-coins.

Jed McCaleb and Chris Larsen in 2012 co-founded Ripple, which quickly grew into a well-known payment platform where you can send EUR, USD, BTC, ETH etc.

How does Ripple work?

If you must know, XRP coin is not created by the users through the mining process. Instead, the company itself has created 100 Billion Ripple coins.

This XRP cryptocurrency works on a decentralized blockchain network – meaning that investors can buy, or sell XRP through the secure system of the Ripple lab company.

How does Ripple work with banks?

Platforms such as Ripple are essential for mainstream adoption, by working with FIAT and cryptocurrencies at same time.

Through the operating open-source and on a peer-to-peer decentralized payment network, the rules of crypto-security are taught to all new members of the space.

When buying Ripple, you don‘t actually buy Ripple. You buy Ripple‘s native currency called, XRP. Ripple currency coin basically acts as a gateway between FIAT, and every other cryptocurrency in the market.

What is the true value of XRP?

Ripple Price News

Ripple Labs Inc in response to Bitcoin’s slow transaction times and scalability issues Ripple to counter the back-sliding effect of Bitcoin blockchain.

Due to XRP blockchain’s focus on speed and transaction effectiveness, it quickly climbed into the top 3 cryptocurrency list on Coin Market Cap.

It takes around 4 seconds for a Ripple transaction to be confirmed. In contrast, Ethereum transaction normally take up-to 2 minutes, while Bitcoin transactions can take 1 hour-plus.

This has made Ripple the best currency of choice for traders that want to move money from one cryptocurrency exchange to the next one as fast as possible.

Currently, Ripple can handle approximately 1,500 transactions per second (Bitcoin can handle about 5 transactions per second).

Although the current throughput is more than sufficient at the present time, the development team behind Ripple has confirmed that if necessary, the blockchain can scale enough to match the throughput of VISA (50,000+ transactions per second).

How high can Ripple value go?

When estimating how high the crypto will go, we shouldn’t forget about real facts: Total Supply= 100,000,000,000 XRP.

So for XRP to worth $100 in future it should earn about 100,000,000,000 x $ 100 = $10,000,000,000,000 capital.

That’s $10 Trillion (Bitcoin’s current market cap is $213 billion).

Presently, no company has reached the market cap of even $1 trillion with Amazon, Google and Apple being race leaders.

Compared to that, Ripple’s $17 billion market cap is nothing. To reach XRP $100 price, the company should do something impossible.

Most likely, 100 USD threshold won’t be hit within the following five years – its total supply is too high.

Therefore, Ripple’s projected growth isn’t likely to be stopped, but it’s not so tremendous for the currency to get even to $50.

On the other hand, the crypto experts are of the view that XRP would beat Bitcoin and all other cryptocurrencies, if it’s value touches $7-$10 in this year.

The market cap of this cryptocurrency will cross Bitcoin which is the largest cryptocurrency in respect of market cap.

Should I buy Ripple now?

The highest price of XRP could potentially get to $110, $300 or even higher in the long run. Experts believe that the limiting factor for price mooning is the escrow from Ripple, as they simply sell XRP every month.

Once escrow is gone and all XRP is sold, the price can jump $100+, but it might take another 5-7 years to get to that level.

Many Ripple experts agree that its price can increase to $200 – 300 in 10 years. If this platform becomes a default payment asset for banks, it can reach the price of $20 very soon.

Besides, since the company continues heating up investors’ interest, XRP can become less volatile.

How much Ripple should i buy?

Once you decided that XRP is a good buy, you may come up with a different question like;

how much Ripple should you purchase?

It is relative to who you are as an Investor, your tolerance for risk, and how much capital you have to invest in XRP.

The general principle is to buy into an investment as early as possible for the lower price entry point, and the higher potential ROI (i.e. Return on Investment) should the coin increase in price value.

If you have a low tolerance for risk, it’s obviously more beneficial to buy-in at the lower price points.

