Managing XRP securely and efficiently requires a reliable wallet that aligns with your technical comfort, security needs, and usage habits. Whether you're an experienced investor or just getting started with the XRP Ledger (XRPL), choosing the right digital wallet is crucial for protecting your assets and accessing decentralized applications (dApps). In this guide, we’ve curated the top 10 XRP wallets based on security, usability, device compatibility, and non-custodial features.
From mobile apps to hardware solutions, each wallet offers unique advantages. We’ll explore their core functionalities, open-source status, and key security features to help you make an informed decision.
1. Xumm – Best for Mobile-First XRP Users
Xumm stands out as a leading non-custodial mobile wallet designed specifically for the XRP Ledger. Built with simplicity and security in mind, it allows users to manage XRP using biometric authentication or passcodes. You can easily create new XRPL accounts or import existing ones without exposing your private keys.
One of Xumm’s standout features is its integration with Tangem NFC hardware wallets, adding an extra layer of offline security. The wallet is open-source and has undergone third-party audits, reinforcing trust among users.
With the XRP Ledger’s consensus algorithm, transactions settle in 3–5 seconds, supporting up to 1,500 transactions per second—ideal for fast, low-cost transfers.
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2. Bifrost Wallet – Privacy-Focused Mobile Solution
Bifrost Wallet is a mobile-first, non-custodial crypto wallet and dApp browser tailored for privacy-conscious users. It supports major cryptocurrencies like XRP and emphasizes data minimization and anti-tracking policies.
Private keys are stored locally on the user’s device, ensuring full control over funds. Bifrost also enables seamless interaction with XRPL-based decentralized applications such as XPMarket and XRP Toolkit, making it ideal for users engaging with the XRPL ecosystem.
While not open-source, Bifrost maintains transparency through regular updates and a strong commitment to user privacy.
3. Coin Wallet – Multi-Platform Support for Beginners
Coin Wallet is a versatile, non-custodial multi-currency wallet that supports XRP along with hundreds of other cryptocurrencies. It offers native apps for iOS and Android, as well as desktop versions for Windows, Linux, and macOS, providing cross-platform flexibility.
Users can not only send and receive XRP but also buy, sell, and exchange it directly within the app. Its intuitive interface makes it suitable for beginners, while advanced users appreciate its open-source codebase and transparent development model.
Launched in 2015, Coin Wallet has built a reputation for reliability and ease of use across operating systems.
4. GateHub – Custodial Wallet with Advanced Security
GateHub is a web-based wallet operating on the decentralized XRP Ledger network. Unlike most wallets on this list, it is custodial, meaning GateHub manages users’ private keys—ideal for those who prioritize convenience over full control.
However, GateHub compensates with robust security tools:
- Multisignature authentication
- Theft Cover insurance
- Fraud Shield protection
- Real-time network forensics and anomaly detection
It also provides access to the XRPL Decentralized Exchange (DEX), allowing users to trade XRP and other tokens instantly with minimal fees. While not open-source, GateHub remains one of the most feature-rich platforms for active XRP traders.
5. Trust Wallet – Mobile Powerhouse with Binance Integration
Trust Wallet is a popular non-custodial mobile wallet known for its sleek design and deep integration with Binance.US and other Binance services. This connection simplifies asset transfers between exchange and wallet, appealing to active traders.
Supporting over 60 million users worldwide, Trust Wallet securely stores XRP and thousands of other tokens across multiple blockchains. It's open-source, regularly audited, and allows direct interaction with dApps via its built-in browser.
Its user-friendly interface and strong community support make it one of the best choices for mobile-centric investors.
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6. Exodus – Beginner-Friendly Desktop & Mobile Experience
Exodus is an excellent entry point for newcomers to cryptocurrency. Available on both desktop (Windows, macOS, Linux) and mobile devices, it supports over 300 cryptocurrencies, including XRP.
The wallet features a visually appealing interface, real-time portfolio tracking, and an integrated exchange powered by third-party providers like Changelly and Shapeshift. Customer support includes email and live chat—rare among non-custodial wallets.
Although Exodus is not open-source, it uses client-side encryption and allows users to export private keys at any time.
7. Ledger – Gold Standard in Hardware Security
For maximum security, Ledger hardware wallets are unmatched. The Ledger Nano S Plus starts at just $79 and supports over 5,000 cryptocurrencies, including XRP.
These devices store private keys offline (cold storage), shielding them from online threats. They work seamlessly with software wallets like Guarda and MetaMask through USB or Bluetooth connections.
Ledger’s firmware is open-source, enabling public scrutiny and continuous improvement. Its reputation for durability and security makes it a top pick for long-term holders.
8. Guarda – Universal Access Across Devices
Guarda offers unmatched accessibility, functioning as a web, desktop, mobile, and browser extension wallet. It supports over 400,000 digital assets, including XRP, across multiple blockchains.
As a non-custodial solution, Guarda ensures users retain full control of their keys. While not open-source, it employs strong encryption protocols and provides detailed transaction histories.
Its multi-platform presence allows smooth transitions between devices—perfect for users who switch between phone, tablet, and computer regularly.
9. Edge – Secure & Private Mobile Management
Edge is a non-custodial mobile wallet emphasizing privacy and decentralized architecture. It uses a unique account recovery system that doesn’t rely on centralized servers, reducing vulnerability to breaches.
Supporting XRP and numerous other cryptocurrencies, Edge enables easy swapping, staking (where applicable), and dApp integration. Its open-source nature invites community contributions and transparency.
With features like hierarchical deterministic (HD) wallets and simple onboarding, Edge balances advanced functionality with beginner accessibility.
10. Trezor – Affordable Hardware Option
Trezor offers some of the most affordable hardware wallets on the market. The Trezor One is available for just $59 and supports nearly 1,000 cryptocurrencies, including XRP.
Like Ledger, Trezor stores private keys offline but differs in that it cannot integrate with third-party software wallets like MetaMask. However, it connects directly to its own interface for managing assets securely.
Trezor’s firmware is open-source, promoting trust through transparency. It's an excellent choice for budget-conscious users seeking cold storage without sacrificing security.
Frequently Asked Questions (FAQ)
Q: What is a non-custodial wallet?
A: A non-custodial wallet gives you full control over your private keys and funds. No third party holds or manages your assets, reducing counterparty risk.
Q: Can I stake XRP in these wallets?
A: Currently, XRP does not support traditional staking. However, you can earn rewards through decentralized exchanges or liquidity pools on XRPL dApps accessible via wallets like Bifrost or Trust Wallet.
Q: Which wallet is best for beginners?
A: Exodus and Trust Wallet are highly recommended for beginners due to their intuitive interfaces, built-in support, and easy setup processes.
Q: Are hardware wallets worth it for small XRP holdings?
A: Yes—if you plan to hold XRP long-term. Even small amounts benefit from the enhanced security of cold storage against hacking attempts.
Q: Do all wallets support XRPL dApps?
A: Not all. Wallets like Bifrost, Trust Wallet, and Xumm offer direct dApp browser integration, while others may require manual connection via WalletConnect.
Q: How do I recover my wallet if I lose my device?
A: Most non-custodial wallets provide a 12- or 24-word recovery phrase during setup. Store this securely—it’s the only way to restore access to your funds.
When selecting an XRP wallet, consider your priorities: security, ease of use, platform compatibility, and dApp access. From mobile apps like Xumm and Trust Wallet to hardware guardians like Ledger and Trezor, there’s a perfect fit for every type of user.
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