Crypto.com offers XRP trading, staking rewards, and a Visa debit card that earns crypto back. One of the most feature-rich platforms for XRP holders.
What is Crypto.com?
Crypto.com is a Singapore-based cryptocurrency exchange founded in 2016. With over 100 million users worldwide, it's one of the largest crypto platforms. They're known for their Crypto.com Visa Card, DeFi wallet, and aggressive marketing (including naming rights to the LA arena formerly known as Staples Center).
For XRP buyers, Crypto.com offers competitive fees, the ability to earn interest on holdings, and instant purchases via their mobile app.
6 Steps to Buy XRP on Crypto.com
Download the Crypto.com App
Get the Crypto.com app from the App Store (iOS) or Google Play (Android). The desktop exchange is also available at crypto.com/exchange, but the app is more beginner-friendly.
Create Your Account
Open the app and tap "Sign Up". Enter your email address and create a strong password. Verify your email by clicking the confirmation link. Set up a 6-digit PIN for app access.
Complete KYC Verification
Tap "Verify Identity" and follow the prompts. You'll need to provide:
- Government-issued photo ID (driver's license, passport, or state ID)
- A selfie for facial verification
- Your Social Security Number (for US users)
- Proof of address (some cases)
Add a Payment Method
Go to Accounts → Fiat Wallet → Transfer → Deposit. Choose your preferred funding method:
- ACH Bank Transfer — Free, takes 1-3 business days
- Wire Transfer — $25 fee, same-day for larger amounts
- Debit/Credit Card — 2.99% fee, instant
- PayPal — Available in the US, instant
Deposit USD to Your Fiat Wallet
Once your payment method is linked, deposit USD to your Crypto.com fiat wallet. ACH transfers are initiated from the app — you'll enter the amount and confirm. Your bank will process the transfer.
Buy XRP
Go to the home screen and tap "Buy". Search for "XRP" in the search bar. Enter the USD amount you want to spend (minimum $1). Review the transaction details including any fees, then tap "Buy XRP" to confirm.
Crypto.com Fees for XRP
| Action | Fee | Notes |
|---|---|---|
| Trading (First 30 Days) | 0% | New user promotion |
| Trading (After 30 Days) | 0.4% | Maker & Taker |
| ACH Deposit | Free | 1-3 business days |
| Wire Deposit | $25 | Same day |
| Card Purchase | 2.99% | Instant |
| XRP Withdrawal | 0.25 XRP | ~$0.60 |
| Spread | ~0.5% | Buy/sell difference |
Stake CRO (Crypto.com's native token) to unlock lower trading fees. Staking $4,000+ in CRO drops fees to 0.36%. Plus, you'll earn interest on your CRO stake. Check the current tier requirements in the app.
Crypto.com Features for XRP Holders
Crypto.com Pros & Cons
✓ Pros
- 0% trading fees for first 30 days
- Visa card with crypto cashback
- Earn interest on XRP holdings
- Low $1 minimum purchase
- Free ACH deposits
- 250+ cryptocurrencies
- Strong security & insurance
- PayPal support for US users
✗ Cons
- 2.99% fee for card purchases
- Spread can add ~0.5% to trades
- Best rates require CRO staking
- App can be complex for beginners
- Customer support can be slow
- Withdrawal holds on new accounts
Crypto.com vs Other Exchanges
| Exchange | Trading Fee | Card Purchase | Best For |
|---|---|---|---|
| Crypto.com | 0.4% | 2.99% | Visa card, earning rewards |
| Coinbase | 0.5-1.5% | 3.99% | Beginners, trust |
| Kraken | 0.16-0.26% | N/A | Lowest fees |
| Robinhood | $0 | N/A | Zero-fee trading |
| Uphold | 0.8-1.2% | 3.99% | Simplicity |
Join 100+ million users on one of the world's largest crypto platforms
Download Crypto.com App →🎁 Get $25 bonus when you sign up and stake for a Visa card
How to Earn Interest on XRP
Crypto.com's "Crypto Earn" feature lets you earn passive income on your XRP:
- Go to Accounts → Crypto Earn → Start Earning
- Select XRP from your holdings
- Choose your term: Flexible (withdraw anytime), 1-month, or 3-month lock
- Enter the amount you want to deposit
- Review the APY rate and confirm
Current XRP Earn Rates:
| Term | No CRO Stake | With CRO Stake |
|---|---|---|
| Flexible | 0.5% APY | 1% APY |
| 1-Month Lock | 1.5% APY | 2% APY |
| 3-Month Lock | 2% APY | 3% APY |
*Rates subject to change. Check the app for current rates.
Is Crypto.com Safe?
Crypto.com is considered one of the safest cryptocurrency exchanges:
- 🔒 100% Cold Storage — All user crypto held offline
- 🛡️ $750M Insurance — Protection against theft and hacks
- ✓ SOC 2 Type II Certified — Independent security audit
- 📱 Multi-Factor Authentication — Biometric + PIN + email verification
- 🏛️ Regulated — Licensed in multiple jurisdictions
However, as with any exchange, consider transferring large holdings to a personal hardware wallet like Ledger for maximum security.
Frequently Asked Questions
Yes, XRP is fully available on Crypto.com for US customers in all 50 states. You can buy, sell, trade, and earn interest on XRP.
Trading fees are 0% for the first 30 days, then 0.4% per trade. ACH deposits are free. Card purchases have a 2.99% fee. There's also a ~0.5% spread on buy/sell transactions.
Most verifications complete in 2-10 minutes. Some users may need to wait up to 24 hours, especially during high-demand periods. Make sure your ID photos are clear.
Yes, you can withdraw XRP to any external wallet. Go to Accounts → Crypto Wallet → XRP → Transfer → Withdraw. The withdrawal fee is 0.25 XRP (about $0.60). Enter the destination address and destination tag carefully.
The minimum purchase is $1 USD worth of XRP. There's no maximum, though large purchases may require enhanced verification.
Yes, the Crypto.com Exchange at crypto.com/exchange offers more advanced trading features. However, the mobile app is recommended for beginners and has more features like Crypto Earn and the Visa card.
Sign up for Crypto.com, complete KYC verification, and stake CRO for a Crypto.com Visa card (minimum card tier). The $25 in CRO will be credited after your card stake is confirmed.
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