Best XRP Wallets in 2026: Cold, Hardware, Mobile and Web3 Options

Device prices, supported platforms and token lists change, so confirm them on the wallet's official site before you buy or install. Network fees and provider fees apply in every wallet.

How We Selected the Best XRP Wallets

We judged each wallet on six criteria, because a wallet that looks strong in general can still be a poor fit for the XRP Ledger.

XRP Ledger support. The wallet should send and receive XRP on the XRP Ledger itself, not just show a token with a similar ticker on another network. We looked for destination tag fields, trust lines and XRPL-issued tokens, account settings, and support for XRPL dApps.

Backup and recovery. We checked how you restore access: a recovery phrase, backup cards or devices, and whether recovery depends on a third-party service.

Platforms and usability. This covers iOS and Android, Windows, macOS and Linux, a browser extension, and how easy the setup is for someone new to crypto.

Cost and fees. We compared device prices, fees for buying and swapping inside the app, network fees and paid add-ons.

Active maintenance. We looked at how current the app is, how often it is updated, whether official documentation exists, and whether support is reachable.

The Best XRP Wallets in 2026

Each review follows the same structure, so you can compare wallets line by line.

1. Xaman – Best XRP Wallet Overall

Xaman is the most XRPL-focused wallet in this list, and it is our pick for most people who plan to use XRP regularly.

• Best for: everyday XRPL use, XRPL tokens and trust lines
• Type: mobile (hot) wallet
• Platforms: iOS and Android; there is no classic desktop app
• Custody: self-custody
• Price: free app

XRP and XRPL support. Xaman is developed by XRPL Labs, an independent company that Xaman's help center says is not owned by Ripple. You add trust lines in the app to hold issued tokens, and it works with xApps, small apps that run inside Xaman and connect you to the XRPL ecosystem.

Security and recovery. Your keys stay on your device. Back up the recovery credentials the app gives you when you create an account, and keep them offline. For stronger protection, Xaman sells branded Tangem cards with firmware optimized for the XRP Ledger, ordered through the Get Cards xApp, and its documentation describes a route for using a hardware wallet account with the app through a Regular Key and XRP Toolkit.

Advantages:

• Built for the XRP Ledger rather than adapted from another chain.
• Handles trust lines and XRPL tokens directly in the app.
• Works with XRPL apps through xApps.

Limitations: Xaman supports XRPL (and Xahau) rather than a broad set of other blockchains, so you need another wallet for Bitcoin or Ethereum. The paid Xaman Pro plan stopped accepting new purchases on 30 January 2026.

Who should choose it: anyone who sends XRP often, holds RLUSD or other XRPL tokens, or wants a mobile XRP wallet app on Android or iPhone that is made for the ledger.

2. Ledger – Best Hardware Wallet for XRP

Ledger is the best wallet to store XRP for the long term and the hardware option with the broadest app support, which makes it our pick for the best hardware wallet for XRP in 2026.

• Best for: larger, long-term holdings
• Type: hardware wallet
• Platforms: Ledger Wallet (formerly Ledger Live) on mobile and desktop
• Custody: self-custody
• Price: paid device; the app is free

XRP and XRPL support. Ledger lists XRP support across its current devices (Nano Gen5, Nano X, Flex and Stax). Ledger's own pages do not describe XRPL token handling, and a third-party comparison says tokens are reached through connected apps rather than in Ledger Wallet itself, so confirm the app and the token before you plan to hold RLUSD on a Ledger. XRP cannot be staked natively.

Security and recovery. The private keys stay on the device, and you confirm every transaction on the device itself, which protects you if your phone or computer is compromised. The device generates a recovery phrase when you set it up; write it down offline and never type it into any app or website.

Advantages:

• Keys never leave the device, and transactions are approved on its screen.
• Works with both mobile and desktop apps.
• Fits large sums and holding periods of years.

Limitations: You pay for the device, and setup takes longer than installing an app. Buying and swapping inside Ledger Wallet go through third-party providers such as MoonPay and Ramp, which charge their own fees.

Who should choose it: XRP holders with savings they do not plan to move often.

