Best Stellar Wallets to Secure XLM in 2025

The world is burning, fiat is dying, and your bank probably just spent the weekend figuring out how to rehypothecate your deposits into their next speculative implosion. But sure, leave your crypto on an exchange. See how that plays out. If you’re one of the few remaining souls with a functioning brainstem, you’re already looking for the best Stellar wallets to keep your XLM far from the sticky fingers of middlemen and malware. The top XLM wallets in 2025 offer insulation from chaos, privacy from snoops, and peace of mind in a digital age engineered for surveillance and theft.

This guide filters through the noise and delivers the safest wallets to store Stellar—cold or hot, software or hardware. No fluff, no shill. Just real tools for XLM holders who want full control over their funds without playing Russian roulette on a crypto exchange.

Let’s dive into the only thing that actually matters: custody. Because if it’s not in your wallet, it’s not your crypto.

Best Stellar Lumens Wallets: Summary

You don’t need a PhD in cryptography to protect your coins—you just need the right tools. This guide breaks down the most battle-tested wallets in the Stellar ecosystem. We cut through the noise to highlight the real standouts—wallets that offer hardened security, sleek interfaces, and actual utility beyond collecting digital dust. Doesn’t matter if you prefer software, hardware, or a DEX baked right into your wallet, you’ll find the right match here. Each entry has been dissected for features, usability, and security—because mediocre wallets belong in the same trash pile as your Web2 login credentials.

Best Wallets for Stellar Lumens Ranked

Here’s the no-fluff shortlist of the top Stellar wallets covered in this guide—ranked for security, features, and real-world usability. Click through to explore or download directly:

Top Software Wallets to Store XLM in 2025

Hot wallets get a bad rap. Sure, they aren’t wrapped in titanium or hidden behind air gaps, but not everyone wants to walk around with a metal dongle just to check their balance. Software wallets offer a much-needed middle ground—speed, flexibility, and decent security without the cold storage ritual.

The best ones integrate directly with the Stellar network, support digital assets, and let you swap tokens without ever leaving the interface. Some even toss in a built-in DEX, fiat on-ramps, and multi-chain compatibility. That’s the difference between a wallet and an ecosystem.

In 2025, the top XLM wallets are full-stack platforms offering control, liquidity access, and cross-chain versatility. From mobile-first simplicity to advanced Stellar-specific features, the picks below are the safest wallets to store Stellar without sacrificing usability.

Anyway, back to XLM. Let’s start with the heavyweight.

Best Wallet: Top XLM Wallet With Multi-Blockchain Support

When wallets start looking like memes—clunky interfaces, limited network support, broken swaps—you realize why technical precision matters. Best Wallet is engineered for power users who want speed, cross-chain access, and custody tools without sacrificing security.

This wallet uses a multi-chain architecture built on secure key management protocols, enabling users to sign transactions across multiple networks—including Stellar, Ethereum, BNB Chain, and more—without switching interfaces. Thanks to its integrated routing layer, users can execute on-chain swaps across supported ecosystems without jumping through bridges or using third-party aggregators.

Security-wise, Best Wallet deploys hierarchical deterministic (HD) wallet structures, meaning every transaction is signed locally using your private key, not some cloud-based nonce farm. Your keys stay on your device—encrypted and recoverable via seed phrase backups. You might ask what’s the best part of using this non-custodial crypto wallet. Well, you don’t just buy and store XLM here, you can even invest in the best crypto presale projects of 2025 without having to go through any technicalities.

For XLM holders, the integration with the Stellar network is frictionless. You can send and receive Lumens, track your account balance, and manage digital assets directly from the app’s dashboard. It also features custom RPC configurations, allowing advanced users to set up granular node-level parameters for maximum transaction transparency.

To know more about the benefits of using this wallet, check out our detailed ‘Best Wallet Review’.

