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Best XRP Wallets in 2026
Storing XRP safely requires a wallet that supports the XRP Ledger (XRPL). Here are the best options, tested by our team — from premium hardware wallets to free mobile options.
Top XRP wallets compared (2026)
| Wallet | Type | XRP Ledger | DEX Support | Price |
|---|---|---|---|---|
| Ledger Nano X | Hardware | Yes | Yes | $149 |
| Ledger Nano S Plus | Hardware | Yes | Yes | $79 |
| Tangem Wallet | Hardware (card) | Yes | No | ~$54 |
| Xaman (XUMM) | Mobile (Software) | Yes | Yes | Free |
| Trust Wallet | Mobile (Software) | Yes | No | Free |
1. Ledger Nano X — Best Hardware Wallet for XRP
The Ledger Nano X is our top pick for users holding significant amounts of XRP. Your private keys never leave the device, making it immune to online attacks. It supports 5,500+ crypto assets and connects via Bluetooth to the Ledger Live mobile app.
- Maximum security — keys never leave device
- Supports 5,500+ crypto assets including XRP
- Bluetooth for mobile use
- Access to Ledger Live app
- Costs $149
- Can be lost or damaged (keep your seed phrase safe)
- Requires physical access to sign transactions
2. Ledger Nano S Plus — Best Budget Hardware Wallet
The Ledger Nano S Plus offers the same security architecture as the Nano X at nearly half the price. No Bluetooth — USB-C only — but an excellent choice if you don’t need mobile connectivity.
- Same Secure Element chip as Nano X
- Supports 5,500+ assets including XRP
- $79 — best value hardware wallet
- No Bluetooth battery concerns
- No Bluetooth — USB-C only
- Smaller screen than Nano X
3. Tangem Wallet — Best Card-Form Hardware Wallet
Tangem takes a radically different approach: instead of a USB device, it’s a credit-card-sized NFC smart card. Tap it to your phone to sign transactions — no battery, no cables, no screen. The private key is generated and stored inside the card’s secure chip and never leaves it.
Tangem sells its wallet as a 2-card or 3-card pack so you have backup cards if one is lost or damaged. Each card is a standalone key store — they are backups of each other.
- No battery — lasts 25+ years
- Water and dust resistant (IP68)
- Compact card form factor — fits in your wallet
- NFC tap-to-sign via smartphone app
- Very affordable (~$54 for 2 cards)
- No screen — relies on paired app for all display
- No XRPL DEX access (basic XRP storage only)
- Less widely known than Ledger
- Requires NFC-capable smartphone
4. Xaman (XUMM) — Best Free XRP Wallet
Xaman (formerly XUMM) is purpose-built for the XRP Ledger. It supports NFTs, the XRPL DEX, and multi-signing — features no other mobile wallet matches for XRP. As a software wallet, it’s best suited for smaller amounts or active XRPL users.
- Purpose-built for XRPL
- Supports XRPL DEX, NFTs, multi-sign
- Free to use
- Great UX for beginners
- Mobile only (no desktop app)
- Software wallet — less secure than hardware
- Relies on third-party nodes
Which XRP Wallet Should You Choose?
For large holdings ($500+): Ledger Nano X or Nano S Plus — best-in-class security. For portability: Tangem — the card fits in your wallet and needs no charging. For XRPL power users: Xaman — DEX access, NFTs, and multi-sign are unmatched.
This guide is for informational purposes only and does not constitute financial advice.
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