3. Tangem – Easiest Hardware Wallet for XRP Cold Storage

Tangem is the simplest way to start with cold storage: a hardware wallet in the form of an NFC card.

• Best for: first-time hardware wallet users
• Type: hardware wallet (card)
• Platforms: Tangem mobile app, phone connection over NFC
• Custody: self-custody
• Price: paid card set

XRP and XRPL support. Tangem supports XRP and XLM. Its help center describes support for XRPL trust lines: the account needs 1 XRP to activate, and each trust line locks 0.2 XRP as reserve. Tangem's RLUSD page lists the XRP Ledger as a supported network, and the app does not let you close a trust line once it is open.

Security and recovery. Keys live on the card, and the cards in a set serve as backups of one another. There is no cable and no battery. The card has no screen of its own, so you check transaction details in the app rather than on the device.

Advantages:

• Quick setup with nothing to charge or plug in.
• Backup cards are part of the set.
• Suitable for people who have never used a hardware wallet.

Limitations: No built-in display for verifying a transaction, a mobile-only workflow, and trust lines that cannot be closed in the app.

Who should choose it: beginners who want the best XRP cold wallet for the least effort, or people who want to keep XRP and XLM on one device.

4. Trezor – Best Open-Source Hardware Wallet for XRP

Trezor is the choice for people who want hardware storage with open-source firmware.

• Best for: open-source cold storage
• Type: hardware wallet
• Platforms: Trezor Suite on desktop and web, and on mobile with limits
• Custody: self-custody
• Price: paid device

XRP and XRPL support. The Trezor Safe 7, Safe 5 and Safe 3 support XRP through Trezor Suite, and the XRP Ledger and XRPL EVM are the networks listed. Trezor's XRP page does not mention XRPL tokens, and a third-party comparison says they are reached through a connected interface rather than in Trezor Suite, so treat advanced XRPL features as limited. Trezor also works with third-party apps such as MetaMask, Rabby and Exodus. On Android, all models connect to Trezor Suite over USB, and the Safe 7 also over Bluetooth. On iPhone only the Safe 7 can send funds; other models are limited to view-only mode.

Security and recovery. You restore the wallet from a recovery seed, and transactions are confirmed on the device.

Advantages:

• Open development approach that independent researchers can inspect.
• Trezor Suite covers desktop, web and mobile, with full mobile use on Android.
• Integrates with other wallet apps.

Limitations: limited XRPL-specific features, view-only use on iPhone for most models, and the device is a paid purchase.

Who should choose it: XRP holders who value transparency in how a hardware wallet is built and mainly need to store and send XRP.

5. D'CENT – Best Biometric XRP Hardware Wallet

D'CENT stands out for fingerprint confirmation on the device and for native XRPL trust line support.

• Best for: users who want physical, biometric authorization
• Type: hardware wallet
• Platforms: D'CENT mobile app (Android and iOS)
• Custody: self-custody
• Price: paid device

XRP and XRPL support. D'CENT has supported XRPL trust lines natively since November 2021. The company's own guide to RLUSD says the in-app swap can convert XRP into RLUSD and that the app sets up the trust line when you receive it, which makes it one of the few hardware options that document this flow.

Security and recovery. Keys are stored on the device, and a fingerprint is required to authorize transactions. As with any hardware wallet, the recovery phrase is the final backup.

Advantages:

• Biometric confirmation on the device.
• Documented trust line and RLUSD support.

Limitations: the ecosystem is smaller than Ledger's or Trezor's, and it works through a mobile app rather than a desktop one.

Who should choose it: people who want hardware protection and plan to hold RLUSD or other XRPL tokens.

6. Trust Wallet – Best XRP Wallet for Beginners

Trust Wallet is the easiest way to hold XRP next to many other assets in one mobile app.

• Best for: beginners and multichain portfolios
• Type: mobile and browser-extension wallet
• Platforms: mobile, browser extension
• Custody: self-custody
• Price: free app

XRP and XRPL support. Trust Wallet announced XRPL token support in February 2025, and the announcement was updated in July 2026. You must enable each token before you can receive it, and enabling one costs a network fee and a reserve. RLUSD is among the named tokens.

