When it comes to securely managing your digital assets, choosing the right cryptocurrency wallet is essential—especially for a widely used coin like XRP (Ripple). As one of the top cryptocurrencies by market capitalization, XRP operates on its own unique blockchain, the XRP Ledger (XRPL), which means not all wallets support it. This guide explores the best XRP-compatible wallets available today, helping you store, send, and receive XRP with confidence.
Whether you're a long-term holder or an active trader, understanding wallet types—hot vs. cold, custodial vs. non-custodial, and software vs. hardware—is crucial for protecting your investment.
What Is an XRP Wallet?
An XRP wallet is a digital tool that allows users to interact with the XRP Ledger. Unlike Ethereum-based tokens, XRP does not run on the Ethereum network, so standard ERC-20 wallets like MetaMask do not natively support XRP unless connected to a compatible bridge or sidechain.
👉 Discover secure ways to manage your XRP and other crypto assets.
XRP wallets generate public and private keys:
- The public key acts as your wallet address (e.g.,
r4EwBWmrt5ZJcj15i2fucpR4ZexaR1dRva) used to receive funds. - The private key grants full access to your funds—never share it.
Always remember: “Not your keys, not your crypto.” Using a self-custody wallet gives you full control over your XRP.
Types of XRP Wallets
1. Software Wallets (Hot Wallets)
These are apps or browser extensions connected to the internet. They’re convenient for daily transactions but less secure than offline options.
Popular software wallets for XRP include:
- Trust Wallet
- TokenPocket
- SafePal
- Coinhub
These wallets often support multiple blockchains and integrate with decentralized applications (dApps). They’re ideal for users who trade frequently or use DeFi platforms.
2. Hardware Wallets (Cold Wallets)
Hardware wallets store private keys offline on physical devices, making them highly resistant to hacking.
Top hardware options:
- Ledger Nano S/X
- Trezor Model T
While Ledger supports XRP through apps like Xaman or Trust Wallet integration, Trezor requires third-party wallet connections. Cold storage is recommended for holding large amounts of XRP long-term.
3. Web-Based Wallets
Web wallets like Xaman and GateHub provide easy access via browsers. They’re user-friendly but rely on server security. Some offer custodial services, meaning the provider holds your keys.
For maximum security, pair web wallets with two-factor authentication (2FA) and avoid saving login details on shared devices.
Can You Use MetaMask for XRP?
A common question among users is: Can you use MetaMask to store XRP?
The short answer: No, not natively.
MetaMask is designed primarily for Ethereum and EVM-compatible chains. Since XRP runs on its own ledger, MetaMask cannot directly send or receive native XRP.
However, there are indirect methods:
- Use bridged versions of XRP (like ERC-20 wrapped XRP) on Ethereum.
- Connect MetaMask to cross-chain platforms that support XRP pegs.
But beware: wrapped tokens carry counterparty risk and depend on bridge operators. For true XRP ownership, use a dedicated XRPL-compatible wallet.
👉 Learn how multi-chain wallets simplify asset management across networks.
Top Recommended XRP Wallets in 2025
1. Xaman Wallet
- Type: Web & Mobile
- Features: Built-in exchange, staking (for XRPL validators), fiat on-ramps
- Security: Non-custodial, optional 2FA
- Best for: Beginners and intermediate users
Xaman offers a sleek interface and direct integration with the XRPL, making it one of the most trusted choices.
2. Trust Wallet
- Type: Mobile App
- Features: Multi-chain support, DApp browser, Binance integration
- Security: Self-custody, recovery phrase protected
- Supports XRP via native XRPL integration
Available on iOS and Android, Trust Wallet allows seamless transfers and interaction with blockchain services.
3. Ledger (with Xaman or Trust Wallet)
- Type: Hardware + Companion App
- Security: Military-grade chip, offline signing
- Setup: Install Ledger Live, add XRP app, link to supported interface
This combo delivers enterprise-level protection for serious investors.
4. SafePal
- Type: Hardware & Software
- Features: QR code transfers, encrypted backups
- Security: Air-gapped technology for hardware version
SafePal supports over 100 blockchains, including XRPL, and offers affordable cold storage solutions.
Key Factors When Choosing an XRP Wallet
To make an informed decision, consider these criteria:
| Factor | Why It Matters |
|---|
(Note: No tables allowed per instructions — converting to prose)
When evaluating an XRP wallet, focus on these key factors:
- Security: Look for non-custodial options with strong encryption and backup features like seed phrases.
- Ease of Use: A clean UI helps prevent mistakes during transactions.
- Multi-Chain Support: If you hold various cryptos, choose a wallet that supports multiple blockchains.
- Customer Support: Reliable help channels can save you during emergencies.
- Fees: Some wallets charge higher network fees or exchange markups.
- Reputation: Research community feedback and audit history.
Frequently Asked Questions (FAQ)
Can I store XRP on any crypto wallet?
No. Only wallets that support the XRP Ledger (XRPL) can store native XRP. Always verify compatibility before transferring funds.
Is it safe to keep XRP on an exchange?
While convenient, exchange wallets are custodial—meaning you don’t control the private keys. Leaving large amounts on exchanges increases exposure to hacks. Withdraw to a personal wallet for better security.
How do I recover my XRP wallet if I lose my device?
As long as you have your 12- or 24-word recovery phrase, you can restore access on any compatible wallet app. Never store this phrase digitally.
Does Ripple have an official wallet?
Ripple Inc. does not maintain an official consumer wallet. However, they endorse several third-party wallets like Xaman and support open-source development on XRPL.
What is the minimum balance required to activate an XRP wallet?
The XRPL requires a reserve requirement of 10 XRP to activate an account. Additional trust lines or offers may require incremental reserves.
Can I earn interest on my stored XRP?
Yes. Some platforms offer staking-like rewards through liquidity provision or delegation to validators. Use trusted services and understand the risks involved.
👉 Explore platforms that support XRP savings and yield opportunities.
Final Thoughts
Choosing the right XRP wallet depends on your usage needs—whether you prioritize convenience, security, or multi-chain functionality. For everyday use, mobile wallets like Trust Wallet or Xaman offer excellent balance. For long-term holdings, pairing a Ledger device with an XRPL-compatible interface provides top-tier protection.
Always conduct due diligence before selecting a wallet, and never share your seed phrase. With the right tools and knowledge, managing your XRP can be both secure and straightforward.
By staying informed and using trusted solutions, you empower yourself in the evolving world of digital finance—where control, privacy, and accessibility go hand in hand.