Make an account and get verified at https://www.coinbase.com/join/5a190ab... or https://www.coinbase.com/ Use debit card (MORE FEES) for instant buys. Use bank account (NO FEES) for 2-8 day ACH transfers Make an account at Binance https://www.binance.com/?ref=11863859 or https://www.binance.com/ Don't have to use the referral link if you don't want of course. Once your money is in coinbase move it to GDAX then buy LTC BTC or ETH. Then transfer it from your GDAX wallet to your Binace wallet. Then buy XRP!!!!