Overview
Ripio is a Latin America rooted platform that has been active for about a decade. It started in Argentina around 2014 and now operates in multiple countries including Mexico, Brazil, Colombia, Chile, the U.S. and Spain. Over time the service expanded from a wallet to a broader ecosystem with trading, payments, a Visa linked card, B2B tools, its own LaChain network and the UXD stablecoin.
What you can do there
The exchange supports roughly 35-50 cryptocurrencies with common order types like market, limit, stop limit and trailing stop. Larger or institutional users can access Ripio Select for deeper liquidity and better pricing if they transact above 5000 USD and provide full documentation. Local bank transfers and P2P rails are available with zero deposit fees in most cases, while withdrawals have small costs. A Ripio Card lets users spend from the wallet with cashback in crypto.
Volume & market shape
Daily volume is modest at a few million dollars. Liquidity is decent in local markets but does not match global leaders. Base fees typically start near 0.25 percent maker and 0.50 percent taker with volume based tiers that can slide to 0 percent maker and 0.10 percent taker for pro users.
Fees & incentives
Pricing follows a simple tier system. Standard maker and taker start above rock bottom competitors, but high volume users can qualify for lower bands via Select. Deposits by local methods are usually free, while withdrawals reflect network or method costs. Card cashback adds a small incentive on daily spending.
Trust & security
Ripio leans on real time Proof of Reserves, SSL, DDoS protection and cold storage that reportedly covers about 95 percent of funds. It pursues local licensing across Latin American markets and Spain. User sentiment is mixed to positive with many notes on usability and some complaints about support or account mix ups.
Strengths
- Strong Latin American footprint with localized payment rails.
- Full stack ecosystem with wallet, card, trading, B2B and DeFi pieces.
- Flexible order types plus institutional options via Ripio Select.
- Security posture with Proof of Reserves and cold storage.
- Localized UX and education for regional users.
Weaknesses
- Spot fees start higher than ultra low cost global venues.
- U.S. availability can be limited or inconsistent.
- Asset list is modest at about 35-50 coins.
- Support can lag for some tickets or account issues.
- No margin, futures or advanced chart overlays.
Ripio snapshot table
| Feature | Strengths | Rough Edges |
|---|---|---|
| Regional reach | LatAm coverage with local rails and card | Not a global liquidity powerhouse |
| Assets & tools | 35-50 coins, multiple order types, LaChain, UXD | No margin or futures |
| Fees & liquidity | Tiered discounts via Select program | Base fees above the cheapest exchanges |
| Security & trust | Proof of Reserves, cold wallets, encryption | Some user reports about support issues |
| User experience | Mobile app, wallet, card, localized UX | U.S. access patchy in some cases |
Final take
Ripio fits real world crypto needs in Latin America with local fiat rails, a working wallet and card, plus a growing ecosystem through LaChain and UXD. It is not built for global scale trading, and fees or coin count can feel modest, yet for regional users who want native services with compliance and trust, it is a solid option.