Best Wallet Pros & Cons

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Interstellar Wallet: Best Stellar Wallet That Comes With Built-in DEX

If you’re tired of wallets acting like glorified view-only dashboards, Interstellar Wallet brings the heat. It’s an entire Stellar DEX, seamlessly embedded into a sleek, non-custodial interface.

Powered by Interstellar Exchange, the wallet allows users to trade directly on the Stellar network’s decentralized exchange layer. You get real-time order books, advanced asset filtering, and native token issuance—all without surrendering your private key to a third party. No swap wrappers, no bridges, no gas-guzzling detours. Just pure, on-chain execution tied directly to your wallet.

And yes, it’s a non-custodial decentralized crypto wallet. You generate your keypair. You manage your seed phrase. You own your public key and every token attached to it. Full-stop. For XLM holders who want to move fast, trade efficiently, and maintain full control over their holdings, Interstellar checks all the boxes—and then some.

Interstellar Wallet Pros & Cons

Lobstr Wallet: Most-Secured Desktop & Mobile Wallet for Stellar

When it comes to Stellar-native wallets, Lobstr Wallet is a full-blown ecosystem. Designed specifically for the Stellar network, Lobstr is one of the most mature wallets in the space, offering battle-tested security architecture, multi-device accessibility, and optional multisig support through Lobstr Vault.

Let’s start with the fundamentals: Lobstr is non-custodial. Your private key is encrypted and stored locally, and you can secure it further using 2-of-2 multisignature protection via Vault—a separate app that acts as a signing co-pilot. This is how you move from “just another mobile wallet” to a secure Stellar command center.

Lobstr also provides account balance tracking, asset management, trustline configuration, and even token swap capabilities—all wrapped in a sleek UI available on iOS, Android, Mac, and Web.

And if you want to take things a step further, there’s Lobstr Signer—a browser extension that lets you sign transactions securely without exposing your core wallet. Think of it like MetaMask for Stellar, but leaner and laser-focused.

Lobstr Wallet Pros & Cons

Solar Wallet: Simple and Secure Wallet to Manage XLM

Clean. Lightweight. No bloat, no BS. Solar Wallet is what you get when a wallet focuses on doing one thing well—managing Stellar assets with precision and clarity.

Built specifically for the Stellar network, Solar is a non-custodial, open-source wallet that gives users full control over their assets, keys, and transaction history. It’s not trying to be a DeFi aggregator or a Chrome extension masquerading as a vault. It’s a dedicated wallet that does what others complicate: secure, direct interaction with Stellar.

Solar’s interface gives you seamless access to token transfers, trustline management, and native support for multi-signature accounts—a critical feature most “modern” wallets still treat like a developer-only toy. You can configure 2-of-2, 2-of-3, or more complex setups natively through the wallet UI, no code gymnastics needed.

Under the hood, Solar keeps things lean but powerful. It connects directly to Horizon API endpoints, meaning you’re interacting directly with Stellar’s infrastructure—not through some abstracted middleware. Transactions are signed locally using your private key, and recovery is handled via a standard seed phrase.

Solar Wallet Pros & Cons

Exodus Stellar Wallet: Top XLM Wallet With Intuitive User-Interface

Most wallets are either so clunky they feel like you’re operating a command line in 1999—or so bloated with bells and whistles that they forget the basics: custody, clarity, and control. Exodus Wallet threads the needle. It’s a visually polished, multi-asset Web3 wallet that still delivers where it counts—private key ownership, full asset control, and native integration with major blockchains, including the Stellar network.

Don’t let the interface fool you. Behind the neon-gloss UI is a robust architecture built on secure local storage, deterministic key generation, and encrypted backups. You hold the keys—literally. No centralized recovery systems, no backdoor access, and no third-party nonsense. Everything is tied to your seed phrase, and every transaction is signed locally on your device—whether that’s desktop, mobile, or both.

Exodus supports XLM natively, meaning you don’t need to route through external tools or browser plugins to interact with your Stellar account. You can monitor your account balance, send/receive Lumens, and swap XLM for other tokens using the wallet’s integrated exchange tool. While the swaps are routed through partner APIs, the execution stays inside your wallet—no need to trust external custodians or expose your private keys during trades.

