Activating an account
How to activate a new XRP Ledger account
In order to be able to hold XRP (or any of the 8300+ tokens issued on the XRP Ledger) in an XRPL account, it must first be activated with a minimum of 10 XRP. An account can be activated several ways but regardless of how it is activated, the first 10 XRP deposited into an XRPL account is used to meet the reserve requirements so it will not be spendable.
If you're interested, this video explains how reserves and fees on the XRP Ledger work.
After you create a new account in Xumm, you are presented with the following screen:

Here are four ways you can activate an XRP Ledger account:
If you are in the Netherlands or the United Kingdom. we offer an On/Off-Ramp service to our Xumm Pro users. You can easily buy (and sell) XRP from our On/Off-Ramp xApp to activate an account.
For most people, this fast, convenient and secure service will more than meet their needs so if you are interested in learning more about how it works, check out this article:
If you are not located in the Netherlands or the UK, we have partnered with Banxa, BTCDirect and Guardarian which all offer the option to purchase XRP from various countries around the world.
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Combined, Banxa, BTCDirect and Guardarian offer exchange services to most countries in the world. You can find them by clicking on the above links or in Xumm by pressing the
then selecting the Buy/Sell XRP xApp. (Or just click here: Buy/Sell XRP xApp)

There are several crypto exchanges in the blockchain space where you can purchase XRP using fiat. Some of the bigger players include: