How to Buy XRP on Fidelity

Fidelity doesn't sell XRP directly, but there are easy workarounds. Here's how Fidelity customers can buy XRP today.

XRP Price
$--
+0.00%

⚡ TL;DR

Fidelity does not offer XRP trading. Your best options: Use Coinbase or Kraken to buy XRP directly, or wait for an XRP ETF to be approved (expected 2025-2026).

← Back to all exchanges
Some links on this page are affiliate links. We may earn a commission at no extra cost to you.

Why Fidelity Doesn't Sell XRP

Fidelity's Crypto Strategy

Fidelity Investments is one of the world's largest asset managers ($4.5 trillion AUM), but they've taken a conservative approach to cryptocurrency:

  • Fidelity Crypto only supports Bitcoin (BTC) and Ethereum (ETH)
  • They focus on assets with clear regulatory status and institutional demand
  • Fidelity manages the FBTC Bitcoin ETF (one of the largest spot Bitcoin ETFs)
  • XRP's past SEC lawsuit made traditional brokers hesitant to list it

Will Fidelity Add XRP?

Fidelity may add XRP in the future, especially if:

  • An XRP spot ETF gets approved (multiple applications pending)
  • Regulatory clarity continues to improve after Ripple's court victories
  • Institutional demand increases (XRP is already #4-5 by market cap)

Until then, you'll need to use a dedicated crypto exchange to buy XRP.

Fidelity vs Crypto Exchanges

Feature Fidelity Coinbase Kraken
Buy XRP ✗ No ✓ Yes ✓ Yes
Buy Bitcoin ✓ Yes ✓ Yes ✓ Yes
Buy Ethereum ✓ Yes ✓ Yes ✓ Yes
XRP ETF ⏳ When approved N/A N/A
Trading Fees 1% spread 0.5-1.5% 0.16-0.26%
Withdraw to Wallet ✓ BTC/ETH only ✓ All crypto ✓ All crypto
FDIC Insured (Cash) ✓ Yes ✓ Yes ✗ No
Stocks & ETFs ✓ Yes ✗ No ✗ No

How to Buy XRP as a Fidelity Customer

1

Open a Crypto Exchange Account

Sign up for Coinbase (easiest) or Kraken (lowest fees). Verification takes 5-10 minutes with a driver's license.

2

Link Your Bank Account

Connect the same bank account you use with Fidelity. This enables free ACH transfers. Alternatively, use a debit card for instant (but higher fee) deposits.

3

Deposit Funds

Transfer USD via ACH (free, 1-3 days) or wire transfer (instant, ~$25 fee). You can also sell investments in Fidelity, withdraw to your bank, then deposit to the exchange.

4

Buy XRP

Search for "XRP" on the exchange, enter the amount you want to buy, and confirm. Your XRP appears in your account instantly.

5

Optional: Self-Custody

For long-term holding, consider transferring XRP to a hardware wallet (Ledger) or software wallet (Xumm/Xaman). This gives you full control of your assets.

Best Exchanges for Fidelity Customers

Coinbase
Most Trusted
Fees: 0.5-1.5% Min: $2
Why Fidelity users like it: Similar UX to traditional brokerages, publicly traded (COIN), insured USD balances, instant bank verification.
Buy XRP on Coinbase →
Kraken
Lowest Fees
Fees: 0.16-0.26% Min: $10
Why Fidelity users like it: Professional trading interface, lowest fees for serious investors, strong security track record, wire transfers available.
Buy XRP on Kraken →
Uphold
Instant Buy
Fees: 0.8-1.2% Min: $1
Why Fidelity users like it: Buy XRP instantly with debit card, simple interface, ability to trade between asset classes (crypto, metals, fiat).
Buy XRP on Uphold →

🔜 XRP ETF Coming to Fidelity?

Multiple asset managers have filed for XRP spot ETFs with the SEC. Once approved, you'll be able to buy XRP exposure directly in your Fidelity brokerage account, just like you can buy Bitcoin ETFs (FBTC, IBIT) today.

Expected timeline: SEC decisions on XRP ETF applications are anticipated in 2025-2026. Fidelity would likely offer any approved XRP ETF on their platform.

Learn more about XRP ETF options →

Frequently Asked Questions

Can I buy XRP on Fidelity?
No, Fidelity does not currently support XRP trading. Fidelity Crypto only offers Bitcoin and Ethereum. To buy XRP, use a crypto exchange like Coinbase or Kraken.
Why doesn't Fidelity sell XRP?
Fidelity has taken a conservative approach to crypto, focusing on assets with clear regulatory status (BTC, ETH). The 2020-2023 SEC lawsuit against Ripple made traditional brokers hesitant to list XRP, though that lawsuit has largely been resolved in Ripple's favor.
Is there an XRP ETF I can buy on Fidelity?
Not yet. Multiple XRP ETF applications are pending SEC approval. Once approved (expected 2025-2026), you'll be able to buy XRP ETF shares on Fidelity just like stock.
Can I transfer Bitcoin from Fidelity to buy XRP?
Yes, but it's not the cheapest method. You could: 1) Buy BTC on Fidelity Crypto, 2) Withdraw to Coinbase/Kraken, 3) Swap BTC for XRP. However, you'll pay fees twice. It's usually cheaper to deposit USD directly to the exchange.
What's the best alternative to buying XRP on Fidelity?
Coinbase is the closest experience to Fidelity - it's publicly traded, FDIC-insured USD balances, and has a familiar brokerage-style interface. Kraken is better if you want the lowest trading fees.
Not financial advice. Cryptocurrency is volatile. Fidelity is a registered trademark of FMR LLC. This site is not affiliated with Fidelity Investments. We may earn commissions from referrals.