Best Ripple Wallets XRP 2026

Key Takeaways:

Key Takeaway: Choosing the right XRP wallet depends on how you balance security, custody, asset coverage, platform access, and cost. The leading options include Tangem Wallet, Zengo, and Trezor.

• Hardware, software, custodial, and self-custody designs place control and recovery responsibilities in different hands.
• Security controls, supported networks, platform availability, fees, and ease of use vary substantially between wallets.
• Before committing funds, match the wallet’s recovery model and transaction workflow to the way you plan to use your assets.

Ripple is a privately held company working to establish a global network for banks and financial institutions. It created XRP as an open-source digital currency that supplies liquidity to banks, market makers, and payment providers, giving financial institutions a fast and dependable way to source liquidity on demand. Because the market includes many Ripple wallets, selecting an online XRP wallet can be difficult. This comparison covers easy-to-use, highly secure free and paid apps together with their key features and supplied website links.

8 Best Ripple (XRP) Wallets at a Glance

Here are 8 leading Ripple (XRP) Wallets I recommend you consider:

1. Tangem Wallet: A hardware wallet supporting over 16000 coins, WalletConnect, and a mobile interface.
2. Zengo: A keyless Web3 wallet with MPC, optional 3FA, and 24/7 live support.
3. Trezor: An open-source hardware wallet with EAL6+ protection and a color touchscreen.
4. Uphold: Assisted key replacement combines with direct access to instant trading.
5. Ledger XRP Wallet: A compact cold wallet with Ledger Live, Bluetooth, and an 8-hour battery.
6. Binance: A multi-feature hot wallet and exchange platform with extensive asset coverage.
7. Kraken: A regulated platform with high limits, full reserves, and hot and cold wallet choices.
8. Trust Wallet: A mobile XRP wallet with encrypted backups and multi-asset management.

Ripple (XRP) Wallets Compared in Detail

Name	Coins Supported	Type of wallet	Price	Link
Tangem Wallet	BTC, ETH, LTC, etc.	Hardware wallet	$54.90	Learn More
Zengo	1000+ including BTC, ETH, USDT, USDC etc.	Software wallet	Free	Learn More
Trezor	BTC, ETH, XRP, XLM, etc.	Hardware wallet	$169	Learn More
Uphold	BTC, ETH, XRP, XLM etc.	Custodial wallets	Free	Learn More
Ledger XRP Wallet	BTC, ETH, LTC, DOGE, etc.	Hardware wallet	$169	Learn More

1) Tangem Wallet

Best for Broad Cryptocurrency Support

Tangem Wallet provides uncomplicated cryptocurrency buying and selling with immediate access to Bitcoin payments and other digital assets. Its companion mobile app is available for both iOS and Android.

Launched in 2017, Tangem Wallet let me store, buy, sell, send, receive, and exchange over 16000 coins. The mobile app acts as the wallet interface and connects with DeFi services and dApps through WalletConnect. Users also have access to a fast-growing community, a help center and knowledge base, and 24/7 email support.

• Coins Supported: 16000+ tokens including BTC, ETH, LTC, etc.
• Type of wallet: Hardware wallet
• Price: $54.90

Tangem Wallet Standout Features

• Works with many cryptocurrencies, including Bitcoin, XRP, Ethereum, and others.
• Live assistance is available 24/7.
• Users can securely store, receive, and manage NFTs across Ethereum, Solana, and Polygon, then connect to OpenSea through WalletConnect.
• Fiat withdrawals are processed within a few days.
• Customized orders can be placed without difficulty.
• The platform is accessible on mobile and desktop.
• A comprehensive help center is supplemented by chat and email assistance.
• Using the platform is entirely free.

Tangem Wallet Pros

• The core wallet is seedless, although a seed phrase remains optional.
• It combines affordability with straightforward operation.
• IP68 certification provides maximum resistance to water and dust.
• Simple management and an affordable price suit users who want an uncomplicated wallet.

Tangem Wallet Cons

• Tangem Wallet does not support NFTs directly.

Tangem Wallet is well suited to people who want broad asset coverage, WalletConnect access, and an affordable hardware wallet managed from a phone.

---

2) Zengo

Most Secure Non-custodial Wallet

Zengo removes the conventional private-key vulnerability to provide a highly secure non-custodial Web3 wallet. An account can be created in less than 60 seconds, allowing the user to become the true owner of the cryptocurrency.

Its extensive cryptocurrency learning library includes educational videos, articles, blog posts, and podcasts.

