XRP, the native cryptocurrency of the XRP Ledger (XRPL), continues to stand out as a leading digital asset for fast, low-cost cross-border transactions. Developed by Ripple Labs, the XRPL is a decentralized blockchain trusted by financial institutions and individual users alike. As adoption grows, securing your XRP holdings with a reliable wallet becomes essential—not just for storage, but for accessing decentralized finance (DeFi) applications, managing tokens, and engaging with the broader XRPL ecosystem.
Choosing the right XRP wallet means balancing security, usability, multi-chain support, and advanced features like staking or dApp integration. Whether you're a beginner or an experienced trader, this guide explores the top XRP wallets in 2025, highlighting their strengths and helping you make an informed decision.
Xaman – Built Specifically for the XRPL Ecosystem
Xaman is a non-custodial wallet designed exclusively for the XRP Ledger and the emerging Xahau network. This focus makes it one of the most optimized choices for users deeply involved in XRPL-based activities.
With full control over private keys and assets, Xaman enhances security through multi-signature transaction support—requiring multiple approvals before funds move. This feature is ideal for teams or high-value accounts seeking extra protection.
The wallet boasts a clean, intuitive interface available in multiple languages, making it accessible to a global audience. While the base version is free and covers core functionalities, a Pro subscription unlocks premium features like push notifications, user profiles, and on/off-ramp services for users in the UK and Netherlands.
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Exodus – A User-Friendly Multi-Chain Option
Exodus stands out as a flexible, non-custodial wallet supporting over 50 blockchains—including XRP—and thousands of tokens. Its popularity stems from its sleek design, cross-platform availability (desktop, mobile, browser extension), and beginner-friendly experience.
Users can buy, sell, swap, and stake supported cryptocurrencies directly within the app. The built-in exchange allows seamless trading between assets, while staking options generate passive income on coins like Ethereum and Cosmos.
For enhanced security, Exodus integrates with Trezor hardware wallets—enabling cold storage for private keys without sacrificing ease of use. This hybrid approach appeals to users who want both accessibility and top-tier protection.
Atomic Wallet – Comprehensive Support with Staking Rewards
Atomic Wallet is a decentralized, non-custodial solution supporting more than 1,000 cryptocurrencies, including XRP and XRPL-based tokens. It’s known for combining broad compatibility with attractive earning opportunities.
One of its standout features is staking: users can earn between 5% and 20% APR on various assets such as XRP, Bitcoin, Ethereum, Solana, and Binance Coin. Additionally, purchasing select cryptos with a bank card earns +1% cashback—a small but valuable perk.
Available on Windows, macOS, Linux, iOS, and Android, Atomic Wallet offers consistent functionality across devices. Its support for multiple fiat currencies (USD, EUR) enhances global usability.
Trust Wallet – Leading Mobile Experience for XRP Holders
As one of the best mobile XRP wallets, Trust Wallet delivers robust functionality in a sleek package. Owned by Binance but operating independently, it supports millions of tokens across over 70 blockchains.
The integrated dApp browser lets users interact with Web3 platforms directly—exploring DeFi protocols, NFT marketplaces, and XRPL projects without leaving the app. This seamless access to decentralized applications makes Trust Wallet ideal for active crypto participants.
Security-wise, it’s fully non-custodial: users hold their own private keys. Key protections include biometric login (fingerprint/facial recognition), auto-lock, encrypted key storage, 12-word recovery phrases, and optional two-factor authentication (2FA).
Staking is also available for around 23 major cryptocurrencies, adding another layer of utility beyond simple storage.
Coinomi – Secure & Multi-Language Crypto Storage
Coinomi supports over 1,770 digital assets across 125 blockchains—making it one of the most versatile wallets on the market. Naturally, full XRP support is included.
Available on Android, iOS, Windows, macOS, and Linux, Coinomi ensures broad accessibility. Its built-in exchange feature enables instant swaps between cryptocurrencies without relying on third-party platforms.
As a non-custodial wallet, Coinomi encrypts private keys locally on the device—never transmitting them externally. Users receive a 24-word recovery phrase for backup and benefit from biometric authentication options.
An added privacy feature: Coinomi anonymizes IP addresses during transactions to enhance user confidentiality—an important consideration in today’s surveillance-heavy digital landscape.
Best XRP Hardware Wallets: Cold Storage for Maximum Security
For long-term holders and high-net-worth investors, hardware wallets offer the gold standard in security. These offline devices—also called cold wallets—protect private keys from online threats.
Ledger Nano S Plus
The Ledger Nano S Plus supports over 5,500 cryptocurrencies, including XRP. With room for up to 100 apps simultaneously, it’s perfect for managing diverse portfolios.
Its large OLED display improves readability during transaction verification. Powered via USB (no battery required), it ensures durability and longevity.
Security is powered by a CC EAL5+ certified secure element chip and Ledger’s proprietary BOLOS operating system. Every transaction must be manually confirmed using physical buttons—a critical defense against remote attacks.
In case of loss or damage, users can recover funds using a 24-word recovery phrase and PIN code.
Trezor Safe 3
The Trezor Safe 3 supports XRP and over 8,000 other cryptocurrencies. It features an EAL6+ certified Secure Element chip—the highest security certification available—ensuring maximum protection for private keys.
A key innovation is Shamir Backup, which splits the recovery phrase into multiple shares. This means no single point of failure; users can distribute shares securely among trusted parties.
Compatible with Linux, macOS, Windows, iOS, and Android (via Trezor Suite Lite), it offers full cross-platform flexibility.
Frequently Asked Questions (FAQ)
Q: Can I store XRP on any cryptocurrency wallet?
A: No. Not all wallets support XRP due to its unique reserve requirement on the XRPL. Always confirm XRP compatibility before transferring funds.
Q: What is the safest way to store XRP?
A: Hardware wallets like Ledger Nano S Plus or Trezor Safe 3 provide the highest level of security by keeping private keys offline.
Q: Do I need XRP to send other XRPL tokens?
A: Yes. The XRPL requires a small amount of XRP (around 10 XRP) as a reserve to activate an account and hold additional tokens.
Q: Are non-custodial wallets better than exchange wallets?
A: Generally yes. Non-custodial wallets give you full control over your private keys, reducing reliance on third parties that could be hacked or shut down.
Q: Can I earn interest on XRP?
A: Some wallets like Atomic Wallet offer staking rewards for XRP and other supported assets—check current APR rates before committing.
Q: Is it safe to use mobile wallets for large amounts of XRP?
A: Mobile wallets are convenient but less secure than hardware options. For significant holdings, combine mobile access with cold storage backup.
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How to Choose the Best XRP Wallet in 2025
With so many options available, selecting the right wallet depends on your priorities:
- Security: Prioritize wallets with encryption, 2FA, multi-sig support, and offline storage options.
- User Experience: Look for intuitive interfaces and multilingual support—especially if you're new to crypto.
- Compatibility: Ensure the wallet supports XRP and integrates with platforms you use (e.g., dApps or exchanges).
- Features: Consider built-in exchanges, staking rewards, dApp browsers, or fiat on-ramps.
- Reputation: Research user reviews and check for past security incidents or vulnerabilities.
- Fees: Most wallets are free to use; however, transaction fees vary depending on network conditions and customization options.
Ultimately, your choice should align with how you plan to use your XRP—whether for daily transactions, long-term holding, or active participation in DeFi.
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By carefully evaluating these factors and choosing a reputable wallet tailored to your needs, you can confidently navigate the evolving world of digital finance while keeping your XRP safe and accessible.