Best XRP Wallets in 2025: Tested & Verified

After the recent series of wins for Ripple Labs in the SEC vs. XRP case, the interest in buying XRP has increased significantly. We’ve seen a resurgence in both price and interest for XRP. So much so that investors are analyzing if XRP will outshine Ethereum by market cap soon. Interestingly, we have seen the Google search for XRP hardware wallets and XRP software wallets go up. Investors don’t want to settle for less and they are looking only for the top XRP wallets.

In the guide below, we have tested and verified all the good options available in the market today, just so we can help you choose the best wallets for XRP. We know how secure XRP wallets are, a number one priority, so we have curated a list of all different kinds of XRP wallets – Right from mobile XRP wallets to the best non-custodial XRP wallets. Our list caters to both beginners and advanced traders. So read on to find out which XRP wallet will suit your needs best.

Best XRP Wallets: Summary

It’s important not to fall for marketing gimmicks when choosing a wallet for your XRP. Hence, we kept metrics like security, compatibility, user experience, fees, backup, recovery options, customer support, and reputation in focus while making the list. Among software wallets, Best Wallet and Exodus were selected for their user-friendly interface. We also have the Margex Wallet, a wallet perfect for crypto traders who love the adrenaline rush of leveraged trading. For the hardware wallets, we selected the most-reputed wallet providers in the market – Ledger, ELLIPAL and Trezor. These companies have consistently produced some of the most secure crypto wallet for Ripple to date.

Top Hot Wallets for XRP in 2025

Software wallets are free to download and give you full control over your XRP coins. They also let you explore the exciting world of Web3. In this guide, we’ve picked some of the best XRP hot wallets based on security, ease of use, and features. You will find well-known options like Best Wallet, Exodus, Margex, and Xaman below.

Best Wallet: Most User-friendly XRP Wallet

Best Wallet is a self-custodial crypto wallet known for its user-friendly experience and multi-blockchain support. The wallet comes with a native decentralized exchange aggregator called the Best DEX. It analyzes over 50 decentralized exchanges to provide the best token swap rates and lowest fees for you.

A Best Wallet feature that is becoming popular among users is the “Upcoming Tokens” section which highlights upcoming crypto projects and presale offers. This is a feature which allows investors to jump in on best crypto presales of 2025. Best Wallet stands out from the competition with features like market research tools, a token launchpad, fiat on/off-ramps, and cross-chain swap functionality.

To learn what the Best Wallet is all about, read our Best Wallet Review 2025: Is It a Safe Crypto Wallet?

Why Best Wallet Is Our Top Choice?

You know how cryptocurrency users talk about management of wallet seed phrases as an obstacle that can discourage crypto adoption? Having tried and tested numerous crypto wallets, I too am of the opinion that writing down your seed phrases and verifying them when setting up a crypto wallet can be a tedious task. When I set up my Best Wallet, the first thing I noticed was that the application did not force me to write down 12 or 24 secret recovery phrases and verify them, leading to a smoother and quicker set up process. I later learnt that Best Wallet does not have secret recovery phrases. You can backup Best Wallet on your cloud.

As a crypto holder who holds tokens across multiple blockchain, I was happy to learn that Best Wallet supported nearly all the networks I use. When it comes to security, Best Wallet gets the basics right by offering strong security features like two-factor authentication (2FA), biometric verification, and third-party insurance.

How to Use Best Wallet?

With no KYC verification needed, Best Wallet provides a quick and simple setup, enabling users to securely handle their digital assets with ease. The following guide will take you through the process:

Best Wallet Pros & Cons

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Margex Wallet: Trade and Manage XRP With Ease

Margex Wallet is a cryptocurrency trading platform which comes with a built-in best crypto web3 wallet. Margex is known for its trading-focused features such as margin trading, futures trading and copy trading. The platform is an attractive option for beginners who are looking to kick start their crypto trading journey as Margex provides easy-to-understand trading tutorials and bite-sized informational guides in its application. Margex has a sister copy trading platform called “Margex – Copy Trading” that allows users to replicate trades made by experienced crypto traders. On its copy trading app, users can simply select a “crypto master trader” and copy their trades with a single tap.

