XRP remains one of the most controversial yet high-market-cap cryptocurrencies. Despite criticism from purists who label it "the bankers' crypto," many investors seek ways to buy XRP with PayPal in 2025. With Ripple’s legal victories in the U.S., exchanges have relisted XRP, making it easier to trade—including via PayPal.
Key Considerations Before Buying XRP with PayPal
PayPal’s foray into crypto has been polarizing. While it boosts mainstream adoption, critics cite centralization and limited token support (only BTC, ETH, BCH, and LTC). Notably, XRP isn’t directly purchasable on PayPal—you’ll need a centralized exchange (CEX) that accepts PayPal.
Exchange vs. Direct Purchase
- Pros of CEX: Lower fees, broader asset selection.
- Cons of PayPal: Higher long-term costs, restricted flexibility.
Where to Buy XRP with PayPal?
Here are top CEX platforms supporting PayPal:
| Exchange | Availability | Fees | Highlights |
|----------------|-------------------|--------------------|-------------------------------------|
| AvaTrade | Global (excl. US) | No deposit fees | Regulated, 70B+ monthly volume. |
| OKX | 100+ countries | Competitive | Offers staking, P2P trading. |
| YouHodler | 100+ countries | 10.3% APY on savings | Supports stablecoin staking. |
| Kraken | Global | Transparent | High liquidity, veteran platform. |
👉 Compare exchanges for the best rates.
Step-by-Step Guide to Buying XRP with PayPal
1. Create an Account
Sign up on your chosen CEX (e.g., eToro).
2. Complete KYC Verification
Submit ID and residency proof for compliance.
3. Deposit Funds via PayPal
- Navigate to "Deposit."
- Select PayPal and enter amount (min. $10).
4. Purchase XRP
Search XRP, execute a market or limit order, and confirm.
FAQs
Can I buy XRP directly on PayPal?
No. PayPal only supports BTC, ETH, BCH, and LTC.
Is Binance or Coinbase an option?
- Binance: Doesn’t accept PayPal.
- Coinbase US: Allows PayPal payments.
What’s safer—holding on CEX or a wallet?
For long-term hold, transfer to a hardware wallet (e.g., Ledger).
Conclusion
Buying XRP via PayPal requires a CEX but offers convenience. Prioritize security by moving assets to self-custody wallets for long-term holdings.
👉 Explore XRP trading today!