• Coins Supported: 1000+ including BTC, ETH, USDT, USDC etc.
• Type of wallet: Software wallet
• Price: Free

Zengo Standout Features

• Keyless MPC & 3FA Guardian Security: MPC and an optional 3FA kit replace fragile seed phrases, keeping XRP protected even when the phone disappears. At the 2024 MPC Summit, I saw the Web3 Firewall stop a phishing dApp.
• Instant XRP Buy, Store, Swap & Send: The app securely buys, stores, sends, and swaps XRP plus 1000+ coins. In my test, Visa, Mastercard and Maestro cleared instantly, making Ripple ready to spend in under five minutes. Totals refresh in real time, and cross-asset swaps connect Bitcoin, Ether, and XRP.
• Fee Control & 1-Tap Transaction Turbo: Economy, regular, and fast settings provide detailed control over cost and confirmation speed. When Bitcoin mempools clogged last week, Speed Up repriced my transaction so it reached the next block. A mistaken send can also be canceled before miners seal it.
• Enterprise-Grade Multi-User & Legacy Tools: Zengo Business gives power users and teams multi-user governance and spending limits, while Legacy Transfer can pass XRP to heirs automatically after inactivity. During a pilot with a Tel Aviv treasury startup, the dashboard simplified role assignment and eliminated the need for a separate custodian.
• 24/7 Live Customer Support: Human agents, rather than bots, answer the in-app chat around the clock. At 3 a.m. UTC, an agent resolved my XRP fee question in two minutes and shared screenshots. Supplying the transaction hash at the start cut the support time in half.

Zengo Pros

• Buying and selling are available inside the bitcoin wallet app.
• Provides 3FA security.
• The interface is easy to use.

Zengo Cons

• The cryptocurrency range is limited.
• The crypto wallet is not fully non-custodial.

Zengo is a strong choice for keyless protection, optional three-factor security, fast in-app XRP operations, and continuous human support.

---

3) Trezor

Best Open-Source Hardware Wallet

Trezor stores XRP and other cryptocurrencies entirely offline, separating Ripple holdings from hackers and internet-based threats. A PIN and an EAL6+ certified Secure Element protect the device, which directly confirms every transaction.

The wallet supports 8,000+ cryptocurrencies, including XRP, Bitcoin, Ethereum, and XLM. Its flagship Trezor Safe 5 pairs a color touchscreen and haptic feedback with the Trezor Suite app for secure XRP buying, selling, and swapping on desktop or mobile.

• Coins Supported: BTC, ETH, XRP, XLM, etc.
• Type of wallet: Hardware wallet
• Price: $169

Trezor Standout Features

• My XRP private keys stay completely offline, preventing hackers and malware from reaching the Ripple holdings.
• Trezor Suite lets me send, receive, and swap XRP from a desktop or phone while the hardware wallet verifies each transaction.
• An EAL6+ certified Secure Element, PIN, and passphrase provide protection against online and offline risks.
• The Trezor Safe 5 color touchscreen and haptic feedback make an XRP address easier to check before approving a transfer.
• Fully open-source, independently audited firmware provides transparency rather than hiding the code.
• Affordable: Priced at just $169, the Trezor Safe 5 supports 8,000+ coins and tokens beyond XRP.

Trezor Pros

• XRP keys remain entirely offline behind EAL6+ secure-element protection.
• Independent audits and fully open-source code improve transparency.
• A color touchscreen and haptic feedback simplify transaction confirmation.
• Support extends to 8,000+ coins and tokens, including XRP.

Trezor Cons

• It costs more than software wallets.
• The entry-level Trezor Model One lacks XRP support.

Trezor fits users who value offline XRP storage, open-source transparency, an EAL6+ Secure Element, and touchscreen transaction checks.

---

4) Uphold

Uphold Vault combines assisted key replacement with immediate access to trading, helping users secure assets without sacrificing availability.

This “assisted” self-custody solution is built into the Uphold app to reduce the risk of losing private keys. Uphold Vault uses three keys: the user holds two and therefore maintains exclusive control and ownership of the funds, while Uphold holds the remaining key as a co-signer for transactions the user initiates. A key-replacement service adds another recovery path. The live Vault beta currently supports XRP, with additional network integrations planned for 2024.

• Coins Supported: BTC, ETH, XRP, XDC, DAG, ADS etc.
• Type of wallet: Custodial wallets
• Price: Free

Uphold Standout Features

• If private keys are lost, Vault can initiate their replacement and provide a secure route back to the assets.
• Assets can be transferred to Uphold and traded 24/7 with one click.
• The two user-held keys and Vault Assist Tool can move funds directly on-chain even when the Uphold app is unavailable.

Uphold Pros

• Account setup is uncomplicated and suitable for beginners.
• Trading-platform access is immediate.
• Assets remain available at all times.
• A secure service replaces lost keys.
• The mobile app is intuitive.

Uphold Cons

• Complicated fee structures.