Margex offers up to 100x leverage when trading long or short on popular assets such as Bitcoin (BTC), Ethereum (ETH), Solana (SOL) and Dogecoin (DOGE). For XRP investors, we noticed that Margex did not have any XRP pairs listed on its trading platform. Although, we should highlight that Margex allows traders to use the Ripple USD stablecoin (check out ‘How to Buy RLUSD‘) as collateral in margin trading. For context, margin trading is the practice of using borrowed funds from a brokerage (i.e Margex in this case) to trade cryptocurrencies. Traders are required to hold a minimum amount of amount of capital as collateral or insurance to enter a leveraged position.

XRP holders will also be glad to hear that Margex’s in-built crypto wallet supports Ripple’s XRP coin. The wallet has the ability to send and receive XRP. However, staking and fiat buying features are not available at the moment.

Why is Margex Wallet the Best Wallet to Hold XRP?

As we explained earlier, the Margex Wallet can hold XRP coins. However, the broader Margex platform has limited support for the XRP cryptocurrency. We would recommend you to use Margex as a wallet to hold XRP if you are already a Margex user and a keen crypto trader. XRP bulls who want to start their crypto trading journey, but want to do so by trading tokens other than XRP, can also give the Margex platform a try. XRP Ledger users who hold the Ripple USD stablecoin can use Margex for margin trading as the coin can be used as collateral.

In short, Margex is a feature-packed crypto trading platform that provides deep liquidity and leverage to users who want to maximize their trading profits. While, the Margex platform doesn’t support XRP pairs at the time of writing, we expect the platform to list XRP soon as it is one of the most popular cryptocurrencies in the world.

If you want to know more about Margex platform, check out our separate guide – Margex Review 2025 – Features, Fees, and Security Insights.

How to Use Margex Wallet?

The Margex app is available to download for free on Apple App Store and Google Play. Here is a quick step-by-step guide on how to use the Margex Wallet:

Margex Wallet Pros & Cons

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Zengo: Most-Secured Crypto Wallet for XRP

Software wallets, also known as hot wallets, are not typically known for strong security. However, the Zengo Wallet seeks to change this by offering institutional-grade protection to everyday hot wallet users. Zengo claims to have eliminated seed phrase vulnerability by using multi-party computation (MPC) technology.

What is MPC, you ask? Instead of using traditional seed phrases to recover lost crypto wallets, Zengo creates two “secret shares.” One share is created and stored on your mobile device, while the second is created and secured on Zengo’s servers.

Each time you initiate a transaction, the two shares are computed to approve transactions. It is a quite popular decentralized crypto wallet. Consider Zengo founder’s statement, for instance,

To know more about this wallet, take a look at our detailed Zengo review for 2025.

Why is Zengo Wallet Popular?

Security is a key reason why crypto users have flocked to the Zengo Wallet. In addition to the unmatched protection, Zengo looks to provide a multi-chain crypto wallet that can be used across various blockchain networks. The 24/7 customer support provided by the company is also a much-appreciated feature.

To cater to seasoned crypto veterans looking for premium features, the platform offers the Zengo Pro subscription, which can be paid on a monthly or annual basis. Zengo Pro allows users to create up to five wallet addresses to organize their tokens.

That way, you can separate your crypto assets based on categories such as high-value assets, DeFi investments, and day-to-day transactions. “Legacy Transfer,” available via Zengo Pro, is a unique feature that we have not come across in other crypto wallets. It is an inheritance feature that lets users pass down their crypto assets to family or friends by nominating recipients.

Over the years, Zengo has established itself within the crypto industry, attracting big-name players like Tether to invest in the company. In February 2025, Tether completed a strategic investment in Zengo to further stablecoin adoption.

Zengo Wallet Pros & Cons

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Exodus: Excellent Software Wallet for XRP

Exodus is self-custodial crypto wallet that is known for its easy-to-use features and its multi-blockchain support. Exodus’ simple design and online support are among the many reasons why my colleague Alexander recommended it as a great entry wallet for beginners in his Exodus Wallet review.