Security and recovery. Keys are held on your device, and a recovery phrase backs up the wallet. Keep it offline.

Advantages:

• Guides new users through setup.
• Holds many blockchains in one place.
• Supports XRPL tokens.

Limitations: fewer XRPL-specific features than Xaman, and a phone that is online all the time.

Who should choose it: first-time users who also hold other coins and want a general-purpose app.

7. NOW Wallet – Best Multichain Wallet for XRP

NOW Wallet is the best pick here if XRP is one of several coins you hold and you want them all in one non-custodial app, with card purchases, swaps and access to EVM dApps built in.

• Best for: XRP and XLM next to other assets, with buying, swapping and EVM dApp access in the same app
• Type: software (hot) wallet
• Platforms: mobile and desktop
• Custody: non-custodial
• Price: free app

XRP and XRPL support. NOW Wallet supports XRP on the XRP Ledger, and also on the XRPL EVM sidechain and BNB Smart Chain, so you can hold XRP on the network that fits what you want to do. It supports destination tags, so you can deposit XRP to exchanges that require one. Trust lines are not available in the app yet, so XRPL-issued tokens are not supported, and RLUSD works as the Ethereum version rather than natively on the XRP Ledger.

Security and recovery. Private keys and the recovery phrase stay on your device, and a PIN and Face ID guard access to the app. You can create several wallets inside the app, for example one for savings and one for daily use.

Advantages:

• 70+ blockchains and 1500+ tokens in one app, including XLM.
• Support for EVM networks, including the XRPL EVM sidechain, and access to EVM dApps through WalletConnect.
• Buying with a debit or credit card through partner providers, and swaps inside the app.
• Mobile and desktop versions.
• Destination tag support for exchange deposits.

Limitations: no trust lines yet, so XRPL-issued tokens such as native RLUSD need a wallet like Xaman.

Who should choose it: people who keep XRP alongside XLM, Bitcoin, Ethereum and other assets, want to buy and swap in the same place, and want one app on both phone and computer that can also connect to EVM dApps.

Download NOW Wallet

8. Exodus – Best Desktop XRP Wallet

Exodus is the best pick in this list for people who want a desktop XRP wallet with a clear portfolio view.

• Best for: desktop use and portfolio tracking
• Type: software (hot) wallet
• Platforms: desktop and mobile
• Custody: self-custody
• Price: free app; built-in swaps carry fees

XRP and XRPL support. Exodus requires 1 XRP to activate an XRP account and 0.2 XRP for each token you add. Tokens other than XRP, including RLUSD, work only in Exodus Mobile, so the desktop app is for XRP itself. Exodus's help center covers destination tags and says that if a platform forces you to enter one for a personal address, any number works.

Security and recovery. Exodus can be used together with a hardware wallet, as Trezor's compatibility list shows. Parts of its code are closed, unlike fully open-source wallets.

Advantages:

• Polished desktop and mobile apps.
• Built-in exchange and a portfolio view.
• Works with hardware wallets.

Limitations: closed-source components, swap fees built into the exchange rate, and XRPL tokens on mobile only.

Who should choose it: people who prefer managing XRP from a computer and want it alongside other holdings.

9. Guarda – Best Cross-Platform XRP Wallet

Guarda covers the most platforms of any wallet here, and it is our pick for the best wallet to buy XRP inside an app, since you can switch between devices and still buy and swap in the same place.

• Best for: buying and swapping XRP
• Type: software (hot) wallet
• Platforms: web, desktop, mobile and browser extension
• Custody: self-custody
• Price: free app; fees apply to built-in services

XRP and XRPL support. Guarda's support team confirmed that the wallet shows the XRP account reserve, lets you delete an account to recover it, and supports destination tags. A review by Geekflare adds that you can buy XRP with a bank card and swap it inside the wallet. Guarda does not support trust lines, so XRPL-issued tokens such as RLUSD cannot be held in it, and XRP does not work with its Ledger integration.

Security and recovery. It is non-custodial, with the wallet restored from a recovery phrase; Guarda also offers encrypted backups.

