How to buy XRP?
Buy XRP on Bielik, a Polish crypto platform. Simple and transparent – with low fees and instant execution.
What is XRP?
XRP is the native asset of the XRP Ledger (XRPL) – a decentralised, open-source ledger designed for fast, low-cost value transfers, including cross-border payments and exchange between assets.
The XRPL uses neither mining nor staking. Validators reach agreement in consensus rounds based on lists of trusted nodes (Unique Node List, UNL). A ledger version is final once at least 80% of trusted validators agree – which happens roughly every 3–5 seconds.
The ledger has a built-in decentralised exchange (DEX), automated market maker (AMM) functions and escrow, i.e. locking funds until a set point in time.
What is XRP used for?
Fees and spam protection
Every transaction burns a small amount of XRP (a base of 0.00001 XRP). This protects the network against floods of spam transactions.
Account reserve
Every account must keep a reserve: 1 XRP plus 0.2 XRP for each object it owns, such as an offer, escrow or trust line.
Bridge asset
XRP can act as an intermediary in payments between currencies and is the base liquidity asset on the XRPL’s built-in exchange.
Holder rights
XRP does not grant ownership, profit participation or claims against Ripple Labs or other entities.
XRP supply
All 100 billion XRP were created at network launch – no new XRP can be issued, and every transaction permanently burns a small amount. Since 2017 part of the supply has been managed through escrow: a total of 55 billion XRP, of which up to 1 billion can be released each month, with any unused part returned to escrow.
Figures according to Ripple as of 31 July 2025: 35.9 billion XRP in escrow and 4.74 billion XRP in Ripple wallets.
Who created XRP?
Work on the XRP Ledger was started in 2011 by David Schwartz, Jed McCaleb and Arthur Britto. Chris Larsen joined them in 2012, and the network launched in June 2012.
The company most closely associated with XRP is Ripple Labs Inc., based in San Francisco, whose CEO is Brad Garlinghouse and CTO David Schwartz. The XRP Ledger Foundation in Paris is also involved in its development.
History of XRP
Work begins on the XRP Ledger.
XRP Ledger network launch.
The company adopts the name Ripple Labs Inc.
Ripple places 55 billion XRP in escrow.
The XRP Ledger Foundation is established.
Publication of the MiCA white paper for Crypto Risk Metrics GmbH (XRP).
Buy XRP in 3 steps
Create an account
All you need is an account to check the price and buy XRP.
Top up your wallet
Use the available payment methods and follow the price of XRP and other cryptocurrencies in real time.
Invest
Buy XRP and other cryptocurrencies with low transaction fees and instant execution.
Available payment methods
More methods coming soonBank transfer
Top up your account with a standard transfer from your bank.
- No additional fees
- A safe, proven method
Payment card
Instant transactions and immediate crediting of funds.
Mobile payments
Convenient payments you can complete in seconds.
Frequently asked questions
How much does XRP cost?
Check the current XRP price in the Bielik app.
How do I pay for XRP?
You can currently top up your account by bank transfer. Card payments (Visa, Mastercard) as well as BLIK, Apple Pay and Google Pay are coming soon.
Where can I find the XRP white paper?
You can find the link to the MiCA white paper on the website of our partner BitGo, which lists white papers from the ESMA register. The document was prepared by Crypto Risk Metrics GmbH – look for “Crypto Risk Metrics GmbH” on the list. Go to the white paper list
Are XRP and Ripple the same thing?
No. XRP is the digital asset of the XRP Ledger, while Ripple Labs is the company most closely associated with it, which holds part of the XRP supply. The XRPL itself is open and decentralised.
Have questions?
Our team will be happy to help you buy XRP and other cryptocurrencies.
The information on this page is based on the MiCA white paper for XRP (Crypto Risk Metrics GmbH, 2026), available via the BitGo white paper list. This content is for information purposes only and does not constitute investment advice.