Founded in 2015, Exodus began as a desktop wallet. Today, you can download the Exodus wallet for free on your iOS or Android smartphone. A fun fact about Exodus is that its developer Exodus Movement Inc is listed on the NYSE American tier of the New York Stock Exchange. I have to say that the developer’s publicly-listed status does add to the wallet’s credibility.

Talking about credibility, Exodus also looks to prioritize security alongside user experience. The wallet releases regular software updates, conducts bug bounty programs and offers security features such as two-factor authentication and biometric login.

The XRP Ledger is among the 16 blockchain networks supported on Exodus. Other popular networks supported on Exodus include Bitcoin, Ethereum, Solana, BNB Chain and Tron.

Why Exodus is the Top Software Wallet for XRP?

Exodus is one of the best software wallets out there for XRP holders because of its ease-of-use and versatility. First, let’s talk about the numerous blockchains supported on Exodus. Most crypto users hold multiple tokens across different blockchains. For those managing XRP, BTC, ETH, and SOL, Exodus offers a convenient way to keep everything in one place— including memecoins.

Secondly, Exodus has all the standard wallet features required to explore the web3 world. I am talking about an in-built browser here. In my humble opinion, all smartphone-based crypto wallet must have in-built browsers which makes it easy for users to explore decentralized finance application, take part in yield farming activities and play blockchain games.

Setting up an Exodus Wallet is incredibly simple. It takes just two steps on a smartphone: Download the app and click “Create Wallet.” That’s it.

How to Use Exodus Wallet?

Here is an easy guide on how to set up the Exodus Wallet on your smartphone.

Exodus Pros & Cons

Xaman: Best Non-Custodial Wallet for XRP

Xaman is a non-custodial wallet made specifically for the XRP Ledger and the Xahau blockchain. For context, Xahau is XRP Ledger sidechain launched in November 2023. A sidechain is a separate blockchain connected to a main blockchain by a two-way bridge. Sidechains enhance scalability and customization for blockchain networks.

According to the company, over 80% of all active addresses on the XRP Ledger use Xaman. The Xaman wallet aims to offer a complete experience to XRP Ledger users. It comes with a built-in features to access fiat on-ramps and decentralized exchange (DEX) that allows users to seamlessly buy and swap tokens. The wallet also has dedicated tab to explore decentralized applications on the XRP Ledger and Xahau.

If you are looking for extra security to hold your XRP coins, Xaman has a credit/debit card-shaped cold wallet called Xaman Cards. Also on offer is a premium subscription called Xaman Pro which comes at a price of $60 per year. The Xaman Pro subscription offers zero trading fees, premium customer support, real-time transaction push notifications and early access to new wallet features.

The Xaman wallet is available to download for free on Apple App Store and Google Play.

Why Xaman is the Top Self-Custodial Wallet for XRP?

Xaman’s focus on developing services and products for the XRP Ledger makes it a top crypto wallet for advanced XRP Ledger users and developers. The Xaman Wallet has a “developer mode” that you can toggle off and on from the settings. The developer console offered by Xaman gives developers access to API keys and software development kits (SDK). Testimonials from developers praised Xaman’s developer console saying that it allowed quick integrations and faster development. Some also highlighted Xaman’s customer support which helped them to bootstrap their projects quicker.

Overall, we think Xaman is a crypto wallet best suited for advanced users. Beginners may find Xaman’s set-up process a little tedious. The requirement of deposit at least 1 XRP to activate the Xaman Wallet may also be seen as an hinderance for someone looking to explore what Xaman has to offer.

How to Use Xaman Wallet?

Here is an easy guide on how to set up the Xaman Wallet on your smartphone.

Xaman Pros & Cons

If you’re looking for a wallet that supports multiple cryptocurrencies beyond XRP, check out our list of the Best Crypto Wallets in 2025.

Best Cold Wallet for XRP in 2025

If keeping your XRP safe and sound is your top priority, then you should be looking at hardware wallets. These wallets are not free-to-use like the software wallets, but they are known to provide the highest level of protection that you simply cannot get from software wallets.

