How to Buy XRP in 2025: Step-by-Step Guide, Legal Insights, and Best Practices

How to buy XRP in 2025 is among the top queries from new and experienced cryptocurrency investors. Following the legal clarity gained post the SEC settlement, XRP’s investor sentiment is bullish due to growing ETF anticipations. The token is once again poised as a linchpin for cross-border payment systems. Its adoption is on the rise, especially in Japan, which makes the token a reliable digital asset with utility and long-term prospects.

This XRP purchase guide details the buying process for XRP, including the top platforms, fees, and security measures for long-term storage. This article is for you whether you are a beginner or the cheapest way to buy XRP. It is a secure investment roadmap for 2025.

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Key Takeaways

• Understanding the legal status of XRP is essential when learning how to buy XRP in regulated markets like the U.S. and Japan.
• Using Bitget Wallet is one of the most efficient methods for how to buy XRP securely, with low fees and full asset control.
• This guide breaks down how to buy XRP step by step—from downloading the wallet to placing your order and securing your tokens.
  
  

What is XRP and Why is it Popular in 2025?

XRP is a digital asset that is native to the XRP Ledger (XRPL), which is an open-source, decentralized blockchain that has been built to allow fast and cheap cross-border payments. XRP was created and is issued by Ripple Labs and is often used as a bridge currency in financial transactions. This bridge allows market participants to move liquidity between fiat currencies and digital assets.

• XRP enables international payments with fast transaction times (less than 5 seconds).
• XRP has extremely low transaction costs, often costing less than a penny.
• RippleNet has partnered with banks, payment providers, and remittance services in nearly every country.

Source X

In 2025, XRP is becoming more valuable again because of a number of developments have been achieved. Most importantly the SEC in the United States recognized XRP as a non-security with some regulatory clarification for future secondary markets. New global regulations in the CLARITY and GENIUS Acts show similar support for XRP's future, especially in leading markets like Japan, which will build confidence in participants who are large investors. Additionally, XRP is seeing speculation of being listed to an ETF, which has incentivized retail and institutional demand.

• XRP can now be traded legally in major markets like the U.S. and Japan.
• Regulatory clarity builds confidence among large investors.
• ETF speculation builds market demand in liquidating XRP.

As a result of these developments, XRP has risen to become the third-largest cryptocurrency by market capitalization, even overtaking USDT in trading volume across major exchanges. This makes it a top contender in many investment portfolios and a frequent focus in any XRP purchase guide.

How Does XRP Differ from Ripple (Ripple Labs)?

XRP and Ripple are closely related but fundamentally different. XRP is the native digital token used for transactions on the XRP Ledger, whereas Ripple Labs is the tech company that helped develop the ledger and continues to promote its adoption among financial institutions.

• XRP is a decentralized cryptocurrency.
• Ripple Labs is a centralized company offering payment solutions using XRP.
• XRP can operate independently of Ripple’s business.
• Ripple Labs holds a significant amount of XRP but does not control the network.

This distinction matters for investors understanding the asset's use case and potential risks. XRP functions like any other cryptocurrency and is traded freely across global exchanges, while Ripple Labs focuses on business partnerships and enterprise integrations.

How to Buy XRP Step-by-Step?

Buying XRP in 2025 is easy once you know where to buy and how to complete the transaction securely. Choosing the right platform can ensure you buy XRP safely and take advantage of the best features, especially for Japanese users.

Where Can You Buy XRP?

Many regulated exchanges support XRP trading, but Bitget stands out for its security, liquidity, and user-friendly features. For Japanese investors and others worldwide, the Bitget Wallet offers a powerful alternative to traditional exchanges.

• Bitget Exchange is fully regulated and supports XRP trading with low fees and high liquidity.
• Bitget Wallet is a non-custodial wallet offering cross-chain swaps, OTC trading, and seamless integration with popular payment methods.
• Buying XRP on Bitget Wallet allows greater control and enhanced security compared to centralized exchanges.
• The platform supports buying XRP safely with credit card, Apple Pay, Google Pay, and bank transfers.

Read more: Differences Between Bitget Wallet and Bitget Exchange: A Guide to Choosing the Right Tool

What Are the Steps to Purchase XRP?

Follow these simple steps to buy XRP securely and efficiently:

• Step 1: Download Bitget Wallet, recommended for cross-chain assets, memecoins, and stablecoins.

• Step 2: Complete the KYC process and set up your account.

• Step 3: Deposit funds using JPY, USD, or cryptocurrencies like USDT.

• Step 4: Place a buy order for XRP, choosing between spot trading or OTC options.

  

• Step 5: Transfer your XRP to a secure, non-custodial wallet to maintain full control of your assets.

🔵  Manage your purchased XRP easily with Bitget Wallet - secure, beginner-friendly, and optimized for the evolving crypto market.

What Are the Fees and Costs When Buying XRP?

Understanding the various fees involved when buying XRP is crucial to maximizing your investment returns. Fees can vary widely depending on the platform, payment method, and transaction type.