Advantages:

• One account type across web, desktop and mobile.
• Built-in purchase and swap.
• Many assets in one app.

Limitations: XRP only, with no XRPL tokens, no XRP support in the Ledger integration, and fees on built-in services.

Who should choose it: users who want to buy XRP inside a wallet, use it on several devices and do not need XRPL tokens.

10. Crossmark – Best Web3 Wallet for XRP

Crossmark is a browser extension for connecting to XRPL websites, and as an XRP Web3 wallet it is the main pick in this list.

• Best for: XRPL dApps in the browser
• Type: browser-extension (hot) wallet
• Platforms: Chrome
• Custody: self-custody
• Price: free

XRP and XRPL support. Crossmark is built for the XRP Ledger. Its Chrome Web Store listing does not state hardware wallet support, so check the current listing before you install it.

An iOS alternative. Joey Wallet is a self-custody iOS app that works only with the XRP Ledger. It connects to dApps through WalletConnect v2, offers social login based on MPC, and has a MoonPay on-ramp.

Security and recovery. Treat every signature request from a dApp as a payment approval: a malicious site can ask you to sign a transaction that drains funds, so read what you are signing.

Advantages:

• Direct connection to XRPL web apps.
• Free to use.

Limitations: it lives in your browser, which makes it a hot wallet, and it works only with the XRP Ledger.

Who should choose it: people who use XRPL dApps on a computer and want a Web3 wallet for XRP.

Best XRP Wallets by Use Case

Pick the row that matches how you use XRP.

What Is an XRP Wallet?

An XRP wallet, also called an XRP Ledger wallet, stores the private keys that let you control your XRP on the XRP Ledger. The coins stay on the ledger; the wallet proves they are yours and signs transactions that move them. Anyone who has your keys, or your recovery phrase, can move your XRP.

Two independent choices define a wallet, and they are easy to mix up. One is who holds the keys (custodial or self-custody). The other is whether the keys sit on an internet-connected device (hot wallet) or offline (cold wallet). Our guides to custodial vs non-custodial wallets and hot vs cold wallets cover both in more depth.

Custodial vs. Self-Custody XRP Wallets

A custodial wallet means a company holds the keys for you, such as an exchange account or an institutional custodian like BitGo. A self-custody wallet means you hold them. People often call the second kind a decentralized wallet, because no company stands between you and your coins, so the best decentralized wallet for XRP is, in practice, the best self-custody one.

Hot vs. Cold XRP Wallets

A hot wallet runs on a device that connects to the internet, and a cold wallet keeps the keys offline. An XRP hot wallet such as Xaman or Trust Wallet is convenient for frequent use. A hardware wallet is the most common kind of cold wallet. A paper wallet, a printed key pair, is another, but paper is easy to damage and awkward to use safely, so most people choose a hardware device.

Mobile, Desktop, Hardware and Web3 Wallets

• Mobile wallets are apps for iOS and Android and suit daily use.
• Desktop wallets run on Windows, macOS or Linux and are comfortable for managing larger portfolios on a big screen.
• Hardware wallets are separate devices that keep keys offline and approve transactions on the device.
• Web3 wallets connect to decentralized apps, which on the XRP side means XRPL dApps, Flare and the XRPL EVM sidechain.

XRP-Specific Wallet Features You Should Check

Several XRPL-specific features are worth checking before you choose a wallet: native XRP Ledger support, the account reserve, destination tags and trust lines. Not every wallet covers all of them, and which ones you need depends on how you use XRP.

Native XRP Ledger Support

The wallet must work with the XRP Ledger itself, not just show a token with a similar ticker on another network. A wallet that only handles wrapped or bridged XRP on a different chain will not give you a normal XRPL address, and funds sent to the wrong kind of address can be lost. Look for an XRP address that begins with "r" and a network label that reads XRP Ledger.

