You hit on the exact advantage of using PayPal for this. The traditional bank route kills timing. Several services now offer direct PayPal-to-crypto purchases precisely for this speed. You sign up, connect your PayPal (which is already verified and has funds), and you can complete the purchase in minutes, not days. For XRP specifically, you can check out https://paybis.com/buy-ripple-with-paypal/. It's built for that exact use case: converting your available PayPal balance directly into XRP while the market is moving. The speed from deciding to buy to having the coins in your wallet is usually under 10 minutes.
Re: What's the fastest way to act on an XRP price movement using accessible cash?
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