With crypto hacking showing no signs of slowing anything soon, the need for best hardware wallets is dire than ever. In 2024 alone, cryptocurrencies worth over $2.2 billion were stolen in hacks, Chainalysis data showed. The alarming statistic is that stolen funds increased by 21% in 2024 compared to the previous year.

So without a further ado, let’s explore the best options available today to keep your XRP assets in cold storage. But wait a minute, if you haven’t yet understood the technology behind the XRP coin, first check out our comprehensive XRP Review. And before buying, give XRP Prediction for 2025-2030 a reading.

ELLIPAL Titan: Best Hardware Wallet for XRP

Holding XRP on an exchange may be convenient, but having seen numerous crypto exchanges get hacked over the last decade, we would highly recommend you to consider storing your precious crypto tokens in a cold wallet like the ELLIPAL Titan 2.0.

Launched in November 2023, the ELLIPAL Titan 2.0 is not only know for its vault-like security but is also popular for its features and multi-blockchain support. The device is compatible with over 40 blockchains and more than 10,000 tokens. So whether you hold XRP as a native coin on the XRP Ledger or as a mirror token on the BNB Chain and Ethereum, the ELLIPAL Titan 2.0 has you covered.

In terms of the features, the ELLIPAL Titan 2.0 comes with an immersive 4-inch touchscreen display that allows you to sign transaction more securely that ever before. Security features such as self-destruct, PIN, passphrase protection and QR-code verification system adds the cherry on the top.

What Makes ELLIPAL Unique?

The ELLIPAL Titan 2.0 wallet is unique among its cold wallet rivals because of its air-gapped nature. For context, air-gapping is a security measure that keeps a device disconnected from networks such as the internet, bluetooth, NFC and USB to prevent unauthorized access and hacks.

But how will the ELLIPAL Titan 2.0 wallet communicate with the outside world to receive and transfer crypto tokens, you ask? Well, ELLIPAL Titan 2.0 uses verified QR codes for transactions which eliminates the need for bluetooth, Wi-Fi, USB and other forms of connectivity. This method ensures that the private keys that give access to your cryptocurrency are offline at all times.

ELLIPAL has an asset management application called the ELLIPAL App that you can download on your smartphone. Simply, connect your ELLIPAL Titan 2.0 device to the app via QR codes and begin buying, selling, swapping and staking your cryptocurrencies. While XRP doesn’t support traditional staking, there are still ways to earn rewards. Learn about XRP staking and how you can generate passive income.

To know more about this wallet, check out our separate ELLIPAL Titan 2.0 review.

How to Use ELLIPAL Wallet?

Now, let’s talk about how to use your ELLIPAL Titan 2.0 wallet. Here is a step-by-step guide:

ELLIPAL Wallet Pros & Cons

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Ledger Nano X: Safest Hardware Wallet for Ripple

Ledger is one of the best-known hardware wallet manufacturers out there, and the Ledger Nano X is among their most popular models known for its security and versatility. The Ledger Nano X keeps your XRP coins secure by storing them offline, away from internet threats.

The Ledger Nano X is not just for XRP holders. The wallet offers a place to hold over 5,500 different tokens in one place, making it the perfect device to safeguard your BTC, ETH, SOL and XRP alongside memecoins and NFTs. The Ledger Nano X uses bluetooth to connect with your smartphone or desktop.

If you are worried about not being able to use your crypto assets on decentralized finance applications, fear not. Ledger Nano X can be connected to the Ledger Live App which will allow you to manage your tokens from your smartphone. You can trade, stake and interact with smart contracts using your Ledger Live App. Transactions will only be approved when your confirm them using your Ledger Nano X device.

Why Ledger Nano X is Our Favorite Wallet?

Ledger Nano X is one of our favorite crypto wallets to hold XRP coins simply because the device offers the best of both worlds: security and versatility. The Ledger Nano X provides one of the safest ways to store cryptocurrencies while still allowing access to DeFi platforms and Web3 sites.

Few hardware wallets on the market are as well-designed as the Ledger Nano X. The company offers the device in six different colors – black, orange, blue, green, pink and yellow. Personally, I loved the translucent green; blue and orange versions reminded me of electronic devices from the 1990s and early 2000s.

Read more about this wallet in our separate Ledger Nano X review.