Exodus doesn’t require you to interact with browser extensions, sketchy wallet connectors, or random RPCs. And with full support across Windows, macOS, Linux, iOS, and Android, you’re not locked into one platform or one device. You can even pair Exodus with hardware wallets like Ledger Nano X for an extra layer of cold storage security.

To know more about this wallet, check out our separate article: Exodus Wallet Review – A Beginner’s Guide

Exodus Stellar Wallet Pros & Cons

Top Cold Wallets to Store XML in 2025

Let’s get one thing straight—if your wallet is connected to the internet, it’s a target. Doesn’t matter how many biometric scans or two-factor gimmicks it has—hot wallets are always within reach of hackers, malware, and fat-fingered mistakes.

That’s why serious holders—those with real skin in the game—keep their XLM offline. Cold wallets are about operational air gaps, attack surface reduction, and insulating your crypto from the daily chaos of phishing links, trojans, and compromised extensions.

In this section, we break down the best hardware wallets that support Stellar Lumens (XLM), giving you full control of your private key, without ever exposing it to a networked device. These wallets generate keys offline, store them encrypted on secure chips, and sign transactions locally before broadcasting them through a connected interface. Some even integrate seamlessly with third-party software wallets like Exodus, giving you a hybrid setup—UX of hot, security of cold.

But wait—you can only use these wallets for XLM if you bought the coin in the first place. Not sure how to get started? Check out our step-by-step guide on how to Buy Stellar (XLM). Some experts believe that XLM has significant growth potential and might even surpass its previous all-time high soon. On the other hand, others caution that it could face challenges ahead. To get a balanced view, read our in-depth analysis in the Stellar Lumens ($XLM) Price Prediction.

Ledger Nano S: Best Hardware Wallets to Secure XLM

Do you want real cold storage? Not some cloud-encrypted illusion of security, but actual air-gapped, tamper-resistant protection? Then meet the Ledger Nano S—one of the most battle-tested cold wallets in the game.

Ledger’s security model is built on BOLOS (Blockchain Open Ledger Operating System) and a CC EAL5+ certified secure element chip, the kind of architecture usually reserved for government-level data protection. When you generate your private key on a Ledger device, it never touches the internet. Ever. Transactions are signed inside the device and pushed out through the USB interface—no exposure, leakage, or compromise.

The Nano S supports Stellar Lumens (XLM) natively through the Ledger Live app, which provides basic portfolio tracking, transaction history, and secure transfers. You can also use it in tandem with third-party wallets like Solar or Guarda for more advanced Stellar-specific operations like trustline management, asset issuing, or inflation pool participation.

While the newer Ledger Nano S Plus and Ledger Nano X models offer better memory and mobile Bluetooth access, the OG Nano S still delivers serious security for anyone storing Stellar offline—and it’s affordable enough not to feel like a luxury item.

Get to know more about this wallet in our separate Ledger Nano S Review.

Ledger Nano S Pros and Cons

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Trezor Safe 5: Most Popular Cold Wallet For Stellar

Trezor builds digital fortresses. The Trezor Safe 5, the latest flagship from the team behind the first hardware wallet ever built, pushes security and usability into a tighter package than most competitors can dream of.

Powered by an open-source firmware stack, Trezor’s architecture is transparent, auditable, and resistant to hidden vulnerabilities. Your private key never touches the internet. Transactions are signed inside the device, and every outgoing action is verified via a secure touchscreen UI—eliminating blind signing, phishing traps, and clipboard hijacks from the equation.

And yes, Stellar (XLM) is supported through third-party integrations like Solar Wallet, giving you access to your Lumens without compromising the cold-storage model. That’s the hybrid setup—Trezor handles the signing, and your interface handles the UI.

The Trezor Safe 5 adds upgraded internal storage, a new color touchscreen display, and stronger chip-level encryption than older models. It’s everything the Trezor Model T was meant to be, just faster, tighter, and ready to handle your digital assets like a pro.

