XRP, the digital asset powering the XRP Ledger (XRPL), has established itself as one of the most efficient and widely adopted cryptocurrencies in the financial technology space. Designed for fast, low-cost cross-border payments, XRP operates on an open-source, permissionless blockchain that enables seamless transaction processing. Unlike many cryptocurrencies that challenge traditional finance, XRP fosters collaboration with banks and financial institutions, offering a reliable infrastructure for secure and instant fund transfers—often outperforming legacy systems like SWIFT.
As adoption grows, securing your XRP becomes a top priority. Choosing the right wallet is essential to ensure safety, accessibility, and functionality. With numerous options available—from hardware and software wallets to custodial and non-custodial solutions—navigating the landscape can be overwhelming. This guide explores the 12 best XRP wallets in 2025, helping you make an informed decision based on security, ease of use, and advanced features.
Understanding XRP Wallet Types
Before diving into specific wallets, it's crucial to understand the different types of XRP wallets and their trade-offs.
Hardware Wallets
Hardware wallets are considered the gold standard for security. These physical devices store your private keys offline, protecting them from online threats like hacking and phishing. Brands like Ledger and Trezor support XRP and offer military-grade encryption. Even if connected to a compromised computer, your keys never leave the device. Recovery is possible via a seed phrase, making these ideal for long-term storage.
Software Wallets
Software wallets run on desktops, mobile devices, or web browsers. While convenient for frequent transactions, they are more vulnerable to cyberattacks since they’re connected to the internet. They come in three forms:
- Desktop wallets: Full control over funds but risk loss if the device is hacked.
- Mobile wallets: Great for everyday spending and in-store payments.
- Web wallets: Accessible from any device but often require trust in third-party providers.
Paper Wallets
A paper wallet is a form of cold storage where your public and private keys are printed on paper, often as QR codes. It’s immune to online hacks but susceptible to physical damage or loss. Once you use a device to access funds from a paper wallet, it becomes temporarily exposed to digital threats.
Each wallet type offers unique benefits. When selecting an XRP wallet, prioritize security, usability, and multi-currency support—especially if you plan to manage other digital assets alongside your XRP.
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Top 12 XRP Wallets in 2025
1. Uphold
Uphold is a multi-asset wallet supporting XRP alongside traditional currencies, metals, and other cryptocurrencies. As a custodial wallet, it simplifies trading across asset classes with no hidden fees.
Key Features:
- Custodial security with regulated oversight
- AutoPilot feature for automated recurring transactions
- Seamless fiat-to-crypto exchange
- Available on web, iOS, and Android
Ideal for users who want an all-in-one financial platform with integrated XRP support.
2. Atomic Wallet
Atomic Wallet gives users full control over their private keys while supporting over 300 tokens, including XRP. Its decentralized exchange allows direct swaps within the app.
Key Features:
- Non-custodial software wallet
- Built-in DEX for swapping 100+ cryptocurrencies
- Multi-platform support (web, iOS, Android, Linux)
- No transaction fees beyond network costs
Perfect for traders seeking flexibility and autonomy without sacrificing usability.
3. Trust Wallet
A popular open-source mobile wallet, Trust Wallet securely stores XRP and enables interaction with decentralized applications (dApps) through its built-in Web3 browser.
Key Features:
- Non-custodial design
- Intuitive interface for beginners
- Direct dApp access via Web3 browser
- Supports iOS and Android
A go-to choice for users exploring DeFi ecosystems on the XRP Ledger.
4. Freewallet
Freewallet offers a user-friendly interface for storing and exchanging over 100 cryptocurrencies, including XRP.
Key Features:
- Software wallet with mobile and desktop versions
- Integrated fiat-to-crypto exchange
- Multi-currency support
- Simple onboarding process
Best suited for casual users looking for convenience and quick access.
5. Exodus
Exodus supports over 260 digital assets, including XRP, with an elegant interface and strong privacy protections.
Key Features:
- Non-custodial wallet with desktop and mobile apps
- Integrated exchange for seamless trading
- Trezor hardware wallet compatibility
- Real-time portfolio tracking
Exodus also requires a minimum 10 XRP reserve to comply with XRPL’s account requirements—a small price for its rich feature set.
6. Xumm
Xumm is a dedicated non-custodial mobile wallet for the XRP Ledger ecosystem.