How to Use Ledger Nano X?

This step-by-step guide will help you set up your Ledger Nano X and pair it with the Ledger Live mobile app to start managing your tokens.

Ledger Nano X Pros & Cons

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Trezor Model T: Most Advanced Hardware Wallet for XRP

Those who have been in crypto long enough will probably recognize the Trezor brand as a household name. Well, Trezor vs. Ledger is always a topic of discussion when it comes to choosing the right hardware wallet for your crypto needs. Trezor is widely recognized as the world’s first commercially available crypto hardware wallet having launched the Trezor Model One in 2014. Years of reiterations and enhancements brought us the Trezor Model T in 2018.

Priced at $129, the Trezor Model T is thoughtfully designed to feature a 1.5 inch LCD touchscreen that makes it very easy to verify and sign transactions. The device is loaded with security features such as PIN and passphrase access and a multi-share wallet backup system called Shamir Backup.

As for usability, XRP holders will be glad to hear that the Trezor Model T is one of the three Trezor wallets to offer native support for XRP Ledger. The Trezor Model T can connect with an external asset management application called the TrezorSuite using which can you can buy, sell, transfer and trade XRP.

Why Trezor Model T is Best Wallet to Hold XRP?

Trezor, Ledger and ELLIPAL are incredible hardware wallet providers. There is little to separate the three and name one as the best cold wallet for XRP holders. However, as we are talking about Trezor’s Model T here, let me highlight that Trezor’s wallet use public, open-source code designs that allow anyone in the world to verify code that runs on the device. This way bugs and vulnerabilities can be easily identified by the community.

Another example of how Trezor embodies crypto philosophies such as open source systems and privacy, is its use of the Tor network to give its users an extra layer of security, privacy and control. For context, Tor is free and open-source software that enables anonymous communication. You can use Tor on the Trezor Suite App to shield your crypto transactions from tracking, leaks, and network surveillance. So if security and peace of mind is your priority, you cannot go wrong with Trezor wallets such as the mid-level Trezor Model T or the top-range Trezor Safe 5.

Get to know more about the wallet by reading our Trezor Model T Review.

How to Use Trezor Model T?

Here is a quick step-by-step guide on how to setup and use your Trezor Model T wallet.

Trezor Model T Pros & Cons

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What is XRP Wallet?

An XRP wallet is a software or device that stores private keys that give you access to your cryptocurrency tokens. As a crypto user, you should not mistake a crypto wallet for a crypto exchange. While crypto exchanges also allow you to store and manage your tokens, they do not give you access to the private keys. When you store cryptocurrencies on a crypto exchange, it is the exchange operator who controls the private keys. However, when you use a crypto wallet, you alone can access the private keys, and therefore you have complete and exclusive control over your tokens.

Crypto wallets are also gateways into the decentralized finance and web3 world. When you use a decentralized crypto protocol like Uniswap or Aave, you will need a crypto wallet to log in to their website. You can think about your crypto wallet as your web3 profile or your identity in the web3 world.

Types of XRP Wallet

There are two types of XRP wallet available our there: software wallets and hardware wallets.

Software wallets are also known as hot wallets because they are connected to the internet. Software wallets are popular for their user-friendly interface, features and free-to-download availability. One of the biggest advantages that software wallets have over hardware wallet is the accessibility they provide engaging with web3 sites.

Hardware wallets are also known as cold wallets because they remain in isolation from the internet. This isolation provides an extra layer of protection against hacks, phishing attacks and malware. However, the use of hardware wallets is primarily limited to token storage and transaction signing.

How to Choose the Best XRP Wallet?

When it comes to crypto wallet, there is no one-size-fits-all solutions. The best XRP wallet fit for you will depend on several factors which include your technical expertise, crypto experience, budget and needs. To put it plainly, I would recommend newcomers to try their hand at using software wallets first before moving on to hardware wallets. Hardware wallets are best suited for experienced crypto investors who have a significant amount of crypto investments to protect.

The following section will help you understand whether you need a software wallet or a hardware wallet.

