If you hold a Fidelity account and want to add XRP to your portfolio, you have probably already searched every menu and come up empty. You are not alone - it is one of the most common questions from crypto-curious Fidelity customers right now.
⚡ Quick Answer
No, you cannot buy XRP directly on Fidelity as of February 2026. Fidelity Crypto only supports Bitcoin, Ethereum, Litecoin, and Solana. However, you can buy XRP ETFs (like XRPC, GXRP, or XRPZ) through your standard Fidelity brokerage account - or purchase XRP directly on a crypto exchange like Zipmex.
The situation is more nuanced than a simple "no," though. With six SEC-approved XRP ETFs now trading on U.S. exchanges, the Ripple-SEC lawsuit fully resolved in August 2025, and XRP trading at roughly $1.35 per token, there are several paths to get XRP exposure - even through Fidelity itself. Let's walk through every option.
Can You Buy XRP on Fidelity?
The short answer is no - Fidelity does not support direct XRP trading. But the longer answer involves understanding exactly what Fidelity does offer in the crypto space and why XRP is missing from the lineup.
What Crypto Does Fidelity Support?
Fidelity Crypto, powered by Fidelity Digital Assets, lets U.S. customers buy, sell, and transfer a limited set of cryptocurrencies commission-free (with a spread of up to 1%). As of February 2026, Fidelity Crypto supports exactly four tokens:
- Bitcoin (BTC) - supported since March 2023 launch
- Ethereum (ETH) - supported since March 2023 launch
- Litecoin (LTC) - added after initial launch
- Solana (SOL) - added in October 2025
Fidelity also launched three spot crypto ETFs through its brokerage arm - FBTC (Bitcoin), FETH (Ethereum), and FSOL (Solana) - and introduced the Fidelity Digital Dollar (FIDD), its own Ethereum-based stablecoin, in January 2026. XRP is absent from all of these offerings.
For a broader understanding of how digital assets work, our guide on what is cryptocurrency covers the fundamentals.
Why Doesn't Fidelity Offer XRP?
The primary reason was regulatory uncertainty. The SEC filed suit against Ripple Labs in December 2020, alleging that XRP was an unregistered security. Most major U.S. brokerages - Fidelity included - avoided listing XRP during the multi-year litigation.
Although the SEC formally ended its case against Ripple in August 2025 and XRP ETFs have since been approved, Fidelity has not yet added XRP to its direct-trading platform. The company has not publicly announced a timeline for XRP support, but the regulatory cloud that originally blocked it has cleared.
How to Get XRP Exposure Through Fidelity
Even though you cannot buy XRP directly on Fidelity, there is a workaround that many investors overlook: buying XRP ETFs through your existing Fidelity brokerage account.
XRP ETFs Available on Fidelity
Since November 2025, the SEC has approved multiple spot XRP ETFs. These funds hold actual XRP tokens in custody and trade on major stock exchanges - meaning you can buy them through virtually any brokerage account, including Fidelity.
The first U.S. spot XRP ETF - Canary Capital's XRPC - launched on November 13, 2025, and pulled in roughly $250 million in assets on its debut day alone. Since then, five more XRP ETFs have started trading.
XRP ETF Comparison Table
To buy any of these XRP ETFs on Fidelity, simply log in to your brokerage account, search for the ticker symbol (e.g., XRPZ or XRPC), and place a buy order - exactly like purchasing any stock or ETF. No separate crypto account is needed.
If you are curious about where XRP could go from here, check out our XRP price prediction for 2026-2030.
Where to Buy XRP Directly
If you want to own actual XRP tokens - not just ETF shares that track the price - you will need to use a cryptocurrency exchange. Here is how to buy XRP in the US and beyond.
How to Buy XRP in the US
After the SEC dropped its case in August 2025, most major exchanges relisted XRP. The best places to buy XRP directly include dedicated crypto exchanges that offer low fees, strong security, and fast withdrawals.
Create an Account on a Crypto Exchange
Sign up on an exchange that lists XRP, such as Zipmex, Coinbase, Kraken, or Bitstamp. You will need to provide an email, set a password, and verify your identity (KYC) with a government-issued ID.
Deposit Funds
Fund your account using a bank transfer, debit card, or by sending crypto you already own. Most exchanges accept USD deposits directly from a bank account with no fee or a small flat fee.
Search for XRP and Place Your Order
Navigate to the XRP trading pair (XRP/USD or XRP/USDT), enter the amount you want to buy, and confirm your order. You can use a market order for instant execution or a limit order to set your preferred price.
Secure Your XRP
For long-term holding, consider transferring your XRP to a personal wallet (hardware wallet like Ledger, or a software wallet). XRP transactions settle in about 4 seconds with near-zero fees, making transfers quick and cheap.
Popular XRP-available exchanges include Coinbase, Kraken, Robinhood, and Bitstamp. Each has different fee structures, supported payment methods, and regional availability.
If you are new to the crypto space and want to understand how to protect your investment, our guide on how to manage risk in crypto trading is a solid starting point.
⚠ Risk Warning
XRP is a volatile asset. It traded as high as $3.65 in July 2025 and as low as $1.79 in April 2025 - a swing of over 100% in just three months. Only invest what you can afford to lose, and consider dollar-cost averaging rather than buying a lump sum.
XRP Fidelity Investments: The Full Picture
To understand why Fidelity has not added XRP yet, it helps to look at the company's broader crypto strategy and where XRP fits into the evolving landscape.
