What are you trying to do? Hold or make a trade? Now I would like to invest too yet I don't have enough funds instead you can try to visit our altcoin discussion because XRP is an altcoin.
Now I'm planning with the Binance. They have a rules if you are not a big time investor exceed up to 2 BTC you does not need to use their KYC.
If you have not completed the identity verification for your account, your withdrawal limit is set to 2 BTC for every 24 hours.
Link :
https://www.binance.com/en/support/articles/115003670492-How-to-Withdraw-from-Binance