When investing in XRP, one of the most crucial decisions you’ll make is choosing a secure and reliable XRP wallet. With Ripple’s growing adoption in global payments and financial institutions, safeguarding your digital assets has never been more important. Whether you're a long-term holder, active trader, or beginner exploring the crypto space, selecting the right wallet ensures both security and ease of use.
This guide explores the top 8 XRP wallets available today—covering hardware, software, custodial, and non-custodial options—so you can make an informed choice based on your needs.
What Is an XRP Wallet?
An XRP wallet is a digital tool that allows you to store, send, and receive XRP tokens. Unlike traditional banks, cryptocurrency wallets don’t “hold” your coins physically. Instead, they manage your private and public keys, which are essential for accessing and proving ownership of your funds on the XRP Ledger.
- The public key generates your wallet address—this is what others use to send you XRP.
- The private key acts as your password; it must be kept secret and secure. Losing it means losing access to your funds permanently.
There are two main types of wallet management:
- Custodial wallets: A third party (like an exchange) holds your private keys. Convenient but less control.
- Non-custodial wallets: You own and manage your private keys. More secure and decentralized.
👉 Discover how to securely manage your private keys with a trusted platform.
Types of XRP Wallets
Understanding the different wallet types helps you balance security, convenience, and control.
1. Hardware Wallets (Cold Storage)
These physical devices store your private keys offline, making them immune to online hacking attempts. Ideal for long-term holders who prioritize maximum security.
Pros:
- Immune to malware and online attacks
- Full user control over private keys
- Backup options via recovery phrases
Cons:
- Higher upfront cost ($50–$200)
- Slightly more complex setup
2. Software Wallets (Hot Wallets)
Available as desktop or mobile apps, these connect to the internet and offer quick access for trading or spending XRP.
Pros:
- User-friendly interfaces
- Instant transactions
- Available across devices
Cons:
- Vulnerable to viruses and phishing
- Risk of loss if device is stolen
3. Paper Wallets
A printed sheet containing your public and private keys. While fully offline, they’re fragile and impractical for regular use.
Pros:
- Completely offline storage
Cons:
- Prone to physical damage or theft
- No recovery option if lost
The 8 Best XRP Wallets in 2025
1. Ledger – Top Hardware Security
Ledger offers industry-leading hardware wallets like the Nano S Plus and Nano X, both compatible with XRP. These devices store your private keys offline using a certified secure chip (CC EAL5+).
Key Features:
- Supports over 5,500 cryptocurrencies
- Bluetooth connectivity (Nano X)
- Up to 100 app installations
- Two-factor authentication
Pricing:
Nano S Plus: $79 | Nano X: $149
Pros:
✅ Military-grade security
✅ Easy integration with Ledger Live app
✅ Regular firmware updates
Cons:
❌ Premium price point
❌ No touchscreen on Nano S models
Ideal for users who value security over convenience.
👉 Secure your XRP with advanced cold storage solutions.
2. Crypto.com – All-in-One App
Crypto.com combines a non-custodial wallet, exchange, and Visa card into one platform. It supports XRP and over 30 other cryptocurrencies.
Features:
- Earn up to 14.5% annual rewards
- Buy XRP with a credit card
- Loan up to 50% of your balance
- Spend crypto via prepaid card
Pros:
✅ Fast transaction processing
✅ Generous referral bonuses ($2,000 max)
✅ Strong security certifications
Cons:
❌ Rewards paid in CRO token (subject to volatility)
❌ Higher fees for low-volume traders
Best for users seeking spending flexibility and passive income.
3. Blocktrade – Zero-Fee Trading Platform
Blocktrade stands out with its no-fee policy, making it ideal for cost-conscious traders. It supports XRP trading with minimal entry requirements—just $10 to start.
Features:
- Beginner-friendly interface
- Available on web, iOS, and Android
- Operates in 120+ countries
- Non-custodial wallet option
Pros:
✅ Completely free trades
✅ Simple onboarding process
✅ High security standards
Cons:
❌ Limited selection of supported cryptos
A top pick for newcomers wanting simplicity and savings.