Fidelity's Growing Crypto Strategy
Fidelity has been one of the most crypto-forward traditional finance firms in the U.S. The company operated as an early Bitcoin miner, launched Fidelity Digital Assets for institutional clients, and was among the first to issue a spot Bitcoin ETF (FBTC) in January 2024. Its Bitcoin and Ethereum ETFs have since accumulated roughly $25 billion in combined assets under management.
In January 2026, Fidelity took another step by launching the Fidelity Digital Dollar (FIDD), an Ethereum-based stablecoin pegged 1:1 to the U.S. dollar. This move signals that Fidelity is deepening its blockchain commitment - not pulling back.
The pattern is clear: Fidelity adds crypto assets methodically. It started with BTC and ETH in 2023, added LTC shortly after, expanded to SOL in October 2025, and launched a stablecoin in early 2026. Given that XRP's regulatory uncertainty has been resolved and six XRP ETFs are already trading, adding direct XRP support would be consistent with Fidelity's trajectory.
🔢 XRP Key Metrics (February 2026)
Current Price
~$1.35
Market Cap
~$81B
Total Supply
100 Billion
All-Time High
$3.84 (Jan 2018)
For more on Ripple's fundamentals and technology, including how XRP Ledger's consensus mechanism works, our dedicated Ripple info page breaks it down.
Direct XRP vs XRP ETFs: Which Is Better?
This is the key decision Fidelity customers face in 2026. Both options give you exposure to XRP's price movements, but they work very differently.
If you already have a Fidelity account and want the simplest path, buying an XRP ETF like XRPZ (lowest fee at 0.19%) is the most convenient option. You get XRP price exposure without managing wallets, private keys, or a separate exchange account.
If you want to actually own and use XRP - send it, transfer it, or hold it in self-custody - you will need to buy XRP directly on a crypto exchange. This also avoids the ongoing expense ratios that ETFs charge.
Want to explore whether XRP could hit higher price levels? Our analysis on can XRP hit $10 examines the market cap math required.
🎯 Key Takeaways
- Fidelity does not support direct XRP purchases - only BTC, ETH, LTC, and SOL are available on Fidelity Crypto.
- You can buy XRP ETFs (XRPZ, XRPC, GXRP, etc.) through your Fidelity brokerage account - no separate crypto account needed.
- For actual XRP token ownership, use a crypto exchange like Zipmex, Coinbase, or Kraken.
- The SEC fully resolved its case against Ripple in August 2025, removing the regulatory barrier that originally kept XRP off Fidelity.
- XRP ETF expense ratios range from 0.19% (XRPZ) to 0.75% (XRPR) - compare fees before buying.
Frequently Asked Questions
Can you buy XRP on Fidelity in 2026?
No, Fidelity does not support direct XRP purchases as of February 2026. Fidelity Crypto only lists Bitcoin, Ethereum, Litecoin, and Solana. However, you can buy XRP ETFs (such as XRPZ or XRPC) through a standard Fidelity brokerage account to get price exposure.
Will Fidelity add XRP in the future?
Fidelity has not announced plans to add XRP, but the trajectory suggests it is possible. The company has steadily expanded its crypto offerings - from two coins in 2023 to four by late 2025 - and the SEC vs Ripple case was fully resolved in August 2025. With regulatory uncertainty gone, adding XRP would be a logical next step.
What is the cheapest XRP ETF?
The Franklin Templeton XRP ETF (XRPZ) has the lowest expense ratio at 0.19%, and its fee is waived entirely through May 31, 2026. The 21Shares XRP ETF (TOXR) is next at 0.30%.
Is it better to buy XRP directly or through an ETF?
It depends on your goals. ETFs are simpler - you buy them in your Fidelity brokerage account like any stock, and they can be held in IRAs for tax advantages. Direct ownership gives you actual XRP tokens that you can transfer, use for payments, or store in self-custody. Direct ownership also avoids the annual expense ratio that ETFs charge. To stay safe while investing, consider reviewing our crypto risk management guide.
Where is the best place to buy XRP?
The best place to buy XRP depends on your needs. For U.S. investors, Coinbase, Kraken, and Robinhood are popular regulated options. Globally, exchanges like Zipmex offer XRP trading with competitive fees and a user-friendly interface. Be cautious of common XRP scams - always use reputable, regulated platforms.
How many XRP ETFs are there?
As of February 2026, there are six SEC-approved spot XRP ETFs trading in the U.S.: XRPZ (Franklin Templeton), TOXR (21Shares), XRP (Bitwise), GXRP (Grayscale), XRPC (Canary Capital), and XRPR (Rex-Osprey). More filings are pending, including from CoinShares and WisdomTree.
Conclusion
While you cannot buy XRP directly on Fidelity today, the options for getting XRP exposure have never been better. Fidelity customers can purchase any of the six approved XRP ETFs through their existing brokerage account - with XRPZ offering the lowest fees and a fee waiver through May 2026. For investors who want to own actual XRP tokens, crypto exchanges offer a straightforward path from fiat to XRP in minutes.
The landscape has shifted dramatically since the SEC resolved its case against Ripple in 2025. XRP is now the fifth-largest cryptocurrency by market cap, with a growing ETF ecosystem and renewed institutional interest. Whether you choose the ETF route through Fidelity or direct ownership through an exchange, the key is to understand the tradeoffs and pick the option that fits your investment strategy.
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Start Trading Now →⚠ Disclaimer: The information provided in this article is not intended to provide investment or financial advice. Investment decisions should be based on the individual's financial needs, objectives, and risk profile. We encourage readers to understand the assets and risks before making any investment entirely. Cryptocurrency investments are subject to high market risk. Past performance does not guarantee future results.