Here are some questions to ask yourself:

  • Do you believe in the long term merits of the Ripple XRP coin project?
  • Do you agree with the business problems that Ripple is trying to solve with financial institutions?
  • How do you feel about the strength of XRP in relation to other competitors in the same problem domain?
  • Do you have confidence in the management team to execute on their road-map?
  • Do you want to invest in XRP for quick gains, or for the long term value?

How to buy Ripple (XRP) with credit card

I get it, you just want to buy Ripple crypto-coin asset, and what you are thinking right now is where, or the best way to buy ripple – Good, i got your back here my dear.

But you are still very confused with all the options you have out there, and you are worried about the simplest way, and best exchange platform to buy the cryptocurrency asset, without getting scammed along the line.

How to buy Ripple with USD credit card

If you are in a region where you’re allowed to buy crypto with credit/debit card, you should simply order from CoinSwitch, as it is one of the best platform to buy most cryptocurrencies for investment at a good price margin.

To see how to buy ripple with credit card, read my review on CoinSwitch exchange aggregator platform, to learn how you can buy Ripple currency.

Though, there are still other recommended exchanges, and best place to buy ripple cryptocurrency with your credit card, there are still things you will need to put in place before buying your desired amount of Ripple coin.

However, XRP Ripple cryptocurrency can be bought in following ways:

  1. Get a Ripple Wallet (e.g. Ledger Nano X/S, Trust Wallet or Edge)
  2. Get your XRP address and tags
  3. Sign up to an exchange platform (CoinSwitch or Binance)
  4. Then you can buy XRP using your credit/debit card

Note: Every Ripple wallet requires an initial 20 XRP deposit to create real account for the transactions. You may not be able to access this deposit after your initial purchase.

How to buy Ripple on Changelly

Changelly is yet another service that allows Ripple to be purchased easily. In order to use either of these services, you will need Bitcoin, or Ethereum.

Changelly never actually hold your coins, so you need to have a Ripple wallet.

An exchange wallet like Binance with 20 Ripple in it can be used, but the best and most secure option for storing Ripple is using a hardware wallet.

The best hardware wallet in the cryptocurrency market as of the time of writing this particular post is still Ledger Nano X.

In order to prevent massive amounts of unused Ripple addresses, Ripple requires each address to have a minimum of 20 Ripple in it.

As long as your first Ripple transaction to your wallet is worth more than 20 Ripple then you are good to go.

After setting up your Ripple wallet, go to either site and select your input currency. The input currency is the coin you are sending to the address in exchange for Ripple.

I recommend choosing Bitcoin, or Ethereum as input, but technically, just ANY coin on their site can be used. As for output, I am simply choosing to buy Ripple cryptocurrency.

You will be prompted for two fields:

  • XRP Address: Your Ripple Address
  • Destination Tag (Optional): A tag for including notes about the transaction.


Next, you need to send Bitcoin, or whatever input currency you chose to the deposit address provided by Changelly. Afterward, the deal is processed and the funds are sent to the address.

How to buy Ripple in Binance

Binance is currently the most popular cryptocurrency exchange in the market, and for good reason, it is also among the best exchange to buy ripple.

It serves almost all countries around the world, with some of the lowest fees (.075%).

Previously, the exchange use to be a crypto-to-crypto exchange – meaning that in order to purchase any cryptocurrency on it, you’ll need other cryptocurrencies.

But as at the time of writing this post, you can buy Ripple (XRP) on Binance using your credit, or debit card. To get started buying Ripple on Binance, you will need to sign up on the trading/exchange platform.

They have fast and easy signup process that supports all countries with no verification, unless you want to investment in any amount of Bitcoin.

After signing up, go to the navigation bar and mouse over funds then click on deposits. This is where you will find all the crypto coins Binance has to offer – including deposit addresses.

How to buy Ripple on Coinbase

To buy Ripple with Coinbase, you will definitely need either credit or debit cards, or even use wire transfers (and not credit cards from new accounts).