Take a look at our detailed Trezor Safe 5 Review to know more about the wallet.

Trezor Safe 5 Pros & Cons

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ELLIPAL Tital 2.0: Best Hardware Wallet With No Bluetooth Connection

If cold storage is war, ELLIPAL Titan 2.0 is a bunker. This wallet blocks almost every possible attack, except physically breaking it open — and even that won’t be easy.

Built as a completely air-gapped system, ELLIPAL Titan 2.0 doesn’t connect via USB, Wi-Fi, or NFC. You sign transactions offline and transfer them via QR codes, keeping your private key sealed inside the device’s secure element, never exposed to the internet, ever. No ports. No radio. No backdoor.

What sets the Titan apart from other hardware wallets is its mobile-first security model. Pair the wallet with the ELLIPAL mobile app (available on iOS and Android), scan your signed QR code, and broadcast the transaction. That’s it. This also makes it perfect for users operating in low-trust environments or who prefer to keep their desktops clean of crypto software entirely.

It’s also one of the few wallets physically hardened, with a metal alloy casing, tamper-proof sealing, and an auto self-destruct protocol that wipes keys if the device is compromised. There are no flashy animations, just layers of security wrapped in a bulletproof shell.

Find out what makes this wallet stand out in our comprehensive ELLIPAL Titan 2.0 Review.

ELLIPAL Tital 2.0 Pros & Cons

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Top Wallets for Stellar Compared

How We Ranked the Top XLM Wallets (Methodology)

Most wallet rankings out there read like copy-paste jobs from product pages—zero scrutiny, maximum affiliate spam. Not here. This list was built using actual criteria that matter to real users—not just what looks pretty on a landing page.

We focused on five core pillars: security, Stellar integration, user experience, feature set, and community trust. Here’s how each wallet was judged:

What is an XLM Wallet?

An XLM wallet is your gateway into the Stellar network, the engine room behind one of the fastest, lowest-cost blockchain ecosystems on the planet.

It’s a tool that allows you to store, send, receive, and manage Stellar Lumens (XLM) and other digital assets issued on the Stellar blockchain. It generates a public key (your wallet address) and a private key (your ownership control mechanism). Lose the latter, and your funds are gone—no customer service, no reset button, no bailout.

There are two types of XLM wallets: Hot wallets, which are connected to the internet and offer convenience, accessibility, and faster transaction handling. Cold wallets, which stay offline and offer hardened security for users who prefer peace of mind over convenience. Fun fact: A lot of users find the term ‘hot wallet’ confusing. To put it simply,

A real cryptocurrency wallet gives you full control over your funds. That means you control the private key. You back up your wallet with a seed phrase. And you sign transactions locally—no middlemen, no custodians, no banks. And that’s the key difference: a real XLM wallet makes you the bank. Your wallet is the core interface between you and the network.

Key Features to Look For in Stellar Wallets

Not all wallets are built equal. The best ones give you full control of your private key, seed phrase recovery, and strong local encryption. Cold storage options like Ledger Nano S Plus or ELLIPAL Titan 2.0 offer real offline protection, while tools like Lobstr Vault or Solar Wallet bring multi-signature support for added security.

Make sure your wallet works across iOS, Android, macOS, Linux, and the web. Bonus points for multi-chain support, as seen in Best Wallet and Exodus. But compatibility means nothing without Stellar-native tools. Look for trustline management, DEX access, asset issuance, and multisig setup. If your wallet doesn’t speak Stellar fluently, it’s dead weight.

User experience matters too. Exodus nails simplicity, while Solar caters to power users. Either way, you want a clean UI, fast access to your account balance, and smooth navigation. Watch for fees. Stellar is cheap to use—your wallet shouldn’t be the expensive part. Hidden swap spreads or high service charges? Hard pass. And finally, check support. Email support, active docs, and a reliable dev team aren’t optional—they’re survival tools.