4. Binance – Global Exchange Powerhouse
Binance is one of the world’s largest exchanges and supports XRP trading through its ecosystem. While it doesn’t have a native wallet, it integrates with Trust Wallet for decentralized storage.
Features:
- Over 365 tradable cryptocurrencies
- Flat 0.1% spot trading fee
- 24/7 customer support via chat, tickets, and social media
Pros:
✅ Low fees and high liquidity
✅ Advanced trading tools
✅ Multi-channel support
Cons:
❌ Regulatory issues in some regions
❌ Complex interface for beginners
Great for active traders needing speed and volume.
5. Atomic Wallet – Decentralized & Anonymous
Atomic Wallet is a non-custodial, multi-chain wallet supporting XRP with full user control over private keys.
Features:
- Built-in exchange (via Changelly)
- Buy XRP with a bank card
- Encrypted local storage
Fees: 2% flat fee per transaction (minimum $10)
Pros:
✅ Full privacy and anonymity
✅ No KYC required
✅ 24/7 support
Cons:
❌ Not compatible with hardware wallets
❌ Limited fiat on-ramp options
Best for users who prioritize privacy and decentralization.
6. Coinbase – Trusted Exchange Wallet
Coinbase is a regulated U.S.-based exchange offering a secure way to buy, sell, and store XRP.
Features:
- Scheduled recurring buys
- Industry-leading security (98% cold storage)
- FDIC-insured USD balances
Transaction Fees: Variable (e.g., $0.99 for $10 trades)
Pros:
✅ Easy-to-use platform
✅ Supports fiat deposits/withdrawals
✅ High trust and transparency
Cons:
❌ Higher fees compared to competitors
Ideal for beginners in regulated markets.
7. Trezor – Premium Hardware Option
Trezor’s Model T is a high-end hardware wallet with a full-color touchscreen and robust security features.
Features:
- Open-source firmware
- Advanced cryptographic standards
- Intuitive UI with touchscreen navigation
Price: Starts at $217
Pros:
✅ Excellent usability for a hardware device
✅ Transparent development model
✅ Top-tier offline protection
Cons:
❌ Expensive for new investors
❌ Customer support could be faster
Perfect for tech-savvy users wanting premium build quality.
8. MetaMask – Web3 Gateway
While primarily designed for Ethereum-based assets, MetaMask supports XRP through custom network configurations.
Features:
- No personal information required
- Cross-device sync
- Gas fee control on transactions
Note: Users must manually add XRP via RPC settings.
Pros:
✅ Full control over funds
✅ Seamless dApp integration
Cons:
❌ High risk for inexperienced users
❌ No password reset—seed phrase is everything
Best suited for experienced users engaging with DeFi and dApps.
Frequently Asked Questions (FAQs)
What wallets support XRP?
Most major hardware and software wallets support XRP, including Ledger, Trezor, Atomic Wallet, and Trust Wallet. Always verify compatibility before setup.
Which XRP wallet is the safest?
Hardware wallets like Ledger and Trezor offer the highest level of security due to offline private key storage, protecting against online threats.
How do I create an XRP wallet?
Download a trusted app (like Atomic or Trust Wallet), follow the setup process, securely back up your recovery phrase, and you're ready to receive XRP.
Can I earn interest on XRP?
Yes—platforms like Crypto.com allow you to earn rewards by staking or holding XRP, though returns vary based on balance and market conditions.
Is it safe to keep XRP on an exchange?
Exchanges are convenient but riskier than self-custody solutions. For long-term holdings, transfer your XRP to a private wallet.
How do I recover my XRP wallet?
Use your 12–24 word recovery phrase to restore access on any compatible wallet app. Never share this phrase with anyone.
Final Thoughts
Choosing the best XRP wallet depends on your goals:
- For maximum security: Go with Ledger or Trezor.
- For zero fees and simplicity: Try Blocktrade.
- For trading and rewards: Consider Crypto.com or Binance.
- For privacy and control: Opt for Atomic Wallet or MetaMask.
Regardless of your choice, always back up your recovery phrase, enable two-factor authentication, and stay vigilant against scams.
👉 Start protecting your digital assets today with a secure wallet solution.