Prioritize Security

The crypto world is infamous for hacks and crypto thefts. Imagine being on the wrong end of a wallet hack and you losing your hard-earned cryptocurrencies. So if security is your biggest concern, you should be looking at hardware wallets such as the Ledger Nano X, ELLIPAL Titan 2.0 and Trezor Model T to safeguard your XRP coins. These wallets are perfect for crypto investors who love to HODL.

“Keeping your recovery seed safe is a crucial element in your self-custody journey. While paper storage protects them from online attacks, it leaves them susceptible to physical damage or decay. Hence, long-term holders prefer physical backups in metal,” said Satoshi Labs in a blog post.

Consider Ease of Use

When it comes to user-friendliness, software wallets trump hardware wallets. Therefore, I always recommend crypto newcomers to start their self-custodial journey using hot wallets. The security may not be as tight as what you would receive when using a hardware wallet, but we simply cannot ignore how easy it is to setup and navigate crypto wallets such as Best Wallet, Exodus and Xaman. With better user interface becoming an increasing need for the industry to accelerate crypto adoption, we are seeing a trend where software wallet interface is becoming less technical than ever before.

Evaluate Costs & Fees

They say the best things in life are free. Luckily for crypto users, software wallets are free-to-download and use. If you’re skeptical about free apps on the Apple App Store or Google Play, you’ll be glad to know that most software wallets don’t hide essential features behind a paywall—unlike many free smartphone games and productivity apps. However, when it comes to hardware wallet, you will have to pay a price for the extra security. The cost of hardware devices mentioned on this list range from $129 to $199, with the Ledger Nano X the cheapest option and the ELLIPAL Titan 2.0 the most expensive one, in our guide.

Focus on XRP-Specific Features

For XRP enthusiasts, the first thing to check in a crypto wallet is whether it supports the XRP Ledger blockchain. Remember the terminology related to XRP is confusing. To recap, XRP is the native coin of the XRP Ledger, while Ripple is the blockchain development company behind the XRP project. If a crypto wallet does not support the XRP Ledger you may be forced to hold non-native XRP tokens that are on Ethereum or BNB Chain. Other features to consider are in-built browsers, XRP-related decentralized application integration and fiat on-ramp/off-ramp.

Reputation & Community Feedback

Crypto wallet users are spoiled for choice. With so much competition among software wallets, choosing an inferior option wouldn’t be a wise decision. To avoid such a catastrophe, we recommend you to read reviews about the wallet on social platforms like X and Trustpilot. When it comes to hardware wallet, Ledger and Trezor are the undisputed leaders in the space.

XRP Wallet Security Tips

Self-custodianship comes with great responsibility. As a crypto wallet owner, you have to recognize that you alone are responsible for safeguarding the crypto tokens stored in it. If you are just starting out, here are the best practices to protect your XRP coins from hacks, scams and unauthorized access.

Conclusion: Best XRP Wallets

At the end of the day, the best XRP wallet is the one that fits your needs while keeping your coins safe. If you’re still looking for advice, I will recommend software wallets like Best Wallet and Exodus for beginners due to their clean design and user-friendly interface. For XRP maximalists and developers, the Xaman Wallet is probably the best fit. Long-term XRP holders should be looking at hardware wallets such as the Ledger Nano X, ELLIPAL Titan Mini and Trezor Model T.

See Also:

• Top BEP20 Wallets in April 2025
• Best Crypto Wallets in Canada for 2025
• Best Stellar Wallets to Secure XLM in 2025
• Best Pi Network Wallets in April 2025
• 7 Best Crypto Wallets for Staking in 2025

References

• “Top 3 Best XRP Wallets.” Atomic Wallet Academy, https://atomicwallet.io/academy/articles/top-3-best-xrp-wallets
• “XRP Wallet – Secure Ripple (XRP) Storage & Transactions.” Bitcoin.com, https://www.bitcoin.com/wallet/xrp/
• “Ledger Crypto Wallet.” Ledger, https://www.ledger.com/
• “Trezor Model T Review (2025).” BitDegree, https://www.bitdegree.org/crypto/trezor-model-t-review
• “Exodus: The World’s Leading Bitcoin and Crypto Wallet.” Exodus, https://www.exodus.com/