XRP Wallet Guide: The Best XRP (Ripple) Wallets in 2026
An XRP wallet does not hold coins: it holds the secret key that controls an account on the XRP Ledger. For most people that means Xaman or Joey on a phone, a web wallet or browser extension on a computer, and a hardware wallet for savings. Every wallet below leaves the key with you; they differ in where they run, what they charge to trade, and how much of the XRP Ledger they show.
The short answer
- On a phone: Xaman (formerly Xumm), or Joey, which also buys and sells XRP through MoonPay.
- On a computer: a web wallet such as xrpl.to (nothing to install, the lowest swap fee here), or a browser extension such as Crossmark to sign for XRP Ledger websites.
- For savings: a hardware wallet such as a Ledger, or a Tangem card. The key never leaves the device. Our XRP cold wallet guide covers every one that holds XRP.
- To earn on XRP: no wallet can stake XRP, because the XRP Ledger has no staking (below).
XRP wallets compared
| Wallet | Runs on | Who holds the key | Swap fee | XRPL tokens | NFTs | Hardware | Best for |
|---|---|---|---|---|---|---|---|
| xrpl.to | Web: any browser, computer or phone | On your device, encrypted in the browser | 0.4% | Yes | Yes | Ledger, and YubiKey protection | Trading on a computer |
| Xaman | iPhone and Android; signs in to websites from the phone | On your phone | 0.8% | Yes | Yes | Xaman cards (made by Tangem) | Everyday use on a phone |
| Joey | iPhone and Android | On your phone, or a Web3Auth social login | Not published | Yes | Yes | — | Phone trading and NFTs |
| Crossmark | Chrome extension | In the extension | None of its own | Through websites | Through websites | — | Using XRPL websites |
| GemWallet | Browser extension, open source | In the extension | None of its own | Through websites | Through websites | — | Using XRPL websites |
| Ledger | Hardware: Nano Gen5, Flex, Stax | On the device | No XRPL trading | Through xrpl.to | Through xrpl.to | Is one | Savings |
| Tangem | Card or ring with a phone app | On the card’s chip | No XRPL trading | Yes | No | Is one | Simple savings |
- xrpl.to keeps the key encrypted in your browser and never on a server; a Ledger can sign instead, and on a computer a YubiKey can be required to unlock.
- Xaman signs in to XRP Ledger websites by scanning a code with the phone. Its fee and what it has collected: Xaman’s service fees; the rest of the app: Xaman wallet review.
- Joey trades through the XRP Ledger’s own pools, shows NFTs, sells and buys XRP through MoonPay, and connects to websites with WalletConnect. Its browser extension is announced but not out.
- GemWallet is open source; its last release was version 3.8.2, in December 2024.
- Ledger’s own app, Ledger Wallet (formerly Ledger Live), holds XRP but does not trade XRP Ledger tokens; connect the device to xrpl.to to trade with it.
- Tangem holds XRP and XRP Ledger tokens, but its NFT support covers 13 other networks and not the XRP Ledger.
What trading costs
A swap fee is the wallet’s own charge on each trade, on top of the price. The XRP Ledger’s own fee is 0.00001 XRP per transaction, and it is destroyed rather than paid to anyone (xrpl.org).
Phone, computer or hardware
A hot wallet keeps its key on a device connected to the internet: a phone app, a browser extension or a web wallet. It is what you trade with. A cold wallet keeps the key on a separate device that only signs, so malware on your phone or computer cannot read it. It is what you save with.
Many people use both: savings on a hardware wallet, a smaller trading balance in a hot wallet. Hardware is not automatically safer, though. In 2026, a firmware bug in Coldcard hardware wallets produced keys with far too little randomness, and attackers emptied the wallets made with it; how a key is generated matters as much as where it is kept (the details, and how xrpl.to generates keys).
Is there an XRP staking wallet?
No. The XRP Ledger has no staking. Validators, the servers that agree on each new ledger, are not paid: xrpl.org says incentives “such as the mining rewards in Bitcoin, are not necessary” (xrpl.org FAQ), and the network fee is destroyed rather than shared out. Holding XRP in any wallet earns nothing by itself.
An offer to “stake XRP” is a company lending out your XRP or putting it to work, with that company’s risk. On the XRP Ledger itself, XRP can earn from trading fees by adding it to a pool: earning yield on the XRP Ledger.
Before you send XRP to a new wallet
- 1 XRP opens the account. A new XRP Ledger account needs 1 XRP to exist, plus 0.2 XRP for each token line, offer or NFT page it owns. That XRP stays yours but cannot be sent (reserves explained).
- Exchanges need a destination tag. When you send XRP to an exchange, the tag tells it which customer the XRP is for. Sent without one, the exchange cannot tell whose it is, and getting it back means a support request.
- Write the secret down. Every wallet here shows a secret key or recovery words once, when you create it. Whoever has them controls the account; the wallet maker cannot recover them for you.
Questions
- What is the best XRP wallet for iPhone or Android?
- Xaman and Joey both run on iPhone and Android, hold your keys on the phone, and can trade on the XRP Ledger’s exchange. Xaman charges 0.8% on trades; Joey does not publish its fee.
- What is the best XRP wallet for a computer?
- A web wallet such as xrpl.to runs in any browser with nothing to install, or a browser extension such as Crossmark or GemWallet signs for XRP Ledger websites. For large amounts, a hardware wallet such as a Ledger keeps the key off the computer entirely.
- Is there an XRP staking wallet?
- No. The XRP Ledger has no staking: validators are not paid, and transaction fees are destroyed rather than paid to anyone. Any “XRP staking” offer is a lending or yield product run by a company, not the ledger.
- How much XRP does a new wallet need?
- A new XRP Ledger account needs 1 XRP to exist, plus 0.2 XRP for each token line, offer or other object it owns. That XRP stays in the account but cannot be sent.