Most exchanges charge fees based on the spread or maker/taker model:

• Spread: The difference between the buying and selling price of XRP, often built into the trade price.
• Maker Fees: Apply when you add liquidity by placing limit orders that are not immediately filled.
• Taker Fees: Apply when you take liquidity by placing market orders that execute instantly.

In addition to trading fees, consider withdrawal fees and network fees for transferring XRP off the exchange or wallet. These can fluctuate depending on blockchain congestion and the chosen transfer method.       

Fee Type	Typical Japan Exchanges	Bitget Exchange	Bitget Wallet
Maker Fee	0.10% - 0.15%	0.05% - 0.10%	N/A
Taker Fee	0.15% - 0.20%	0.08% - 0.12%	N/A
Deposit Fee	Usually free	Usually free	Depends on payment method
Withdrawal Fee	0.15 - 0.25 XRP	0.10 XRP	Depends on network
Network Fee (XRP Ledger)	Low (~0.00001 XRP)	Low (~0.00001 XRP)	Low (~0.00001 XRP)

Using Bitget Wallet minimizes trading fees since it functions as a non-custodial wallet, though network fees for transferring XRP still apply.

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Is Buying XRP Legal and Safe in 2025?

Buying XRP in 2025 is considered legal and safe in most regulated markets, thanks to recent regulatory developments. The clearer legal framework helps build investor confidence, especially for beginners concerned about compliance and security.

What Are the Current Regulations for XRP?

The legal status of XRP has improved significantly after the SEC settlement in the United States, which clarified that XRP is not classified as a security for secondary market transactions.

• The U.S. SEC settlement resolved longstanding legal uncertainty around XRP.
• Anticipation of XRP ETFs approval is growing, signaling regulatory acceptance.
• Japan recognizes XRP as a legitimate digital asset under its crypto regulations.
• Many global jurisdictions are developing clearer rules for XRP and similar tokens.
• Regulatory clarity boosts beginner trust and encourages broader adoption.

Source: reuters.com

How to Keep Your XRP Secure?

Protecting your XRP is crucial to ensure your investment remains safe from hacks or theft.

• Always enable two-factor authentication (2FA) on your exchange and wallet accounts.
• Use non-custodial wallets like Bitget Wallet, which provide you with full control of private keys.
• Bitget Wallet supports cross-chain asset management, making it versatile and secure.
• Regularly update your wallet software and be cautious with phishing attempts.
  
  

Can You Buy XRP Without KYC or Anonymously?

Buying XRP without completing KYC (Know Your Customer) verification is possible on some platforms, but it carries significant risks and limitations. Non-KYC methods often mean lower limits and higher fees, and they may expose users to fraud or regulatory issues.

• Non-KYC platforms allow anonymous or pseudonymous XRP purchases but with strict limits.
• Risks include lack of consumer protection and higher chances of scams.
• Many reputable exchanges, including Bitget, require KYC for compliance and security.
• “Buy XRP without KYC” methods are less secure and often not recommended for beginners.
  
  

What Are Future Predictions and Expert Insights on XRP?

Experts and institutions remain optimistic about XRP’s future, citing strong market potential driven by cross-border payment solutions and regulatory progress.

• SC Bank forecasts XRP could reach $12.5 by 2028.
• There’s an 85% probability of XRP ETF approval in the near term.
• Market trends favor tokenization of real-world assets (RWA), where XRP plays a key role.
• Increasing adoption in cross-border remittances supports long-term demand.

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Conclusion

How to buy XRP in 2025 involves a clear, secure process suitable for both beginners and experienced investors. XRP remains popular due to its fast transactions, low fees, and growing adoption supported by recent regulatory clarity such as the SEC settlement and favorable laws in Japan.

Choosing the right platform is essential, while the Bitget Wallet offers a non-custodial, cross-chain solution perfect for buying, storing, and trading XRP with full control and ease of use.

With competitive fees, strong security features like two-factor authentication, and user-friendly design, Bitget Wallet is ideal for managing XRP safely. Although some platforms offer XRP purchases without KYC, using trusted wallets ensures better security and compliance.

Looking forward, experts predict XRP’s growth driven by ETF approval prospects and its use in cross-border payments and asset tokenization. This makes XRP a compelling choice for 2025.

📌 Download Bitget Wallet now to buy, store, and trade XRP securely across cross chain, beginner-friendly and optimized for both stablecoins and trending tokens.

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FAQs

Is XRP a good investment in 2025?

XRP offers strong potential due to legal clarity, ETF anticipation, and growing adoption in payments. However, like all crypto, it carries market risks.

Where is the safest place to buy XRP?

Reputable regulated exchanges like Bitget and secure wallets like Bitget Wallet offer safe environments for buying and storing XRP.

Can I store XRP in Bitget Wallet?

Yes, Bitget Wallet is a secure, non-custodial wallet that supports XRP and provides cross-chain management for easy access.

Risk Disclosure

Please be aware that cryptocurrency trading involves high market risk. Bitget Wallet is not responsible for any trading losses incurred. Always perform your own research and trade responsibly.