Best XRP Wallet 2026

XRP wallets must support XRP Ledger addresses and destination tags — a required memo field for most exchanges.

💡 After choosing your wallet — buy XRP directly: swap BTC to XRP · swap ETH to XRP · swap USDT to XRP

Top XRP Wallets Compared

OUR PICK
Xumm (Xaman) Mobile
Official XRP Ledger wallet. Hardware key support, full xApp ecosystem. Free.
⭐⭐⭐⭐⭐ Best for: recommended
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Ledger Nano X Hardware
Best cold storage for large XRP holdings.
⭐⭐⭐⭐⭐ Best for: large amounts
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Trust Wallet Mobile
Multi-chain. Simple XRP support. Good for beginners.
⭐⭐⭐⭐ Best for: beginners
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Exodus Desktop/Mobile
Beautiful UI, built-in exchange, XRP support.
⭐⭐⭐⭐ Best for: everyday use
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Bithomp Web
XRP explorer + paper wallet generator. For advanced users.
⭐⭐⭐ Best for: advanced
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🔒 Security Tips for XRP Storage

→XRP addresses start with r — always include destination tag when sending to exchanges
→The 10 XRP reserve is locked in your wallet permanently — plan accordingly
→Never send XRP without a destination tag to exchanges — funds may be lost
→Xumm is built by the XRPL community — most feature-rich XRP wallet

FAQ — XRP Wallets

What is the XRP destination tag?
A number required by exchanges to identify your account. Without it, deposits may be lost. Not required for personal wallet-to-wallet transfers.
Is the 10 XRP reserve returned?
No — 10 XRP is permanently locked as account reserve on the XRP Ledger. It cannot be withdrawn.
Best XRP wallet for beginners?
Xumm (Xaman) on mobile — official, easy, full-featured.
Can I store XRP on Ledger?
Yes — Ledger Nano X supports XRP natively via the Ledger Live app.