8 Best XRP Wallets in 2026 (Self-Custody, Mobile, Hardware)

XRP runs on its own network, the XRP Ledger (XRPL), and that changes what "best wallet" means. The best XRP wallets handle the XRPL's quirks (reserves, destination tags, trust lines) without making you think about them, and keep your keys safe while they do it. We ranked the eight below on XRPL support, security, and how easy they are to live with.

Quick look: the best XRP wallets

The best XRP wallets

Xaman

Best overall, built for the XRP Ledger

Xaman (formerly Xumm) is the wallet the XRP community built for itself. It's a free, self-custody mobile wallet designed around the XRPL, so trust lines, the built-in decentralized exchange, destination tags, and account reserves are all first-class features rather than afterthoughts. It also connects to the XRPL's growing ecosystem of apps through a sign-in standard most of them support.

Price: Free (optional Pro subscription and physical Xaman Card)

XRP-only or multi-coin: XRPL-only (XRP plus any token issued on the XRP Ledger)

XRPL features: Trust lines, built-in DEX, destination tags, reserves shown in-app

CoinLedger rating: 4.8 stars

Why didn't Xaman get a higher rating?: It only covers the XRPL, so you'll need another wallet for Bitcoin or Ethereum, and it's mobile-only.

Pros

• Built specifically for the XRP Ledger
• Handles reserves, tags, and trust lines cleanly
• Large community and the standard sign-in for XRPL apps

Cons

• XRPL-only
• No desktop app

Ledger Nano S Plus

Best hardware wallet for XRP

The Ledger Nano S Plus keeps your XRP keys on a secure chip that never touches the internet. You manage XRP in Ledger Live, or pair the device with Xaman to get Xaman's XRPL features with Ledger's security. It's the most common setup for holders storing XRP long-term.

Price: $79 (frequently on sale for $59)

XRP-only or multi-coin: Multi-coin (5,000+ assets)

XRPL features: Send, receive, and hold XRP; destination tags supported; pairs with Xaman for trust lines and DEX

CoinLedger rating: 4.7 stars

Why didn't Ledger get a higher rating?: Closed-source firmware, and the S Plus has no Bluetooth.

Pros

• Industry-standard hardware security
• Pairs with Xaman
• Widest coin support if you hold more than XRP

Cons

• Closed-source firmware
• Desktop-only without a newer model

See Ledger vs. Trezor for a head-to-head.

Trezor Safe 3

Best open-source hardware wallet

The Trezor Safe 3 supports XRP on open-source hardware with a secure chip, passphrases, and Shamir backups. XRP support lives in the Trezor Suite app, and third-party wallets like Exodus can use a Trezor as the signing device.

Price: $79 (recently discounted to $59)

XRP-only or multi-coin: Multi-coin (1,000+)

XRPL features: Send, receive, and hold XRP with destination tags; no native trust-line management

CoinLedger rating: 4.5 stars

Why didn't Trezor get a higher rating?: XRP support is more basic than Xaman-plus-Ledger, and the Safe 3's two-button screen is small.

Pros

• Fully open-source
• Privacy features in Trezor Suite
• Pairs with Exodus

Cons

• Basic XRPL feature set
• Small screen and buttons

Tangem

Easiest hardware wallet

Tangem is a hardware wallet shaped like a bank card. Tap it to your phone to approve a transaction; there's no screen, cable, or battery, and the spare cards in the set are your backup. It supports XRP out of the box.

Price: From $54.90 for a two-card set

XRP-only or multi-coin: Multi-coin (thousands across 80+ blockchains)

XRPL features: Send, receive, hold, destination tags; trust lines for XRPL tokens

CoinLedger rating: 4.5 stars

Why didn't Tangem get a higher rating?: No screen to verify transaction details, and if you lose every card without a seed phrase, your XRP is gone.

Pros

• Easiest hardware wallet to set up
• Affordable
• Nothing to charge or update!

Cons

• No screen
• You must protect every backup card

Trust Wallet

Best free multichain wallet

Trust Wallet supports XRP alongside 100+ other blockchains, which makes it a good pick if XRP is one of several coins you hold and you want them in one free app.

Price: Free

XRP-only or multi-coin: Multi-coin (100+ blockchains)

XRPL features: Send, receive, hold, destination tags

CoinLedger rating: 4.3 stars

Why didn't Trust Wallet get a higher rating?: XRPL features are basic, the app is owned by Binance, and it lacks authenticator-app 2FA.

Pros

• Huge chain and token support
• Simple send, receive, and swap
• Free browser extension

Cons

• Basic XRP features
• Owned by a centralized exchange

Exodus

Best interface, pairs with Trezor

Exodus is the prettiest wallet on this list, with a portfolio view, charts, and built-in swaps on desktop and mobile. It supports XRP, and when you're ready for cold storage it pairs with a Trezor.

Price: Free

XRP-only or multi-coin: Multi-coin (250+)

XRPL features: Send, receive, hold, destination tags

CoinLedger rating: 4.4 stars

Why didn't Exodus get a higher rating?: Closed-source, and built-in swap fees are high.

Pros

• Cleanest interface on this list
• Desktop and mobile in sync
• Trezor integration

Cons

• Closed-source
• Swap fees are high

Uphold

Best for buying XRP in the US

Uphold is a custodial app, so it holds your keys, but it has been one of the most reliable places for US residents to buy XRP, including through the period when some exchanges delisted it. Recurring buys take a few taps, and you can withdraw to any wallet above.

Price: Free to hold (spread of roughly 1.4%–1.6% on buys and sells)

XRP-only or multi-coin: Multi-coin (300+)

XRPL features: Buy, sell, withdraw with destination tag

CoinLedger rating: 4.1 stars

Why didn't Uphold get a higher rating?: Custodial, and the spread is higher than a pro exchange.