Key Features:
- Full support for XRP Ledger tokens and dApps
- Multi-signature and two-factor authentication (2FA)
- Create multiple XRPL accounts
- Retail-focused features like loyalty points and micropayments
Xumm stands out as the most XRPL-native wallet, ideal for developers and active users within the ecosystem.
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7. GateHub
GateHub functions as both a wallet and exchange platform with robust security measures.
Key Features:
- AES-256 encryption and $100,000 theft insurance via Coincover
- Real-time portfolio analytics
- Built-in payment gateway supporting USD and other fiat currencies
- Web-based interface
A solid option for investors who want advanced tools combined with secure storage.
8. Coin Wallet
Coin Wallet emphasizes security with client-side encryption and FIDO-certified 2FA.
Key Features:
- High-security standards with biometric login
- Supports multiple languages and currencies
- Available on web, iOS, Android, and Linux
- No fees beyond blockchain network costs
Great for privacy-conscious users who value strong authentication.
9. YouHodler
YouHodler blends wallet functionality with CeDeFi (Centralized-Decentralized Finance) services like lending and staking.
Key Features:
- Multi-signature custody with $150 million crime insurance
- PCI-compliant security standards
- Crypto-backed loans and yield-generating products
- Beginner-friendly design
Best for users interested in growing their holdings beyond simple storage.
10. Coinomi
Launched in 2014, Coinomi is one of the oldest non-custodial wallets supporting over 1,770 assets across 125+ blockchains.
Key Features:
- Single seed phrase for all supported coins
- No transaction fees (only network fees apply)
- Built-in exchange aggregator
- Available on all major platforms
Its longevity and transparency make it a trusted name in the crypto community.
11. D’CENT Wallet
D’CENT offers both hardware and software solutions with biometric authentication—the first of its kind from South Korea.
Key Features:
- Biometrically secured cold storage
- dApp browser for DeFi and betting platforms
- NFT support on Ethereum-based chains
- Simple name-based sending via ENS/RNS
A cutting-edge option combining top-tier security with modern usability.
12. Bit2Me
Bit2Me is a European-focused crypto suite offering a multi-currency wallet with growing support.
Key Features:
- Supports 115+ cryptocurrencies including XRP
- Integrated DEX platform
- Multilingual customer support
- Mobile apps for iOS and Android
Popular among Spanish-speaking markets but accessible globally.
Frequently Asked Questions (FAQ)
Q: Can I store XRP on any cryptocurrency wallet?
A: No. Not all wallets support XRP due to the unique requirements of the XRP Ledger, such as a minimum account balance of 10 XRP. Always verify compatibility before transferring funds.
Q: What is the safest way to store XRP?
A: Hardware wallets like Ledger (used with Exodus or other interfaces) offer the highest level of security by keeping private keys offline.
Q: Do I need 10 XRP to create a wallet?
A: Yes. The XRP Ledger requires a reserve of 10 XRP to activate an account. This prevents spam and ensures network stability.
Q: Are custodial wallets safe for storing XRP?
A: Custodial wallets like Uphold or GateHub are generally secure but involve trusting a third party with your keys. For maximum control, choose non-custodial options.
Q: Can I earn interest on my XRP?
A: Some platforms like YouHodler offer interest-bearing accounts or lending services for XRP holders, though risks vary by provider.
Q: Is it safe to use mobile wallets for large amounts of XRP?
A: Mobile wallets are convenient but less secure than hardware solutions. For large holdings, consider using cold storage instead.
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Final Thoughts
XRP remains one of the most functional and institutionally embraced digital assets today. Its ability to facilitate rapid, low-cost international payments makes it a valuable addition to any investment portfolio. However, owning XRP comes with the responsibility of securing it properly.
Whether you're a beginner or an experienced user, choosing the right XRP wallet depends on your priorities: security, ease of access, dApp integration, or multi-chain support. From non-custodial powerhouses like Coinomi and Atomic Wallet to hardware-integrated solutions like Exodus, there’s a wallet tailored to every need.
Remember to always back up your seed phrase, enable two-factor authentication, and avoid sharing sensitive information online. With the right tools and practices, you can confidently manage your XRP holdings in 2025 and beyond.
By focusing on security, user experience, and ecosystem compatibility, you’ll be well-equipped to protect and grow your digital wealth in the evolving world of blockchain finance.
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