XRP Account Reserve

Every XRPL account must hold a minimum amount of XRP that cannot be spent. Since 2 December 2024, the base reserve is 1 XRP, plus 0.2 XRP for each object the account owns, such as a trust line. Before the change, the figures were 10 XRP and 2 XRP, which is why older guides give different numbers. Validators were discussing a further reduction in July 2026, so check the XRP Ledger reserves page for the current numbers before you fund a new account.

In practice, a new XRP wallet shows a balance you cannot fully spend. Ledger and Exodus both explain that deleting an account recovers 0.8 XRP, and that you need to fund it with 1 XRP again if you want to reuse it.

Destination Tags

A destination tag is a number attached to a payment so that the receiver knows which customer it belongs to. Exchanges and other shared services use a single XRP address for many users, so they require a tag to credit your deposit. A personal self-custody address normally does not need one, and you can leave the field empty when you send to it. If a platform will not let you proceed without a value, wallet guides such as Exodus's say a placeholder number is acceptable for a personal address.

If you send XRP to an exchange without its required tag, contact the exchange's support at once with the transaction hash. Recovery depends on the exchange and is not guaranteed.

Trust Lines and XRPL-Issued Tokens

XRP itself needs no setup, but any token issued on the ledger, such as the RLUSD stablecoin, needs a trust line. A trust line tells the ledger that your account is willing to hold that issuer's token, and each one adds 0.2 XRP to your reserve. That is why plain XRP support is not enough for anyone who wants RLUSD or other issued assets: the wallet must be able to create trust lines and show the balances.

Flare and the XRPL EVM Sidechain

This subsection is for readers who already use DeFi. The XRPL EVM sidechain is a separate Ethereum-compatible network with Ethereum-style addresses, and Flare is another network where XRP appears as FXRP. Both sit outside the main XRP Ledger, so a wallet must label the network clearly, and you should send to the address format of the network you intend to use.

What Wallets Support XRP?

Most major self-custody wallets support XRP, but not all of them do: two well-known names, Phantom and Coinbase Wallet, do not, as the FAQ below explains.

How to Choose the Best Wallet for XRP

The best crypto wallet for XRP is the one that fits how you use it. Start with that, then check key control, native XRPL support and recovery, and finish with a small test transfer.

1. Decide how you will use XRP. Long-term holding, frequent sending, buying inside an app, working with XRPL tokens, connecting to dApps, and holding XRP next to XLM and other assets each point to a different wallet.
2. Check who controls the private keys. A safe XRP wallet is one where you hold the keys yourself, or where a hardware device does.
3. Confirm native XRP Ledger support. The wallet should give you an XRP Ledger address and, if you need them, destination tag fields and trust lines.
4. Review recovery options. Find out whether you restore from a recovery phrase, backup cards or a second device, and whether you depend on any outside service.
5. Compare mobile and desktop access. Choose the platforms you will use every week, not the ones you might use once.
6. Check wallet and transaction fees. Add up the device price, network fees and the cost of built-in buying and swapping.
7. Look for current updates and documentation. An app with recent updates and a working help center is easier to rely on.
8. Test with a small XRP transfer. Send a small amount first, confirm it arrives, and only then move the rest.

How to Create an XRP Wallet

Creating an XRP wallet takes a few minutes with a software wallet and a bit longer with a hardware wallet. The steps are almost the same in every app, and our guide on how to create a crypto wallet covers the general version.

1. Choose a compatible wallet. Use the use-case table above to match one to your plans.
2. Download it from the official source. An XRP wallet download link found through ads or search results can lead to a fake app, so go through the wallet's website to reach the official store listing, and check the developer's name before you install. If you want a hardware wallet, buy it from the manufacturer; our guide on where to buy a hardware wallet explains why.
3. Create a new wallet. The app or device generates your keys locally.
4. Back up the seed phrase offline. Write the words on paper in the exact order, and keep them away from screenshots, cloud notes and messages. For more methods, see our guide on how to store a seed phrase securely.
5. Copy and verify the XRP address. A standard XRP address starts with "r". Compare the first and last characters on the screen of your device, or on the second screen you copy it to, before you share it.
6. Send a small test transaction. The first payment to a new account must cover at least the 1 XRP base reserve to activate it, and some guides suggest 2 XRP to leave a margin.
7. Confirm the balance and the reserve. Check that the wallet shows the amount you sent and that you understand how much of it is locked.

