XRPL.to
Insights

Best XRP Wallets in 2026

Compare hardware, mobile, and web wallets for the XRP Ledger. Find the right option for trading, holding, or both.

Quick Comparison

WalletTypeDEX TradingBest For
XRPL.toWebBuilt-inActive traders
Xaman (Xumm)MobileBuilt-inMobile users
Joey WalletMobileBuilt-inMobile DEX trading
CrossmarkBrowser ext.Via dAppsBrowser users
LedgerHardwareVia XamanLarge holdings
TangemCard walletVia appSimplicity

Detailed Reviews

XRPL.to Wallet

Web
Pros
  • + Built-in DEX swap and limit orders
  • + No app download needed
  • + Security fixes reach everyone instantly — no app-store review wait
  • + Portfolio dashboard with live data
  • + AI trading assistant
Cons
  • - No installed build — the site delivers the code fresh each visit
  • - Newer option

Xaman (formerly Xumm)

Mobile
Pros
  • + Mature and well-tested
  • + Built-in swap (Xaman Swap) on the XRPL DEX
  • + Strong security features
  • + Large dApp ecosystem (xApps)
  • + Push notifications for transactions
Cons
  • - Mobile-only

Joey Wallet

Mobile
Pros
  • + Built-in DEX swap powered by XRPL AMMs
  • + XRPL NFT support with rarity rankings
  • + Face ID / Touch ID and PIN protection
  • + Self-custody, or social login via Web3Auth
  • + Fiat on-ramp, no KYC required
Cons
  • - Mobile-only
  • - Newer than Xaman
  • - Social-login mode relies on Web3Auth infrastructure

Crossmark

Browser Extension
Pros
  • + Works like MetaMask for XRPL
  • + Connects to web dApps easily
  • + Clean interface
Cons
  • - Browser extension attack surface
  • - Smaller user base

Ledger (Nano S/X)

Hardware
Pros
  • + Offline signing — keys never touch an internet-connected device
  • + Supports multiple chains
  • + Battle-tested hardware
Cons
  • - Costs $79-149
  • - Less convenient for frequent trading
  • - Requires Xaman or Crossmark for DEX access

Tangem

Card Wallet
Pros
  • + NFC card form factor
  • + Very easy to use
  • + No battery needed
Cons
  • - Limited advanced features
  • - Must trust Tangem app

A note on "hardware is always safer": it is not a law of nature. In 2026, Coldcard hardware wallets lost roughly $88.6M across three attack waves because a firmware bug generated seeds with as little as ~40 bits of effective randomness instead of 128 — an air gap cannot save a key that was born weak. What actually decides safety is key generation and how the keys are held. Every wallet created here draws the full 128 bits the XRPL seed format allows; the full security architecture walks through that incident and our design.

Trading Fees and XRPL Ecosystem Support

Fees below are each service's own swap fee. Every on-ledger transaction also burns the network's transaction cost of about 0.000012 XRP — fractions of a cent, paid to no one.

Swap fee per trade — wallets with built-in DEX trading
XRPL.to
0.4%
Xaman
0.8%
Joey Wallet
0.8%

Half the fee of the other built-in options. Crossmark charges nothing itself (the connected dApp's fee applies); Ledger and Tangem have no direct XRPL DEX trading.

WalletSwap feeTokensNFTsDEX / AMMdApps
XRPL.to0.4%YesYesYes—
Xaman0.8%YesYesYesYes (xApps)
Joey Wallet0.8%YesYesYesYes (WalletConnect)
CrossmarkNone of its ownYesYesVia dAppsYes
Ledger—Via companionVia companionVia companionVia companion
Tangem—Yes (trustlines)———
  • XRPL.to charges 0.4% per swap; a referral link earns its owner half of that fee.
  • Xaman's own help center puts market trading via Xaman Swap at a 0.8% fee; sending, receiving, and trustlines are free below $50,000.
  • Joey Wallet charges 0.8% per swap — shown in the app at trade time; its documentation does not publish the figure.
  • Crossmark is a signing extension: trades execute on the dApp you connect to, so that dApp's fees apply.
  • Ledger Live handles plain XRP only; tokens, NFTs, and DEX access need a companion wallet such as Xaman or Crossmark, whose fees then apply.
  • Tangem's app manages XRPL trustlines and token balances, but by its own help center you "will not be able to see" NFTs or DEX orders.

Sources: Xaman Help Center, Tangem Help Center, crossmark.io, joeywallet.xyz. XRPL.to's fee is read from this platform's own swap implementation.

Which Wallet Should You Choose?

  • Active DEX traders - XRPL.to wallet for built-in swap, limit orders, and portfolio tracking
  • Mobile-first users - Xaman for a mature mobile experience with dApp support, or Joey Wallet for built-in DEX swaps and NFTs on your phone
  • Large holdings - Ledger for offline key storage, with Xaman as a companion
  • New to crypto - Tangem for the simplest setup, or XRPL.to for a guided web experience

You can use multiple wallets. Many traders keep large holdings on a Ledger and a smaller trading balance in an XRPL.to or Xaman wallet.

Get Started

Create a wallet and start trading on the XRPL DEX.

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