How to Buy XRP Crypto in the US for Free — A Beginner-Friendly 2025 Guide

Written by C, Fiona
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Last updated: 12/03/2025 20:31

Free XRP purchases in the US seem too good to be true, doesn’t it? I mean, it’s debatable.

In cryptocurrency, “free” typically refers to a platform with no trading costs, not a completely free service. Even with the advent of instant-buy buttons, network fees and spreads might be difficult to spot. However, if you follow the correct steps, you can almost buy XRP for free.

Without resorting to a robotic voice, I will provide you with the beginner-friendly processes, realistic expectations, and the role of BTCC in your plan as an employee of the long-running crypto futures exchange BTCC. Purely pragmatic advice.

Why “Free” Is Possible (If You Know Where to Look)

Although US market regulations have tightened following the Ripple vs. SEC drama, XRP is once again fully tradeable on several exchanges approved by the US. Traditional banking institutions still accept ACH transfers, a large number of exchanges still do not charge for ACH deposits, and many P2P markets do not charge for trading.

In a nutshell, yes, there is no platform trading cost to purchase XRP in the United States. Blockchain network fees are low, but you can’t avoid them totally.

We may simplify it by taking it step by step.

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1. The Easiest “Free” Method: ACH → US-Compliant Exchange → XRP

This route is great if you’re looking for something easy, legal, and suitable for beginners.

Asking why ACH?

Deposits made through ACH are often free of charge at US exchanges.

  • Coinbase offers free ACH deposits
  • Kraken offers free ACH via Plaid
  • Binance is another option.U.S. – Free ACH (state availability may vary)

This information is based on official paperwork from Coinbase, which states that ACH deposits are $0.

Steps

1. Register on an exchange that accepts XRP and is governed by US law.

• Kraken • Binance.US • Coinbase
•(Verify your ID requirements and state availability.)

2. Connect ACH to your bank.
It typically takes one to five business days for ACH deposits.

3. Use the Advanced Trade or Limit Order interface to purchase XRP.

Why?

• Instant buys result in larger spreads.
• Limit order results in better price control, typically at a lower cost.

4. Move to your wallet (if you want to).

In comparison to ETH gas fees, XRP network fees are negligible.

Pros

Super easy to use

No deposit fees at all

Cheap trading costs when utilizing limit orders

Regulated

Cons

The ACH processing time is long.

The instant buy buttons may include hidden spreads.

2. Zero-Fee P2P Marketplaces (Great If You Want Instant Settlement)

Many P2P (peer-to-peer) platforms boast that there are no fees associated with using their platform to buy or sell.

Example platforms include:

  • Binance P2P
  • KuCoin P2P
  • ByBit P2P

P2P enables a variety of payment methods, including:

  • Zelle
  • Bank transfers
  • PayPal (provided by seller)

Users of Binance P2P will not be charged a trading fee.

Steps

Open the P2P marketplace and finish the Know Your Customer process.

1. Open the P2P marketplace after completing KYC.

2. USD → XRP filter.

3. Pick a vendor who has a good completion rate.

4. Only make payments after verifying that escrow is operational.

5. Your XRP is released by the seller.


Pros

More payment options than exchanges

Instant settlement

No platform fees

Cons

Avoid communicating off-platform (scam caution)

Prices may include a surcharge

Only deal with trustworthy sellers

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

3. Have USDT or BTC on Hand Already? Consider XRP as an Alternative

By converting, you can sidestep fiat expenses completely if you already possess cryptocurrency.

If you’re not on Ethereum, you should only use on-chain swaps because the gas fees are so high. The best options are to use limit orders to convert USDT to XRP.

Although it is not “free,” this strategy can provide very small spreads when using liquid pairs.

4. Zero-Fee Promotions & Subscription Fee Waivers

On occasion, you may be able to find the following promotions at some exchanges: • Weekends when trading is free • No maker costs for certain pairs • Free subscriptions (trial periods)

For instance, you can trade for free up to certain restrictions on Coinbase One, but you have to pay a subscription fee every month. Excellent for heavy traders, but of little use to novices purchasing $20–$200 lots at a time.

5. The Truth About Withdrawal Fees

Actual blockchain fees cannot be erased by any exchange.
However, the XRP ledger is inexpensive, with fees often just a few cents.

The exchange is typically covering the network fee when you see “zero withdrawal fee” promotions.

Anticipate small yet inevitable expenses.

Step-by-Step Example: The Cheapest Realistic XRP Purchase

Here’s a practical process that many newcomers in the US follow in the year 2025:

Here’s a practical workflow many US rookies follow in 2025:

Step 1: Free ACH Deposit
$100 deposit → no fee → one to five days of waiting.

Step 2: Purchase XRP using a Limit Order
Try to avoid making a quick purchase.

Step 3: (Optional) Transfer XRP to Wallet Network expenses are negligible.

Step 4: Move stablecoins to BTCC for futures trading (optional).

BTCC provides deep liquidity XRP perpetuals if trading XRP is your objective rather than retaining it.

How BTCC Contributes

Buying XRP on the spot is not presently available on the BTCC buy page.

You can see on the page that buying XRP in bulk is currently not an option.

While BTCC does not endorse:

The futures of XRP

Trade long or short with USDT settlement, substantial liquidity, and cheap fees.

Here is the official tutorial: How to Trade Ripple (XRP) Futures on BTCC

USDT Deposits

Gather XRP on the spot market on Coinbase or Kraken → either hold onto XRP or exchange it for USDT → then send USDT to BTCC to trade.

If you’re interested in more than just buying and holding XRP, you may open an account with BTCC and get access to XRP perpetual futures at this link

If you’re a newbie and are looking for a platform with a clean UI, demo trading, low minimum position sizes, and a longer history (since 2011), BTCC is a great choice.

Trade on BTCC Now

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

A Confirmed Cheat Sheet for Fees

Action / Method Typical Cost Source / Context
Verified Source ACH Deposit $0 Coinbase Support Center – Bank transfer, takes 3-5 business days to clear.
Paying with Debit or Credit Card Very High (3%-4%+) Schedules for exchange fees – Instant purchase, but includes a cash-advance-like fee.
Platform Fee for P2P Trading $0 Bitcoin Exchange P2P documentation – Peer-to-peer trades have no platform fee, but price is set by users.
Network Fee for XRP Tiny Specifications of the XRP Ledger – XRP’s native fee is minuscule (a fraction of a cent).
Trading Fee on Coinbase One $0 Sure thing (with a membership) – $29.99/month subscription removes trading fees.

FAQs

Could someone in the US lawfully purchase XRP?

Yes. Reuters stated that XRP is now again widely available on US exchanges following legal clarity from SEC proceedings.


Is Zelle an option to purchase XRP?

When using escrow on reputable peer-to-peer services, the answer is yes.


Is it possible to buy XRP on the spot at BTCC right now?

Not at the moment. BTCC’s spot buy website does not currently have XRP available.
Trading in XRP futures is, nonetheless, an option.

Sources

1.Coinbase – USD ACH Deposit Fees
2.Coinbase – How to Buy XRP
3.Kraken – Buy XRP Guide
4.Binance P2P – Zero Fee Policy

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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