Popular Wallets
A survey of commonly used wallets for holding and interacting with XRP, across custodial, software, and hardware categories.
This is a descriptive survey of well-known options, not an endorsement or security audit of any product. Wallet software changes over time — independently verify you are downloading official, current software directly from an official source before installing anything or entering a recovery phrase.
Dedicated XRPL non-custodial wallets
Xaman (formerly known as Xumm) is the most widely used dedicated, non-custodial mobile wallet built specifically for the XRP Ledger. Because it's purpose-built for the XRPL rather than a generic multi-chain wallet, it tends to offer deeper support for XRPL-specific features — trust lines, the native DEX, NFTs, and signing requests generated by third-party XRPL apps — than more general-purpose wallets typically do.
Hardware wallets
Ledger hardware devices support XRP, allowing private keys to be generated and stored on an offline physical device while still being usable for signing transactions through companion software — a common choice for holders who want cold storage (see Wallets Overview) without giving up the ability to transact when needed.
General-purpose multi-chain wallets
A number of general-purpose, multi-chain non-custodial wallets — supporting many different blockchains, not just the XRPL — also support XRP, offering convenience for users who hold assets across multiple networks, typically at the cost of somewhat shallower support for XRPL-specific advanced features compared to a dedicated XRPL wallet.
Exchange (custodial) wallets
Every major exchange that lists XRP (see Exchanges) provides its own custodial wallet as part of the trading account — convenient for active traders, but subject to the custodial tradeoffs described in Wallets Overview.
Gateways and issuer-linked wallets
Some XRPL-native services, historically referred to as "gateways," combine wallet functionality with the ability to issue or redeem trust-line-based assets — relevant for users who want to hold tokenized currencies or other issued assets on the XRPL directly, not just XRP itself.
What to check before choosing
- Whether the project is actively maintained and has a track record.
- Whether it is open source, allowing independent security review.
- Whether it clearly separates custodial and non-custodial functionality, so you know exactly who controls your keys at every step.