Buy XRP With PayPal Only in 5 Steps | Guide 2025

Ripple’s (XRP) journey has been a rollercoaster. Since the SEC’s $125 million lawsuit against Ripple, institutions couldn’t touch XRP for years. However, the situation has finally changed. The XRP settlement happened in August 2025. It showed that the asset could be trusted. 

If the regulatory path is cleared, you still need to find the best way to obtain XRP. Access is key in the crypto world. You can use ACH transfers in the US and PayPal in many countries worldwide that are supported. The trend is shifting towards faster transactions with quicker and more secure verification. 

Some platforms, such as Paybis, allow users to buy XRP with PayPal. You can choose where the crypto goes — to your private wallet, or stays on the platform’s wallet till you need it. Today, you will learn the step-by-step process of purchasing Ripple with PayPal. 

Pros and Cons of Buying XRP With PayPal

Before proceeding to buy XRP with PayPal, you need to weigh the advantages and disadvantages of this process. Here is what to consider:

PayPal makes it frictionless and trustworthy. If those advantages overpower the cons, you might want to use Paybis to buy XRP with PayPal.

How to Buy XRP With PayPal

With this step-by-step legal XRP purchasing procedure, you can use PayPal to buy crypto. Here’s how it goes with Paybis: 

1. Create An Account And Verify Your Identity

Account creation and verification take minutes. It’s a foundational step for any legit crypto purchase. To complete this step, you have to sign up on platforms like Paybis when it states that they support exchanging XRP with PayPal. 

After registration, you will need to complete the KYC procedure. The platform will check if you are a real person with valid identification documents (ID). You will need to upload a government-issued ID, such as a passport or driver’s license. You will also need to verify your identity with a selfie or a face video recording. 

The registration step isn’t just bureaucracy. It’s a crucial security step for anti-money laundering. It protects you by ensuring the platform is legitimate and your money is protected.

2. Choose PayPal As Your Payment Method

By the second step, you should choose to buy XRP with PayPal. You should click on the exchange, pick “XRP,” and select “PayPal” as the payment method. This step connects the purchase to your PayPal account. You can use your PayPal balance or a card you linked to your account to conduct payments securely. 

3. Enter The Amount Of XRP

The third step is about the money. You will be provided with two fields next to the XRP and payment method selectors. To know how much you will pay with your PayPal account, you should enter the amount of XRP you want to receive in the open field. 

Platforms like Paybis offer users live exchange rates. It means that you will see the most current exchange rate for the swap pair you’ve selected. The end price will include all the platform processing fees. With Paybis, you won’t pay any unexpected costs, even if the rates start to change after you press “Confirm.”

4. Confirm The Transaction And Complete Payment

Before you press the “Confirm” button, you need to review everything one more time. You should double-check the XRP account, fees, how much you will pay overall, and your wallet address. After that, you can click “Buy XRP.”

5. Receive XRP In Your Wallet

Your transaction will go through the exchange processing. After the platform confirms your transaction, you can enter your wallet and wait till the crypto arrives. The whole process might take from a couple of minutes to 30 minutes. If you don’t own an XRP wallet, Paybis will provide you with a free Ripple wallet.

XRP Investment Potential

To understand if XRP is a good investment, you need to understand its core idea. It’s a different coin from Bitcoin. While BTC is about storing value, XRP was designed to show speed and efficiency in global payments. It’s more like infrastructure and bridge currency. Unlike the Swift system, XRP allows banks to move money across borders securely in seconds. 

Ready to Buy XRP With PayPal?FAQs

Is XRP worth buying?

In 2025, the forecast for XRP is all over the place. It’s uncertain if XRP will end the year on a high note. The bullish analysts, such as Pricepredictions, project that XRP will make a comeback and rise to $4.46 per token. You have to analyze the market and decide for yourself whether XRP is worth your funds. 

Where will XRP be in 5 years?

XRP might be a better investment for those who are in for the long-term game. By 2030, cryptocurrencies might see mass adoption, which can positively influence the XRP price. Experts at Cryptopredictions believe one XRP token will be worth $7.58 in 2030. According to Coinpedia, the XRP price will reach $26.5 per token by 2030.

Is XRP a good 5-year investment?

Assuming XRP Ledger will become a major highway for central banks to settle transactions globally, XRP might be a good investment. However, you should always do your research before you invest in any asset. 

How high can XRP realistically go?

For XRP to reach a price of $1,000 per token, it won’t be possible, given its over 60 billion supply. The most realistic positive prediction is by Coincodex. They forecast a price of $8.38 per token by 2030. 

Could XRP be the next Bitcoin?

The idea that XRP might become the next Bitcoin is a fundamental misunderstanding. Those are two different projects. One is about speed and global money transfer efficiency. The other is digital gold that is suited for storing value.