XRP Wallets
Choosing the right wallet is essential for keeping your XRP safe. Whether you're a beginner looking for simplicity or an experienced holder wanting maximum security, this guide covers every option for storing XRP, the native token of the XRP Ledger, in 2026.
TL;DR
Here's what you need to know: For most users, Xaman (formerly XUMM) is the best self-custody XRP wallet — it's free, mobile, and built specifically for the XRP Ledger. For maximum security on large holdings, pair it with a Ledger hardware wallet. Remember: XRPL accounts require a 10 XRP base reserve.
XRP Wallets — Everything You Need to Know in 2026
An XRP wallet is software or hardware that stores your private keys — the cryptographic credentials that prove you own your XRP and allow you to send transactions. There are several types of wallets, each with different trade-offs between security and convenience.
Mobile or desktop apps connected to the internet. Examples: Xaman, Trust Wallet. Convenient for daily use, but vulnerable to device compromise. Best for moderate holdings.
Physical devices that store private keys offline. Examples: Ledger Nano S Plus, Ledger Nano X. Highest security for self-custody. Best for large, long-term holdings.
Wallets managed by exchanges like Coinbase or Kraken. You don't control the private keys — the exchange does. Convenient but carries counterparty risk. Best for active trading.
Private keys printed on paper and stored physically. Maximum security from digital attacks, but vulnerable to physical damage/loss. Best for ultra-long-term cold storage.
When you use an exchange wallet, the exchange holds your private keys. If the exchange is hacked, goes bankrupt, or freezes your account, you could lose access to your XRP. Self-custody wallets (software or hardware) give you full control over your keys and your XRP.
XRP Wallet Comparison Table
| Wallet | Type | Platform | XRPL Features | Security | Best For |
|---|---|---|---|---|---|
| Xaman (XUMM) | Software | iOS, Android | Full (DEX, NFTs, AMM) | High | Primary XRP wallet |
| Ledger Nano X | Hardware | USB + Bluetooth | Via Ledger Live | Very High | Large holdings |
| Ledger Nano S Plus | Hardware | USB | Via Ledger Live | Very High | Budget hardware option |
| Trust Wallet | Software | iOS, Android | Basic (send/receive) | Medium-High | Multi-chain users |
| Coinbase | Exchange | Web, Mobile | None (custody only) | Medium | Active traders |
| Kraken | Exchange | Web, Mobile | None (custody only) | Medium | Active traders |
Xaman (Formerly XUMM): The Best XRP Wallet
Xaman is the most popular and feature-rich self-custody wallet built specifically for the XRP Ledger. Developed by XRPL Labs (now part of the broader XRPL ecosystem), Xaman offers full access to every native XRPL feature.
Full XRPL support
Access the native DEX, AMM, NFT marketplace, trust lines, escrow, and more — all from your phone
xApp ecosystem
Built-in app marketplace for interacting with XRPL-based dApps, DeFi protocols, and services
Tangem card integration
Pair with Tangem NFC cards for hardware-level security with the convenience of tap-to-sign
Multi-account support
Manage multiple XRP accounts from a single app, with easy switching between them
Free to use
Xaman is free to download and use. Premium features (Pro subscription) offer enhanced tools for power users
Ledger integration
Connect your Ledger hardware wallet to Xaman for maximum security with full XRPL feature access
- Download Xaman from the App Store (iOS) or Google Play (Android)
- Create a new account — the app will generate a set of "Secret Numbers" (your recovery phrase)
- Write down your Secret Numbers on paper and store them securely. Never screenshot or store digitally.
- Verify your Secret Numbers by entering them back
- Your wallet is ready — but you'll need to send at least 10 XRP to activate the account on the XRPL
Hardware Wallets for XRP
Hardware wallets store your private keys on a dedicated physical device that never connects directly to the internet. This makes them extremely resistant to hacking, malware, and phishing attacks. For XRP holders with significant amounts, a hardware wallet is strongly recommended.
Ledger Nano X
The Ledger Nano X is the premium option, offering Bluetooth connectivity (for mobile use), USB-C, and support for over 5,500 cryptocurrencies including XRP. Manage your XRP through the Ledger Live desktop or mobile app. You can also connect the Nano X to Xaman for full XRPL feature access with hardware-level security.
Ledger Nano S Plus
The more affordable option, the Nano S Plus offers the same security as the Nano X but connects via USB only (no Bluetooth). It's a great choice for users who primarily manage their crypto from a desktop computer.
Tangem Cards
Tangem offers NFC-based hardware wallets in a credit card form factor. They integrate natively with Xaman — simply tap the card to your phone to sign transactions. No battery, no screen, waterproof, and extremely portable. A popular choice in the XRP community.
Other XRP Wallet Options
Multi-chain mobile wallet supporting XRP alongside thousands of other tokens. Good for users who hold multiple cryptocurrencies and want a single app. Supports basic send/receive for XRP but lacks advanced XRPL features.
Desktop and mobile wallet with a clean interface and built-in exchange. Supports XRP alongside 250+ assets. Good for beginners who want a simple, visually appealing wallet experience.
A web-based XRPL wallet and gateway that has been part of the XRP ecosystem since the early days. Offers full XRPL functionality including the DEX and trust lines. Operates as a regulated financial service.
A browser extension wallet for the XRPL, similar to MetaMask for Ethereum. Useful for interacting with XRPL-based web dApps and DeFi protocols from your desktop browser.
Understanding the 10 XRP Account Reserve
One unique aspect of the XRP Ledger is the account reserve system. To activate an account on the XRPL and prevent spam, a minimum amount of XRP must be held in the account at all times.
| Reserve Type | Amount | Purpose |
|---|---|---|
| Base Reserve | 10 XRP | Required to activate any XRPL account |
| Owner Reserve | 2 XRP per object | Required for each trust line, offer, escrow, etc. |
For example, if you have an XRPL account with 3 trust lines (e.g., for RLUSD, a token, and an NFT offer), your total reserve would be 10 + (3 × 2) = 16 XRP that cannot be spent.
The reserve amounts are set by validator vote and can be changed. They were already reduced from 20 XRP base / 5 XRP owner in 2021. As XRP's price increases, validators may vote to reduce the reserve further, making it even more accessible. Additionally, the XRPL supports account deletion, which recovers most of the base reserve.
Wallet Security Best Practices
Backup your recovery phrase
Write it down on paper (or metal for fire/water resistance). Store in multiple secure locations. Never store it digitally — no photos, no cloud storage, no notes apps.
Never share your keys
No legitimate service will ever ask for your private key or recovery phrase. Anyone who asks is trying to steal your XRP.
Verify addresses carefully
Always double-check the recipient address before sending XRP. Malware can swap clipboard addresses. Compare the first and last several characters.
Use hardware for large holdings
If you hold more than a few hundred dollars in XRP, a hardware wallet is a wise investment. The $70-150 cost is trivial compared to the security it provides.
Keep software updated
Always update your wallet app and device firmware to the latest version. Updates often include critical security patches.
Test with small amounts first
Before sending large amounts, always do a test transaction with a small amount to verify the address and any required destination tags.
Frequently Asked Questions
Related Resources
Ready to Set Up Your XRP Wallet?
Download Xaman to get started with self-custody, or check out our buying guide if you haven't purchased XRP yet.
Last updated: February 11, 2026. Written by the AllAboutXRP Editorial Team. Sources: XRPL.org documentation, Xaman official docs, Ledger support documentation.
Get XRP insights delivered weekly
Free weekly newsletter. No spam, unsubscribe anytime.