Buying altcoins such as Ripple (XRP) used to be difficult. Thanks to the massive buying demand, fiat exchanges such as Coinbase have decided to add Ripple to their exchange alongside other cryptocurrencies they have in their sales portfolio.

To get started, create an account on Coinbase. They may ask for some personal information for verification purposes.

Once an account is set up, link a payment method, and go to the buy tab. From here, you can purchase Ripple for US Dollars.

Coinbase banned the use of credit cards for purchasing cryptocurrency, but bank accounts and debit cards are still supported.

In order to have the lowest fees, it’s recommended to use a bank account to purchase Ripple on Coinbase.

How to buy ripple XRP with PayPal

In order to purchase Ripple with Paypal, you need to first purchase Bitcoin with PayPal balance.

After that, you can send the purchased Bitcoin to an above-mentioned exchange like Binance, or a cryptocurrency exchange aggregator like that of CoinSwitch, where Ripple can be traded for Bitcoin.

How to buy ripple with credit card without verification

Do you know that it is possible to buy Ripple (XRP) cryptocurrency with credit card anonymously – that is, no verification needed?

Well, it is quite possible on a platform i found out recently!

CoinSwitch is an aggregator site that brings almost every exchange platform in one place for you to make choice according to the price of your desired coins on different trading websites.

Visit CoinSwitch

What is best place to buy ripple?

Personally, i only use either; Changelly or CoinSwitch to buy most of my cryptocurrency investments online, and the best rate in the crypto coin market.

Honestly talking about the best place to buy ripple, I would suggest you goto CoinSwitch, as it is not an exchange, but an aggregator that bring the prices of the desired crypto coin in one place.

Best exchange to buy ripple

Ripple (XRP) cryptocurrency is sold on the exchanges like; Binance,, Changelly, and CoinSwitch. Out of all of them, Binance seem to be the best option, if you intend buying and trading Ripple for other Altcoins.

And due to trading fees and highest trading volume, Binance has all it takes for a professional crypto investor to make good trade for profit.

How to secure Ripple cryptocurrency

I normally don’t recommend leaving your cryptocurrency investment on an exchange platform – even if it is the one you bought them from.

This is due to the fact that you don’t actually control the private key for your coins, and therefore, you don’t really have control over it.

No matter where you got the coins from, remember to withdraw them into your own non-custodial Ripple wallet (i.e. a wallet you have access to the private key).

Once the transaction is confirmed, you’ve successfully finished the process of buying Ripple.

I always recommend Ledger Nano X as it is one of the most secure hardware wallets out there, but should incase you don’t really have much funds to investment in buying hardware wallets, you can also check few other options.

Is Ripple (XRP) a good investment?

Ripple will probably appeal to larger banks throughout the next couple years, as they offer a fast scalable global payment network while reducing transaction fees.

XRP has the potential to earn huge returns on investment, but only if Ripple (XRP) keeps making headway throughout banking sectors (and that’s a big if).

About the 'Staunch

Henry is the founder of Crypto Staunch. He studied accounting and finance at Godfrey Okoye University, but became a Cryptopreneur to pursue his interest in learning digital currency and asset investment. Since 2018, Henry Kings has writing about Crypto, DeFi & NFT to help other people get started in the space. His publications has been featured in Binance Square, Digest Africa, Tech Economy, International Business Times, CoinDesk and many other top Crypto media outlets.

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Binance Exchange

Reliable crypto exchange by a developer known as Changpeng Zhao, who's now retired as CEO.

Ledger Nano X

Ledger released Nano X hardware wallet in 2019 to help crypto enthusiasts secure their digital asset.

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About The 'Staunch

Henry is the founder of Crypto Staunch. He studied accounting and finance at Godfrey Okoye University, but became a Cryptopreneur to pursue his interest in learning digital currency and asset investment. Since 2018, Henry Kings has writing about Crypto, DeFi & NFT to help other people get started in the space. His publications has been featured in Binance Square, Digest Africa, Tech Economy, International Business Times, CoinDesk and many other top Crypto media outlets.