Pros

• Easy US on-ramp for XRP
• Recurring buys
• Withdraw to self-custody any time

Cons

• You don't hold the keys
• Higher spread

Crypto.com

Best all-in-one app with XRP

Crypto.com lets you buy, hold, and sell XRP in a polished mobile app alongside 350+ other coins, with a rewards debit card on the side. It's custodial, so move larger holdings to a self-custody wallet.

Price: Free to hold (spread of roughly 0.5%–1% in-app)

XRP-only or multi-coin: Multi-coin (350+)

XRPL features: Buy, sell, withdraw with destination tag

CoinLedger rating: 4.2 stars

Why didn't Crypto.com get a higher rating?: Custodial, and spread-based pricing is hard to see before you confirm.

Pros

• Excellent mobile experience
• Wide coin selection
• Visa card with crypto cashback

Cons

• You don't hold the keys
• Less transparent pricing

Where is the best place to store XRP?

It depends on how much you hold and how often you move it.

• Holding for years: a hardware wallet (Ledger, Trezor, or Tangem). Pair a Ledger with Xaman and you get XRPL features plus cold storage.
• Using XRP regularly: Xaman. It's self-custody, XRPL-native, and free.
• Small amounts you're actively buying: leave them on Uphold or Crypto.com for now, and move them once the balance matters to you.

Remember, an exchange holds your keys. If it freezes withdrawals or fails, your XRP is stuck. For more, see the best cold storage wallets.

Is there an official XRP wallet?

No. The XRP Ledger is open-source, and there's no "official" wallet from Ripple. The community directory at xrpl.org lists wallets that support the ledger, and Xaman is the de-facto standard for XRPL-native features. Anyone claiming to offer the "official Ripple wallet" is almost certainly running a scam.

What is the XRP reserve, and why does my wallet show 1 XRP locked?

Every account on the XRP Ledger must hold a minimum balance to stay active. This is the base reserve, currently 1 XRP. On top of that, each object your account owns on the ledger (a trust line to a token, an open DEX offer, an escrow) adds an owner reserve of 0.2 XRP.

That's why you can't send your last 1 XRP, and why the first deposit to a brand-new wallet must be at least 1 XRP or it won't activate. The reserve isn't a fee. It stays yours, and you get the owner reserve back when you close a trust line. Xaman shows your reserve in the app; most multi-coin wallets don't explain it at all.

What is a destination tag, and when do I need one?

A destination tag is a short number that tells an exchange which customer a deposit belongs to. Exchanges share one XRP address across all their users, so the tag is how Coinbase or Kraken knows the XRP is yours.

You need a destination tag whenever you send XRP to an exchange. You don't need one when sending to your own Xaman, Ledger, or Trezor wallet. Remember, if you forget the tag on an exchange deposit, the XRP can be delayed or lost. Every wallet on this list supports tags, but always copy the tag and the address together from the exchange's deposit screen.

How do I choose an XRP wallet?

Four questions narrow it down.

Do you want XRPL-native features? If you'll hold XRPL tokens, use the DEX, or try XRPL apps, you want Xaman (with or without a Ledger behind it). If you just hold XRP, any wallet here works.

How much are you holding? Past a few hundred dollars, move to a hardware wallet.

Do you hold other coins? Multi-coin wallets (Ledger, Trust, Exodus, Tangem) save you juggling apps. Xaman is XRPL-only.

How will you recover it? Standard 12- or 24-word seed phrases are portable. Tangem's card backups are easier but tie you to Tangem.

How do I keep my XRP safe?

Back up your secret (seed phrase or family seed) offline. Paper or metal, never a screenshot.

Download Xaman only from xaman.app or the official app stores. Fake Xaman apps and "XRP airdrop" sites are the most common XRP scams.

Ignore airdrop and giveaway messages. Nobody legitimate needs your secret key to send you XRP.

Use a hardware wallet for the bulk of it. See Bitcoin wallet security and how to avoid crypto scams for the full checklist.

Do I owe taxes on XRP?

Buying XRP with dollars isn't taxable. Neither is holding it, or moving it from Uphold to your Ledger! You owe capital gains tax when you dispose of XRP: selling it for dollars, swapping it for another coin, or spending it.

Starting with tax year 2025, US exchanges report your XRP sales to the IRS on Form 1099-DA. For 2025 transactions the form shows proceeds but not cost basis, and it never knows what you paid on a different platform.

If you find yourself in this situation, don't panic. You can report your correct cost basis on Form 8949 as long as you have records. It's important to note that since 2025 the IRS expects cost basis tracked wallet by wallet, so keep the purchase record attached to the XRP as it moves. See our guides to crypto cost basis and wallet-to-wallet transfers, or the complete guide to crypto taxes. Weighing XRP against Bitcoin? See XRP vs. Bitcoin.

How do I track XRP across wallets?

If your XRP is split between an exchange, Xaman, and a Ledger, you need one place that sees all three. CoinLedger's free portfolio tracker connects to XRPL wallets by public address (never your secret key) and to exchanges like Uphold and Coinbase directly, and tracks your balance and cost basis per wallet. For other options, see the best crypto portfolio trackers.

Track your XRP from Xaman to Ledger, and its cost basis

Self-custody means you keep your own keys, and now, your own tax records. CoinLedger connects your XRPL wallets and your exchange accounts, follows your cost basis through every transfer, and generates the forms you need when you finally sell.

More than 700,000 investors use CoinLedger to track their crypto and file in just minutes. Portfolio tracking is free, and you only pay when you download your tax report!

Get started with a free CoinLedger account today.