Can You Buy XRP on Fidelity? Not Directly, Here’s How (Full Tutorial)

Fidelity offers direct trading for a limited selection of cryptocurrencies through Fidelity Crypto.

The platform also provides access to crypto-related investment products through its brokerage accounts.

XRP is not currently included among the cryptocurrencies available for direct trading on Fidelity Crypto.

Is XRP Available on Fidelity?

No, XRP is not currently available for direct buying or selling through Fidelity Crypto.

So, you cannot buy XRP directly on any Fidelity platform today.

Fidelity explicitly limits crypto offerings to a handful of assets, none being XRP.

How to Buy XRP Through Fidelity?

Since direct purchase on Fidelity is impossible, U.S. investors must use alternatives. Below are compliant workarounds using Fidelity-linked services:

• You can buy an XRP ETF through your Fidelity brokerage account, or
• You can transfer money from Fidelity to a crypto exchange and purchase XRP itself.

Option 1: Buy an XRP ETF Through Fidelity

You can use your existing Fidelity brokerage account and buy an XRP ETF much like you would buy a stock.

Step 1: Log in to Fidelity

Go to your Fidelity account and sign in.

You’ll want to use a brokerage account that allows you to trade ETFs. Its crypto ETPs can be held through eligible brokerage and certain tax-advantaged accounts.

Step 2: Search for the XRP ETF

Once you’re logged in, select Trade and search for the ticker of the XRP ETF you want to purchase.

For example:

XRPZ — Franklin XRP ETF

Step 3: Select how much you want to invest

If you’re new to cryptocurrency, you may want to start with an amount you’re comfortable seeing fluctuate significantly.

XRP and other crypto-related investments can experience large price swings.

Step 4: Place your order

Enter the ETF ticker, choose Buy, and enter the number of shares you want.

You’ll typically have the choice between:

• Market order: You buy at the best available price when your order executes.
• Limit order: You specify the maximum price you’re willing to pay.

Step 5: Review and submit

Before you click the final confirmation button, review:

• The ETF ticker
• Number of shares
• Estimated purchase price
• Order type
• Any applicable fees or expenses

If everything looks right, you can submit your order.

Once the trade executes, you’ll see the ETF in your Fidelity portfolio.

Option 2: Buy Actual XRP Using Money From Fidelity

If you want to actually own XRP, you’ll need to use a crypto exchange that supports XRP.

The basic process is:

Fidelity → Your bank → Crypto exchange → XRP

Step 1: Choose a crypto exchange

First, you’ll need an exchange that:

• Serves customers in your state
• Supports XRP
• Allows USD deposits
• Allows XRP withdrawals if you eventually want to move your XRP to your own wallet

Step 2: Create your exchange account

After choosing an exchange, you need to create your account.

You’ll generally need to provide identification information and complete the exchange’s identity-verification process.

This may take anywhere from a few minutes to several days, depending on the exchange and your circumstances.

Step 3: Move your money from Fidelity

If your money is currently sitting in Fidelity, you’ll need to get the USD into the account you’ll use to fund the exchange.

A straightforward setup is:

Fidelity → Your bank account → Crypto exchange

Step 4: Deposit USD into the exchange

Once your bank account is connected to the exchange:

1. Select Deposit or Add funds.
2. Choose USD.
3. Select the available bank-transfer method, such as ACH.
4. Enter the amount you want to deposit.
5. Review the details.
6. Confirm the transfer.

Step 5: Find XRP

Once your USD is available for trading, search for XRP.

Step 6: Choose your order type

You’ll generally have two main choices.

• Market order: Buy XRP immediately at the best available market price.
• Limit order: Specify the price you’re willing to pay.

Step 7: Enter your purchase amount

Enter the amount you want to use, review the estimated XRP you’ll receive, and look carefully at the trading fee.

If everything looks correct, submit your order.

Fidelity Alternatives for Investing in XRP

Below is a comparison of major platforms where U.S. investors can acquire XRP.

exchange comparison

Coinbase / Coinbase Pro

• Fees (Maker/Taker)
  ~0.00–0.40% maker / 0.04–0.60% taker on Exchange (One-Click buys ~1.49–4.99%)
• Deposit Methods
  Fiat: ACH (free), wire ($10–$25), PayPal (sell only for some); Crypto: many coins accepted via transfer
• US Availability & IRA
  Available in 100+ countries incl. US. No direct crypto IRA (Fidelity Brokerage can buy Coinbase BTC/ETH funds, not for IRA crypto)
• Custody Type
  Custodial — holds assets for you. Insured USD & limited digital-asset insurance, strong cold storage
• Security Features
  2FA, biometric login, FDIC-insured USD, dedicated insurance for crypto held online

Kraken

• Fees (Maker/Taker)
  ~0.16% maker / 0.26% taker (base tier); USD ACH deposits free, wires possible with fee
• Deposit Methods
  Fiat: ACH (USD, free), SEPA/EU, SWIFT; Crypto: many assets supported
• US Availability & IRA
  Global including US. No specific IRA support; IRA funds can buy futures via K-RA, but no direct crypto IRA
• Custody Type
  Custodial custody
• Security Features
  2FA, global banking trust, third-party audits

Binance.US

• Fees (Maker/Taker)
  0% maker / 0.01% taker on Tier 0 (all users) — low overall
• Deposit Methods
  Fiat: ACH (USD, zero fee), debit/credit (2.5%+); Crypto: extensive coin support
• US Availability & IRA
  US-only, regulated. No crypto IRA; futures not yet available
• Custody Type
  Custodial
• Security Features
  2FA, SIPC-insured USD (up to $250k), published proof-of-reserves

Gemini

• Fees (Maker/Taker)
  ActiveTrader: ~0.20% maker / 0.40% taker (down to ~0.10% at higher tiers). Basic trades cost more
• Deposit Methods
  Fiat: ACH, wire (small fees); Crypto: major coins
• US Availability & IRA
  US & global (60+ countries). Offers an “Earn & Borrow IRA” via Kingdom Trust for BTC/ETH; no direct crypto IRA
• Custody Type
  Custodial (Gemini Trust Company, NY-regulated)
• Security Features
  2FA, FDIC-insured USD, digital-asset insurance, SOC 2 Type 2

Bitstamp

• Fees (Maker/Taker)
  ~0.50% maker/taker at low volumes, falling to 0.0% above $20M USD
• Deposit Methods
  Fiat: bank transfer (ACH/SEPA free), credit/debit (5% fee); Crypto: BTC, ETH, XRP, etc.
• US Availability & IRA
  Global (USD, EUR, GBP). XRP trading not available for U.S. accounts (Bitstamp USA offers only BTC, ETH)
• Custody Type
  Custodial
• Security Features
  2FA, full reserve backing, ISO certifications

eToro

• Fees (Maker/Taker)
  Spread ~1% (no separate commission)
• Deposit Methods
  Fiat: credit/debit cards, PayPal, ACH (US), local bank (non-US); Crypto: many coins
• US Availability & IRA
  Global (US: limited crypto list via partner Curv custody; XRP availability varies by state). No crypto IRA support
• Custody Type
  Custodial (eToro wallet)
• Security Features
  2FA, regulated in multiple jurisdictions, insured custodial solutions

Robinhood Crypto

• Fees (Maker/Taker)
  No trading commissions; incorporates ~1–2% spread
• Deposit Methods
  Fiat: ACH (free), transfer from Robinhood brokerage cash
• US Availability & IRA
  US-only. Supports XRP trading. No crypto IRA (self-directed stock/ETF IRA offered, but no crypto)
• Custody Type
  Custodial (Robinhood holds crypto; external wallet withdrawal not yet supported)
• Security Features
  2FA, SIPC protection on cash, limited crypto insurance

Uphold

• Fees (Maker/Taker)
  Variable (~0.45% on market trades plus spread)
• Deposit Methods
  Fiat: ACH, wire, debit/credit; Crypto: many assets
• US Availability & IRA
  US & global. Supports XRP trading for US customers
• Custody Type
  Custodial, institutional wallets (via BitGo)
• Security Features
  2FA, regulated (NYDFS), maintains 1:1 reserves

Fees, features, and availability change frequently — confirm current terms directly with each platform before depositing funds. Not financial advice.

Notes: All platforms require KYC (ID verification) and have state-by-state restrictions. Deposit/withdrawal limits and fees vary. None of these exchanges directly integrate with Fidelity accounts; transfers must go via bank.

Can You Buy XRP in a Fidelity IRA?

No, not directly.

You cannot currently buy or hold actual XRP directly in a Fidelity Crypto IRA.

If you want XRP exposure in an IRA, you would need to consider an eligible XRP-related investment product available through a regular Fidelity brokerage IRA instead

References:

• https://www.fidelity.com/investing/crypto/crypto-account
• https://coinmarketcap.com/currencies/xrp/