if you’re using a stable coin the easiest way is probably changelly IMHO.
I don’t recommend using card or bank account on there, fees are horrendous.
But you set up the transaction on changejelly, say for 5000 USDC into XRP And then put in the address wallet you would like the XRP deposited in… I recommend Exodus or bifrost wallets. Really it’s pretty simple. Changelly is Powered by uphold but I think it has better rates than uphold personally.
Coin tiger the Korean exchange also has a Tether/USDC Trading Pair. I’m not sure what country you’re in guessing US since XRP is unavailable for you,…,….but I use a VPN so I don’t know if you can use Coin tiger without a VPN in the US? Last time I tried on changelly two weeks ago you could still use changelly without one.
GLTY