Uphold is compelling for assisted recovery, two-of-three-key control, 24/7 trading, and a beginner-friendly mobile experience.

---

5) Ledger XRP Wallet

Best Cold Wallet

Ledger XRP Wallet is a handheld hardware device built for XRP and other cryptocurrencies. An LED display validates payments, while a PIN is required to confirm them, combining convenient operation with secure use.

The wallet supports 1000+ cryptocurrencies, including Bitcoin, Ethereum & Litecoin. It is available worldwide with Android & iOS mobile apps, and its compact 72mm × 18.6mm × 11.75mm body combines lasting security with straightforward XRP management.

• Coins Supported: BTC, ETH, LTC, DOGE, etc.
• Type of wallet: Hardware wallet
• Price: $169

Ledger XRP Wallet Standout Features

• Private keys stay offline to lower exposure to hacking and theft.
• Ledger Live manages XRP and other cryptocurrencies on desktop and mobile.
• All cryptocurrency can be secured and controlled from one place.
• Extensive Customer Support: Help is available through a knowledge base, live chat, and email.
• Ledger Live securely swaps XRP directly for other cryptocurrencies.
• Staking Support: Users can earn rewards.
• Affordable: The stated price is just $169.

Ledger XRP Wallet Pros

• Supports 1000+ coins and tokens.
• Bluetooth connectivity is included.
• A USB-C cable removes the need for an OTG kit.
• Battery life reaches 8 hours.

Ledger XRP Wallet Cons

• The wallet is expensive.
• Touchscreen support is unavailable.

Ledger XRP Wallet works well for cold storage users who need Ledger Live, Bluetooth, a compact design, and support for 1000+ assets.

---

6) Binance

Best for Multiple Trading Features

Binance is described as a leading XRM wallet that can create a bitcoin wallet and trade more than 150 cryptocurrencies. An API also connects the platform with an existing trading application.

The platform supports 1000+ coins, including BTC and ETH. Its hot wallet is accessible in the USA, UK, Belgium, France, Italy, and over 100 countries through Android and iOS apps. For U.S. users, Federal Deposit Insurance Corp. coverage insures deposits up to $250,000 against bank failure.

Binance Standout Features

• The wallet supplies a broad collection of online trading tools.
• Continuous 24/7 support accompanies the bitcoin wallet.
• Compatible clients include Web, iOS, Android, and PC.
• The “High-Yield Center” offers earnings of up to 104.62% APY.
• Diverse Blockchain Support: Coverage includes BNB, MATIC, SOL, DOT, ADA, BTC, ETH, LTC, and more.
• Platform use is completely free.
• Both basic and advanced exchange interfaces are available for trading.
• Average daily trading volume is 1.2 Bn, with more than 1,400,000 transactions processed per second.

Binance Pros

• The source’s safest XMR wallet description includes a broad set of online trading tools.
• Support operates 24/7.
• Traders can choose between basic and advanced exchange interfaces.
• More than 100 different cryptocurrencies can be traded.

Binance Cons

• Beginner cryptocurrency users may find it somewhat difficult.
• No fiat deposits or withdrawals.

Binance suits users who want extensive asset coverage, several exchange interfaces, broad device support, and a large collection of trading features.

---

7) Kraken

Best for High Deposit and Withdrawal Limits

Kraken supports financial stability through full reserves, established relationships, and high legal-compliance standards, making it a leading option among Ripple wallets.

Its hot & cold wallet choices serve users across regions from Asia to South America. Kraken supports 120+ coins, including BTC, ETH, and DOT, through Android and iOS apps. Staking APYs range from 4% to 12%, and compatible blockchains include ERC-20, TRC-20 & Polkadot.

• Coins Supported: BTC, ETH, DOT, XRP etc.
• Type of wallet: Hot & Cold Wallet
• Price: Free

Kraken Standout Features

• Uses a comprehensive approach to security.
• Assets can be bought and sold with one click.
• The support team can be reached through live chat.
• Kraken checks every address automatically for errors.
• Customer help is available 24/7 by live chat, phone, and email.
• FinCEN regulation adds trust.
• Hardware-wallet compatibility is supported.
• High-level security measures receive priority.
• The platform is entirely free to use.

Kraken Pros

• Advanced traders receive lower trading fees.
• Educational resources are high quality.
• A straightforward experience makes the platform suitable for beginners.

Kraken Cons

• Fees are higher when Kraken Pro is not used.

Kraken is a practical choice for high limits, full reserves, regulatory oversight, hot and cold storage options, and 24/7 assistance.

---

8) Trust Wallet

Best Wallet for XRP

Trust Wallet is a leading XRP wallet with security and privacy controls intended to protect XRP and other cryptocurrencies.

