Top up with an ACH bank transfer
Link a Chase, Bank of America, Wells Fargo, BECU or Umpqua account and fund your XRP in USD. ACH is the cheapest route and usually clears in one to two business days.
Join the XRP wallet list in Washington
Cedar Ripple is an upcoming self-custodial XRP wallet launching first in Washington State. Applying takes under two minutes — no wallet connection, no deposit, no token sale.
Note that cohort one is limited to 1,000 seats across Washington State.
4,120 Washington applications received · 0 seed phrases ever requested
USDXRP
$100
⇅ 41.2 XRP
Illustrative USD rate — buying unlocks after approval.
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Self-custody devices
Funding methods
Once you're approved, these are the ways you'll be able to get XRP into your Cedar Ripple Wallet from anywhere in Washington State.
Buy XRP with a Visa or Mastercard
Approved cohort members can buy XRP inside the wallet with any US-issued Visa or Mastercard, with fees shown in USD before you confirm.
Buy XRP with Apple Pay
Confirm a purchase with Face ID on iPhone. Your card details never touch Cedar Ripple — the payment stays inside Apple's wallet.
Buy XRP with Google Pay
Android users can fund in a couple of taps. XRP lands in your self-custodial wallet as soon as the payment settles.
Fund larger amounts by domestic wire
Send a same-day USD wire from your bank for larger positions, with the deposit credited once your bank releases it.
Move XRP you already hold
Send from an exchange or another wallet straight to your Cedar Ripple address. XRPL settlement takes about four seconds.
Swap into XRP in-app
Trade BTC, ETH, SOL, USDC or USDT into XRP through the built-in XRPL DEX routing, with the rate and spread quoted up front.
How to join the list in Washington State?
- Step 1
Fill in the application below — name, email and your US mobile.
- Step 2
Tell us how you'd use an XRP wallet. Real answers move up the queue.
- Step 3
We review applications in weekly batches, city by city across Washington.
- Step 4
Approved? You get an invite link, a reserved $handle and a beta build.
- Step 5
Set up your wallet on-device, verify your recovery, and start sending XRP.
Why Washingtonians are applying
Self-custodial
Keys are generated and stay on your device. Cedar Ripple never holds, escrows or moves your XRP.
Priced in USD
Balances, fees and swaps quoted in US dollars with live XRP/USD rates.
Simple $handles
Reserve a $handle when approved and send XRP without pasting a 34-character address.
Local compliance
FinCEN-aware onboarding, Washington DFI-conscious practices and support on Pacific Time.
Apply to join
Every application is read by a human here in Washington. Tell us how you'd actually use an XRP wallet and you'll move up the queue.
- Six quick questions — under two minutes.
- Free to apply — no USD deposit or token purchase.
- We never ask for a seed phrase or private key.
- Approved Washington applicants reserve a $handle for life.
FAQ
Is XRP legal in Washington State?
Yes. Crypto assets are legal to buy, hold and sell in Washington. Money transmitters here are supervised by the Washington DFI, and gains are generally taxable — check with the IRS or your CPA.
Who can join the list?
Cohort one is open to people living in Washington State who are 18 or over. Applicants from other US states can apply and will be queued behind Washington.
Does it cost anything to apply?
No. Applying is free, and there is no token sale, presale or USD deposit attached to the list.
Do I need to connect a wallet?
Never. We only ask for a public XRP address, and only if you want your spot tied to it. We will never ask for a seed phrase or private key.
What fees will the wallet charge?
Cedar Ripple is free to hold XRP in. You only pay the XRPL network fee (a fraction of a cent) plus the provider fee on buys, sells and swaps, always shown in USD before you confirm.
When does the wallet ship?
Cohort one gets access during the Washington launch window, with wider US release once invited cohorts have stress-tested the build.
What happens to my application data?
It is used solely to review and contact you about early access, and is handled in line with the Washington My Health My Data Act and US privacy norms. Nothing is sold or shared.