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So you want figure out how to buy Ripple (XRP) without opening another account, huh? Well, you could get people to send you Ripple to a wallet (such as Toast or the like) in exchange for goods or services, but if you don’t have any goods or services to sell, you will have to find another way. Luckily, there are several ways to do this. However, until Coinbase adds XRP, you are going to have to open at least one other account.
Option 1: Join Kraken, Bitstamp, Gatehub, or Bittrex
These are all exchanges with similarities to Coinbase, but they all seem to require a lot of personal information for signup and we have seen the account verification process take up to two weeks for some of them. However, once it does go through, you can deposit money (USD) directly into the account and buy XRP on the exchange. (Note: on Kraken, you must first buy XBT and then use that to buy XRP.)
Option 2: Open an account on Binance and then send your Coinbase coins (BTC or ETH) there.
For Coinbase users who don’t want to put more actual cash into cryptocurrencies, this is the easiest option. Also, doing this will allow you to get your hands on XRP or (other ALT coins not currently traded on Coinbase) today. The one, obvious drawback is that you can’t purchase XRP (or anything else) with USD on Binance. But, what you can do, once you set up your Binance account, is send either Bitcoin or Ethereum from your Coinbase account to Binance and buy XRP with ETH or BTC. This way you aren’t forced to link your credit card or bank to another exchange and you can use your existing coins to fund your purchase of Ripple.
It sounds a lot harder than it is to buy XRP, but it took me all of five minutes to figure this out. And if you need to see it done, step-by-step, this guy actually does a fairly good job of explaining it.