This Android and iOS mobile app supports XRP and a broad selection of other cryptocurrencies while providing direct access to blockchain networks. Its approachable interface serves beginners and experienced users, and the wallet states that users retain complete control over private keys and recovery phrases for their XRP holdings.

Trust Wallet Standout Features

• Encrypted backups create a protected environment for XRP transactions.
• Support for many cryptocurrencies beyond XRP allows multi-asset management in one app.
• XRP can be bought, sold, and swapped in the app with fiat currencies including USD, EUR, and GBP.
• The framework is open-source.
• The source also states that users cannot hold keys on Trust Wallet.

Trust Wallet Pros

• A simple, intuitive interface makes the platform easy to use.
• The wallet covers a broad range of cryptocurrencies.
• Users receive complete control over XRP and other assets.

Trust Wallet Cons

• Customer support is not extensive.

Trust Wallet may appeal to mobile users who want multi-asset support, encrypted backups, and in-app XRP transactions.

---

How to Set Up a Ripple (XRP) Wallet

Step 1) Create your Coinmama Account:

• Open the Coinmama website.
• Existing users can sign in to their accounts.
• New users should choose the “Sign Up” tab and enter an email, password, first name, last name, and country of residence.

Step 2) Verify Your Account:

• Verification is required before purchasing XRP.
• Upload a national ID, passport, and any other documents required for the desired verification level.
• After verification, the account can buy XRP and use its XRP wallet.

How to Evaluate Ripple (XRP) Wallets

Consider the following factors when comparing cryptocurrency wallets for XRP:

• Usage: Start with the way you intend to use the cryptocurrency. A hardware wallet is the stated best choice for buying and holding an investment over the long term.
• 2-factor authentication: Also known as 2FA, this control requires a second identity check at login. Someone who obtains or cracks the password must still pass that additional verification level.
• Multi-signature support: When several people, such as business partners, own a wallet, access can require multiple keys. This helps prevent one person from spending funds without authorization or moving them to another wallet.
• Exchange with crypto wallets: Coinbase is used by many cryptocurrency holders because it supplies various tokens and supports payments, buying, selling, and trading through the GDAX platform.
• Multi-currency vs. single currency: Managing a different wallet for every asset becomes complicated when a person owns several cryptocurrencies, so consider an XRP wallet app that supports multiple currencies.
• QR Code Scanner: A scanner is essential for mobile-wallet access because it can generate and read QR codes for coin transfers.
• Backup Option: The chosen wallet should support immediate data backup if a laptop, PC, or phone stops working. Some mobile wallets, including Coinbase, provide a convenient restoration feature.

Steps for Buying and Transferring the Asset

The following sequence shows how the source purchases XRP through Coinmama:

Step 1) Create your Coinmama Account:

• Open the Coinmama website.
• Sign in if an account already exists.
• New users should select the blue “Sign Up” tab and supply an email, password, first name, last name, and country of residence.

Step 2) Verify Your Account:

• The account must be verified to purchase XRP.
• Upload a national ID, passport, and other documents according to the verification level you want to reach.

Step 3) Purchase your XRP:

• After signing in and completing verification, open “More Coins” and choose Ripple from the drop-down list.
• Choose a set purchase amount or enter a custom amount not more than $4,900.
• Provide the wallet address that should receive the XRP.
• Finish by selecting “Proceed to Checkout.”

Main Categories of Crypto Wallets

The important cryptocurrency-wallet categories described in the source are:

• Hot wallets: Keys—cryptography or a password—are created or stored on an internet-connected device. These wallets provide high utility but are considered less secure than cold wallets.
• Cold wallets: Also called hardware wallets, these physical devices store cryptocurrencies. The source states that they use keys created on a device that should have access to the Internet.
• Hosted wallets: These wallets run on a server outside the user’s control and hold wallet-fund data there, which makes them targets for hackers. Protection varies, and third parties insure some hosted wallets.
• Decentralized wallets: Only the user holds the keys and does not depend on a 3rd party to send, receive, or store Cryptocurrency, reducing some hosted-wallet risks. Complete privacy is not guaranteed.
• Hardware Wallets: These physical items resemble USB drives. Ledger, Trezor, and Nano X are listed as popular names, and the category is considered highly secure.
• Software Wallets: This online cryptocurrency trading platform requires no download and is accessible in an internet browser.

Final Ripple Wallet Recommendations

The best choice depends on the kind of XRP storage and access you need. Tangem Wallet combines broad asset support with mobile hardware-wallet management, while Zengo emphasizes keyless MPC protection and continuous support. Trezor and Ledger XRP Wallet are hardware options for offline storage.

Questions About Ripple (XRP) Wallets