Purchasing XRP (Ripple) through Trust Wallet is a seamless process designed for both beginners and experienced users. As a non-custodial mobile wallet, Trust Wallet enables you to securely store, manage, and directly buy cryptocurrencies like XRP using fiat currencies such as USD, EUR, or INR. The app integrates with trusted third-party payment providers like MoonPay and Simplex, allowing users to acquire XRP without needing to first purchase another cryptocurrency.
This guide walks you through the entire process of buying XRP in Trust Wallet—from setting up your wallet and completing identity verification to receiving your tokens. We’ll also explore alternative ways to cash out and evaluate whether this method suits your investment needs.
Key Takeaways
- Trust Wallet is a secure, user-controlled crypto wallet ideal for managing digital assets.
- You can buy XRP directly with fiat via integrated services like MoonPay or Simplex.
- No additional fees are charged by Trust Wallet—costs come solely from third-party providers.
- Identity verification (KYC) is required and typically a one-time process.
- XRP transactions are fast, usually arriving within minutes after payment confirmation.
How to Buy XRP Directly with Fiat in Trust Wallet
Buying XRP using fiat currency through Trust Wallet involves just a few straightforward steps. Here's how it works:
Step 1: Install and Set Up Trust Wallet
Begin by downloading the official Trust Wallet app from the App Store (iOS) or Google Play Store (Android). Once installed, open the app and select "Create a New Wallet."
You’ll be prompted to set a six-digit passcode. For added convenience, you can enable biometric authentication (fingerprint or face recognition), provided your device supports it.
👉 Get started securely with a trusted crypto platform today.
After setting your passcode, you’ll reach the home screen. At this point, do not proceed to buy crypto yet—first, secure your wallet.
Step 2: Back Up Your Wallet for Security
Security is critical when dealing with cryptocurrencies. Trust Wallet gives you two backup options:
- Google Drive Backup: Encrypts and stores your 12-word recovery phrase on your Google account. You must remember the encryption password—losing it means losing access to your funds.
- Manual Backup: Displays your 12-word recovery phrase on-screen. Write it down carefully and store it offline in a secure location.
⚠️ Important: Never share your recovery phrase with anyone. Trust Wallet cannot recover it for you.
Once backed up, return to the home screen.
Step 3: Navigate to the “Buy” Feature
Tap on “Buy Crypto” from the dashboard. Enter the amount of XRP you'd like to purchase or specify a fiat amount (e.g., $100). Then, search for XRP in the list of available cryptocurrencies.
Note: The XRP Ledger requires a minimum reserve of 1 XRP to activate a new wallet address. Ensure your purchase meets or exceeds this threshold.
Step 4: Select a Payment Provider
Trust Wallet will display available third-party providers such as MoonPay or Simplex, each showing their exchange rate, fees, and supported payment methods.
Compare options based on:
- Transaction fees (typically 2–5%)
- Supported payment types
- Processing speed
Choose the provider that best fits your needs.
Step 5: Complete KYC and Payment
After selecting a provider, you’ll be redirected to their secure portal. First-time buyers must complete Know Your Customer (KYC) verification by submitting:
- Full name
- Date of birth
- Government-issued ID (passport or driver’s license)
- Selfie (for identity matching)
Then, enter your payment details—credit/debit card, Apple Pay, or bank transfer, depending on availability.
Review the total cost, including service and network fees, before confirming the transaction.
Step 6: Receive Your XRP
Once payment clears, XRP is sent directly to your Trust Wallet. Most transactions complete within 5–15 minutes, though first-time KYC checks may take slightly longer.
Your newly purchased XRP will appear under your asset list in the app.
Can You Sell or Cash Out XRP from Trust Wallet?
Currently, Trust Wallet does not support direct fiat withdrawals. However, there are two reliable ways to convert XRP into cash:
Option 1: Transfer to a Cryptocurrency Exchange
Send your XRP from Trust Wallet to a centralized exchange like Binance, Kraken, or Coinbase. There, you can:
- Sell XRP for USD, EUR, or other fiat
- Withdraw funds to your linked bank account
Always double-check the destination tag when sending XRP—it’s essential for successful delivery.
👉 Explore secure platforms where you can trade XRP for fiat easily.
Option 2: Use Off-Ramp Services
Some providers, such as MoonPay, offer off-ramp functionality. This allows you to:
- Sell XRP directly through the provider
- Receive fiat in your bank account or on your card
These services streamline cash-out processes but may involve additional fees.
Is Buying XRP on Trust Wallet Right for You?
Buying XRP via Trust Wallet is ideal if:
- You're new to crypto and want a simple entry point
- You value security and full control over your private keys
- You need small amounts of XRP for transactions or experimentation
However, frequent traders may find better rates on exchanges due to lower fees. Additionally, while XRP has overcome major regulatory hurdles—especially following favorable court rulings in its SEC case—market volatility remains a factor.
Always conduct thorough research and only invest what you can afford to lose.
Frequently Asked Questions
Can I buy XRP directly on Trust Wallet?
Yes. Trust Wallet partners with third-party providers to allow direct fiat purchases of XRP. Simply use the “Buy” function in the app, select XRP, choose a provider, and complete the transaction.
Is it safe to buy XRP on Trust Wallet?
Yes, provided you follow security best practices. Since Trust Wallet is non-custodial, you retain full control of your funds. Always download the official app, back up your recovery phrase securely, and never disclose sensitive information.
What is the minimum amount of XRP I can buy?
Minimums vary by provider but generally range from $20 to $50. The app will alert you if your amount is too low. Due to fixed fees, smaller purchases may not be cost-effective.
What fees are involved in buying XRP?
Trust Wallet does not charge purchase fees. Third-party providers typically apply 3%–5% service fees plus possible flat charges (e.g., $3–$5). These are shown upfront before confirmation.
Which payment methods are supported?
Most providers accept:
- Credit and debit cards
- Apple Pay and Google Pay
- Bank transfers (region-dependent)
Cards offer faster processing; bank transfers may have lower fees but take longer.
Do I need to complete KYC?
Yes. Regulatory requirements mandate identity verification for fiat-to-crypto purchases. KYC is usually a one-time process—once approved, future buys are faster and smoother.
How long does it take to receive XRP after purchase?
Typically within minutes. The XRP Ledger processes transactions rapidly (within seconds). Delays usually stem from initial KYC verification or payment processing times.
👉 Maximize your crypto experience with a leading global exchange.
By following this guide, you now have a clear understanding of how to safely and efficiently buy XRP using Trust Wallet. Whether you're entering the crypto space for the first time or expanding your portfolio, this method offers convenience without compromising control.