How to Move XRP to a Cold Wallet

To move XRP to a hardware wallet, copy its XRP address, send a small test payment from the exchange, and send the rest once it arrives. You do not need a destination tag for your own address. The first deposit must cover at least the 1 XRP base reserve so the account can activate.

Moving XRP from Coinbase to a Cold Wallet

1. Open your hardware wallet's app, select XRP and copy the receiving address; verify it on the device's screen if it has one.
2. In Coinbase, choose to send XRP and paste the address. Select the XRP Ledger network if asked.
3. Leave the destination tag empty. If the form requires a value, Coinbase-based guides suggest entering 0.
4. Check the network fee shown on the confirmation screen, because withdrawal fees change.
5. Send a test amount of at least 1 XRP first (some guides suggest 2 XRP), wait for it to arrive, then send the remainder.

Moving XRP from Robinhood to a Cold Wallet

Availability depends on your region. Robinhood's European service supports XRP withdrawals, and we could not confirm support in the US, so check the current help page for your country. Where it is available, the steps match the Coinbase ones: open XRP, choose to send to an external address, paste your hardware wallet's XRP address and send a small test first. Robinhood adds no fee of its own to a crypto withdrawal; you pay the network fee.

The requirement runs the other way when you send XRP into Robinhood: it asks for a numeric tag (memo) on deposits.

Transferring XRP to Tangem

Open the Tangem app, select XRP and copy the address. The first deposit activates the XRP account, and Tangem's help center notes a 1 XRP activation reserve. Make sure every card in your set is linked in the app before you send. If you later add an XRPL token, each trust line locks another 0.2 XRP, and the app does not close trust lines.

Common Transfer Mistakes

• Choosing the wrong network.
• Pasting a wrong or altered address.
• Skipping the destination tag when you send to an exchange.
• Skipping the test transfer.
• Using a fake wallet app.
• Keeping the recovery phrase in the cloud or in a screenshot.

XRP Wallet Security Checklist

• Download wallet apps only from the official website or the official store link on it.
• Check the address before you send.
• Send a small test transaction first.
• Keep your recovery phrase offline.
• Never give your recovery phrase to anyone, including "support" accounts.
• Check the transaction details on your hardware wallet's screen.
• Update the app and the device firmware promptly.
• Use a separate hardware wallet for larger amounts.
• Treat dApps, bridges and smart contracts as added risk, and read every signature request.

For a broader look, read our guide to crypto wallet security best practices.

Which XRP Wallet Should You Choose?

Choose by how you use XRP:

• Regular work on the XRP Ledger: an XRPL-native wallet such as Xaman.
• Long-term storage: a hardware wallet such as Ledger.
• Beginners with several coins: a mobile multichain wallet such as Trust Wallet or NOW Wallet.
• A computer as the main device: a desktop wallet such as Exodus.
• XRPL dApps and Web3: a self-custody Web3 wallet such as Crossmark.

Whichever you choose, back up the recovery phrase offline and send a small test transfer before you move the rest.

Try NOW Wallet

Sources

1. XRP Ledger, Reserves
2. XRP Ledger, Trust line tokens
3. Xaman Help Center, Is Xaman owned by Ripple?
4. Xaman Help Center, How to create a trust line
5. Ledger, XRP wallet
6. Tangem, XRP wallet
7. Tangem, Ripple USD (RLUSD)
8. Trezor, XRP wallet
9. D'CENT, What is RLUSD
10. Trust Wallet, XRPL token support
11. Exodus, XRP FAQs
12. Upshift, Best XRP wallets
13. Geekflare, Best XRP wallets
14. The Defiant, FXRP launch on Flare mainnet
15. Chrome Web Store, Crossmark Wallet
16. App Store, Joey Wallet
17. Coin Bureau, Phantom Wallet review
18. Decrypt, Coinbase Wallet delists XRP, BCH and ETC
19. TokenTax, Is transferring crypto between wallets taxable?
20. Trezor, Getting to know Trezor Suite

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