Best dedicated XRP wallet. Built by XRPL Labs, full feature support, excellent UX. Free.
Top 7 XRP Wallets Ranked
1. XUMM (Xaman)
The gold standard for XRP. Built by XRPL Labs with native DEX, NFT support, and xApp ecosystem.
2. Ledger (Nano X/S Plus)
Best security for large holdings. Hardware wallet keeps keys offline. Works with XUMM.
3. Trust Wallet
Best multi-coin wallet with XRP support. Clean UI, backed by Binance. Great for beginners.
4. Trezor (Model T/Safe 3)
Alternative hardware wallet. Open-source firmware, touchscreen. XRP via third-party interface.
5. Exodus
Beautiful desktop + mobile wallet. Built-in exchange, portfolio tracking. Good for beginners.
6. Atomic Wallet
500+ coins supported including XRP. Built-in atomic swaps and staking for other coins.
7. Uphold
Exchange + wallet combo. Easy fiat on-ramp, but custodial. Good for trading, not long-term storage.
Quick Comparison
| Wallet | Type | Non-Custodial | DEX | NFTs | Price |
|---|---|---|---|---|---|
| XUMM | Mobile | ✓ | ✓ | ✓ | Free |
| Ledger | Hardware | ✓ | ✗ | ✗ | $79+ |
| Trust Wallet | Mobile | ✓ | ✗ | ✓ | Free |
| Trezor | Hardware | ✓ | ✗ | ✗ | $79+ |
| Exodus | Desktop/Mobile | ✓ | ✗ | ✗ | Free |
| Atomic | Desktop/Mobile | ✓ | ✗ | ✗ | Free |
| Uphold | Exchange | ✗ | ✗ | ✗ | Free |
Security Tips
Backup Your Recovery Phrase
Write it on paper, store in a safe. Never save digitally or screenshot. This is your only backup.
Enable Biometrics
Use Face ID or fingerprint on mobile wallets. Adds protection if your phone is stolen.
Hardware for Large Amounts
Holding $1,000+ in XRP? Get a Ledger. The $79-149 cost is insurance for your investment.
Beware of Scams
Never share your seed phrase. No legitimate service will ever ask for it. XRP giveaways are always scams.
The 10 XRP Reserve
XRP Ledger requires a 10 XRP minimum reserve to activate a new wallet address. This:
- Prevents spam on the network
- Is locked while your wallet is active
- Can be recovered if Ripple/validators reduce the reserve (has happened before)
Exchange wallets (Coinbase, Binance) don't require this because they use pooled addresses. But self-custody wallets need the 10 XRP activation.
Frequently Asked Questions
XUMM (now Xaman) is the best dedicated XRP wallet — built by XRPL Labs with full feature support. For maximum security, Ledger hardware wallet is recommended. Trust Wallet is best for multi-coin users who also hold XRP.
Yes, XUMM is very safe. It's non-custodial (you control your keys), built by XRPL Labs (core XRP developers), and has never been hacked. Enable biometrics and backup your recovery phrase for maximum security.
For large holdings ($1,000+), yes. Hardware wallets like Ledger keep your private keys offline, protecting against hacks. For small amounts, a reputable mobile wallet like XUMM is sufficient.
Yes, but it's not recommended for long-term holding. Exchange wallets are custodial — Coinbase controls your keys. For security and ownership, transfer to a self-custody wallet like XUMM or Ledger.
XRP Ledger requires a 10 XRP minimum reserve to activate a wallet address. This prevents spam and is locked while the wallet is active. Some wallets (like exchanges) don't require this as they use shared addresses.