A real Stellar XLM wallet gives you security, speed, and flexibility. Everything else is noise.

How to Set Up a Stellar Wallet?

Getting started with a Stellar XLM wallet is fast and painless. Here’s a straightforward setup using Lobstr Wallet as an example:

How to Recover a Lost Stellar Wallet?

Losing your wallet doesn’t mean losing your funds—as long as you’ve backed up your seed phrase.

Here’s how recovery works:

No recovery phrase = no recovery. That’s how non-custodial wallets work. If you’ve lost your phrase, your funds are gone. There’s no customer support miracle or bank transfer reversal. It’s gone—by design. Treat your recovery phrase like it’s the combination to your vault—because it is.

Conclusion: Best Stellar Wallets

Let’s be blunt—if your XLM is still sitting on a crypto exchange, you’re not investing… you’re gambling in the hope that your custodian doesn’t go belly-up while you sleep. We’ve seen this movie before: flashy logos, “proof of reserves,” and then poof—your Lumens evaporate faster than a politician’s promises.

This guide wasn’t written for tourists. It’s for people who actually give a damn about sovereignty, self-custody, and keeping their digital assets out of reach from corporate clowns and phishing scams. The tools are in your hands now—literally.

Pick a wallet that respects your private key, integrates with the Stellar network, and doesn’t treat you like a walking marketing funnel. One that actually understands trustlines, multisigs, and why a real wallet doesn’t need a cloud backup or a customer service chatbot to babysit your funds.

You’ve seen the pros. You’ve seen the trade-offs. Now you get to choose between being another cautionary tale—or someone who took custody seriously before it was trendy.

Because in this game, it’s simple: no keys, no coins. Everything else? Just noise.

See Also:

• Best Pi Network Wallets in April 2025
• 8 Best Kaspa Wallets To Secure KAS in 2025

Frequently Asked Questions

What are some of the best XLM wallets available in the market?

Top options include Best Wallet, Lobstr, Solar Wallet, Exodus, Ledger Nano S Plus, Trezor Safe 5, and ELLIPAL Titan 2.0.

Can I store multiple cryptocurrencies in a Stellar wallet?

Yes, wallets like Best Wallet and Exodus support multiple blockchains beyond Stellar.

Are all Stellar wallets non-custodial?

No—most are non-custodial, but always verify you control the private key before trusting any wallet.

What should I do if I lose access to my Stellar wallet?

You can recover your wallet using your 12- or 24-word seed phrase—no seed, no recovery.

Can I stake XLM in a wallet?

Stellar doesn’t use traditional staking, but some wallets offer inflation pool features or integrations for yield earning.

Are there any Stellar wallets that don’t require KYC?

Yes—non-custodial wallets like Lobstr, Solar, and Best Wallet require no KYC or identity verification.

Which Stellar wallets are best for mobile users?

Best Wallet, Exodus, and Lobstr offer top-tier mobile experiences on both iOS and Android.

How do I send and receive XLM using a Stellar wallet?

Enter the recipient’s public key, specify the amount, confirm the transaction, and your XLM is on the move.

Why do some Stellar wallets require a minimum balance?

Stellar wallets require a minimum balance because the Stellar network enforces a base reserve to prevent spam accounts and keep the ledger efficient.

References

• Ergo Platform. “Cold Wallet Explanation – Everything You Need to Know.” Ergo Platform, 6 Jan. 2023, https://ergoplatform.org/en/blog/Cold-Wallet-Explanation-Everything-You-Need-To-Know/
• Nervos Network. “What Is a Cold Wallet?” Nervos, https://www.nervos.org/knowledge-base/what_is_a_cold_wallet_(explainCKBot)
• CoinGecko. “Hot Wallet vs Cold Wallet: What’s the Difference?” CoinGecko Learn, https://www.coingecko.com/learn/hot-wallet-vs-cold-wallet
• CoinGecko. “Hot Wallet: Definition & Use Cases.” CoinGecko Learn, https://www.coingecko.com/learn/hot-wallet