Best XRP Wallets 2026 - Top Wallets for Storing XRP Safely

Q: What is the best XRP wallet?

The best XRP wallet depends on your needs. For maximum security, hardware wallets like Ledger are recommended. For convenience, mobile wallets like Xaman (formerly XUMM) or Joey Wallet work well.

Q: How much XRP do I need to open a wallet?

XRPL requires a 1 XRP reserve to activate a wallet address (reduced from 10 XRP in 2024). This reserve is locked but can be recovered if you delete the account.

Q: Can I store XRP on Ledger?

Yes, Ledger hardware wallets fully support XRP. You can manage XRP through Ledger Live or connect your Ledger to Xaman for enhanced features.

1 XRP Wallet Reserve

The XRP Ledger requires a 1 XRP minimum reserve to activate a wallet address (reduced from 10 XRP in 2024). This amount is locked but recoverable if you delete the account.

📱 Xumm vs Xaman: What Changed?

Xumm was rebranded to Xaman in 2024. See our complete XRPL Wallets comparison → with setup guides, security features, and pros/cons for Xaman, Ledger, Crossmark, and more.

Hardware Wallets (Most Secure)

Ledger Nano X/S Plus

Hardware

Industry-leading hardware wallet with Bluetooth support. Manage XRP via Ledger Live or connect to Xaman.

+ Maximum security + Supports 5000+ coins + Bluetooth (Nano X)

Trezor Model T

Hardware

Premium hardware wallet with touchscreen. Supports XRP through third-party interfaces.

+ Open source + Touchscreen + Shamir backup

Mobile Wallets (Best for Daily Use)

Xaman

Mobile - iOS/Android

Official XRPL wallet by XRPL Labs (formerly XUMM). Native XRP support with DEX access and PayString.

+ Built for XRP + DEX trading + xApps ecosystem

Joey Wallet

Mobile - iOS/Android

All-in-one XRPL wallet with built-in DEX, NFT support, and WalletConnect. No KYC required, fully anonymous.

+ Built-in DEX + NFT support + No KYC + WalletConnect

Trust Wallet

Mobile - iOS/Android

Popular multi-chain wallet by Binance. Simple interface for XRP and other cryptocurrencies.

+ Multi-chain + User-friendly + DApp browser

Exodus

Mobile + Desktop

Beautiful design with built-in exchange. Available on mobile and desktop.

+ Great UI + Built-in swap + 24/7 support

Desktop Wallets

Exodus Desktop

Windows/Mac/Linux

Full-featured desktop wallet with portfolio tracking and built-in exchange.

+ Portfolio tracking + Trezor compatible + No account needed

Atomic Wallet

Windows/Mac/Linux

Decentralized wallet with atomic swap support and staking for other coins.

+ Atomic swaps + 500+ assets + Cashback rewards

Frequently Asked Questions

What is the best XRP wallet?

For maximum security, use a hardware wallet like Ledger. For daily transactions, Xaman and Joey Wallet are top choices - both built specifically for XRP with native XRPL features, DEX access, and no KYC requirements.

Is Xaman wallet safe?

Yes, Xaman (formerly XUMM) is developed by XRPL Labs and is non-custodial - you control your private keys. Enable all security features and only download from official app stores.

How much XRP do I need to open a wallet?

You need at least 2 XRP to activate an XRPL wallet address. This reserve is locked but can be recovered if you delete the account.

Can I store XRP on Ledger?

Yes! Ledger fully supports XRP. You can manage it through Ledger Live or connect your Ledger to Xaman for the best of both worlds - hardware security with Xaman's features.

Should I keep XRP on an exchange?

For long-term holding, self-custody wallets are recommended. Exchanges carry counterparty risk. "Not your keys, not your coins" - move significant holdings to a personal wallet.