If you still store XRP on a centralised exchange, it’s time to take control. The best XRP wallets let you self-custody your funds, interact with on-chain apps, and sleep easier knowing no third party can freeze your assets. In this guide you’ll learn:

• The difference between hot and cold XRP wallets
• Which XRPL wallets top the list in 2025
• Simple security habits that keep your recovery phrase - and your XRP - safe

🚨 Security Reminder: Never share your recovery phrase or private keys. Legitimate wallet teams will never ask for them.

New to wallets?

Before diving in, you may want to brush up on the basics:

• What’s a crypto wallet? →
• How is a crypto wallet different from a centralized exchange? →
• Crypto Wallets and Addresses FAQ →

Once you understand the role of wallets in crypto, you’re ready to choose one that fits how you want to use your XRP.

What Makes a Wallet “XRPL‑Compatible”?

The XRP Ledger (XRPL) operates differently from blockchains such as Bitcoin or Ethereum. A wallet is XRPL‑compatible when it can:

• Generate XRPL‑native addresses
• Sign and broadcast XRPL transactions (payments, trust lines, account settings)
• Display XRPL‑specific data such as the base reserve and issued tokens

If you plan to use on‑chain apps or simply want smooth deposits and withdrawal, pick a wallet built for XRPL.

Self‑Custody vs. Exchange Custody

When you leave XRP on a CEX, the platform controls the private keys. Outages, hacks or insolvency can lock you out with zero warning. Self‑custody flips that risk: you hold the keys and approve every transaction. It’s the only way to:

• Guarantee 24/7 access to your funds
• Participate in XRPL DeFi, NFTs and new sidechains
• Avoid counter‑party failures like the 2022 exchange collapses

Hot wallets vs. cold wallets

• Hot wallets are connected to the internet and ideal for regular use. They’re great for exploring apps, sending payments, and testing out new tools on XRPL.
• Cold wallets store your keys completely offline. They offer the highest level of security for long-term holdings. Note: While it is possible to sign onchain transactions directly using a hardware wallet, the setup can be complex - it’s best to start simple.

Pro Tip: Keep a small "spending" balance in a hot wallet to explore XRPL. Store the majority of your XRP in cold storage.

Top XRPL Wallets

Here are some the best hot wallets for managing XRP on XRPL today:

Crossmark (Desktop)

Ideal for: Desktop users who spend time on XRPL DeFi.

Crossmark is a Chromium browser extension purpose‑built for XRPL.

• XRPL‑first design: Sign payments, trades and identity requests natively
• One‑click dApp access: Works seamlessly with on‑chain swaps and token issuers
• Open source: Code is publicly auditable

Read the Crossmark setup guide →

Xaman (Mobile)

Ideal for: Beginners who want an “all in one” XRPL wallet.

Xaman (formerly Xumm) remains the flagship mobile wallet.

• Multi‑chain: Switch between the XRP Ledger and Xahau sidechain
• Multiple accounts: Manage individual wallets for spending vs. savings
• In‑app dApp browser: Discover tokens and sign transactions without leaving the app

Read the Xaman setup guide →

Joey (Mobile)

Ideal for: Users who value minimum data exposure.

Joey Wallet champions privacy on mobile.

• Zero analytics: No identifiable data collected
• Built‑in Web3 browser: Connect to XRPL dApps via Deep Links
• Biometric unlock: Face ID / fingerprint supported

Girin (Mobile)

Ideal for: Web3 newcomers who dislike seed‑phrase anxiety

Girin Wallet offers social‑login convenience without ceding keys.

• Social sign‑in: Google, Apple or email login pairs with local key encryption
• Interoperability: Supports The Root Network alongside XRPL
• NFT‑ready: Easy viewing and transfer of XRPL NFTs

Cold Wallets for XRPL

If you’re planning to hold XRP long-term and prioritize security above all else, consider setting up a cold wallet.

Note that it takes a bit of setup to sign transactions onchain with a cold wallet - so if you're looking to explore onchain apps, we recommend starting with Xaman or Crossmark.

• Tangem Cards - Secure, card-based wallets that work offline. You can link Tangem to Xaman to sign transactions while keeping your keys off your phone.
• Ledger - A well-known hardware wallet brand that supports XRP for secure storage.
• D'Cent - A hardware wallet with a built-in screen and biometric security. While it’s a solid option for secure storage, not all XRPL dApps support it, so it’s best suited for holding rather than interacting onchain.

XRP Wallet Security Tips

• Write (not screenshot) your seed phrase. Digital photos can sync to the cloud.
• Enable face or fingerprint unlock on mobile wallets.
• Bookmark official dApps to avoid phishing clones.
• Use a fresh email when possible to reduce social‑engineering risk.
• Test small transactions after every major update or address change.