All Things XRPL
    All Things XRPL
    XRPL Wallets

    Best XRP Wallets in 2026

    We tested every major XRPL wallet — software, hardware, browser, and air-gapped — to find the best picks for daily use, cold storage and DeFi. This is the shortlist we'd recommend to a friend.

    Last updated April 2026 by the All Things XRPL editorial team
    Our pick

    Xaman (XUMM)

    Built by XRPL Labs, free, and the only wallet with full native access to the XRP Ledger DEX, AMMs and xApp ecosystem. If you're only going to install one XRPL wallet, install this one — then add a hardware wallet on top once your stack grows.

    Why it wins
    • Free with no premium tier
    • Native XRPL DEX, AMM and NFT support
    • Maintained by core XRP Ledger contributors
    Watch out for
    • Mobile only — no desktop app
    • Hot wallet, so device security matters
    Also great

    Ledger Nano X — Best cold storage for serious holders. Pair with Xaman for the strongest setup.

    See Ledger Nano X

    Top XRP wallets at a glance

    The shortlist most readers choose from. Tap any wallet for the full review.

    Xaman (XUMM)
    Mobile · Software • Free
    9.9
    Score

    Best for: Daily use, DEX, NFTs

    Ledger Nano X
    Hardware • $149
    9.9
    Score

    Best for: Cold storage

    Tangem
    Hardware (Card) • $54.90
    9.4
    Score

    Best for: Portable hardware

    Trezor Safe 5
    Hardware (Touchscreen) • $169
    9.5
    Score

    Best for: Premium open-source cold storage

    Trezor Safe 3
    Hardware • $79
    9.2
    Score

    Best for: Open-source hardware

    ELLIPAL Titan
    Hardware (Air-gapped) • $169
    9.0
    Score

    Best for: Air-gapped storage

    Crossmark
    Browser extension • Free
    9.5
    Score

    Best for: Web3 logins

    Bifrost Wallet
    Mobile · Software • Free
    9.0
    Score

    Best for: Multi-chain XRPL

    Top 3 in detail

    Xaman (XUMM)

    Mobile · Software · XRPL-native

    9.9
    Score

    Best for: Anyone using the XRPL day-to-day — DEX, AMMs, NFTs and payments.

    • Free, built by XRPL Labs (core protocol contributors)
    • Full XRPL DEX, AMM, and NFT support out of the box
    • Biometric auth and large xApp ecosystem

    Ledger Nano X

    Hardware · Cold storage

    9.9
    Score

    Best for: Holders with $1k+ in XRP who want offline, certified-secure storage.

    • CC EAL5+ Secure Element keeps keys fully offline
    • 5,500+ assets supported, not just XRP
    • Bluetooth + Ledger Live for everyday use

    Tangem

    Hardware · Card

    9.4
    Score

    Best for: Hardware security in a wallet-card form factor that taps to your phone.

    • No batteries, no cables — just NFC tap
    • Waterproof and durable, fits in a wallet
    • Set up in under 3 minutes
    For beginners

    Best XRP Wallets for Beginners →

    The simplest, free wallets to start with — no hardware purchase required.

    For long-term holders

    Best Cold-Storage Setup for XRP →

    Our recommended hardware wallet pairing for protecting larger XRP holdings.

    Free download

    Free: XRPL Wallet Starter Kit

    • Step-by-step Xaman setup checklist
    • Hardware wallet buying guide (PDF)
    • 5 mistakes new XRP holders make

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    FAQ

    For most XRP holders, the best setup is Xaman for daily use combined with a Ledger Nano X for cold storage of any holdings you can't afford to lose. Xaman is free, built by XRPL Labs and gives you full DEX/AMM/NFT access. Ledger keeps your long-term stack offline behind a certified Secure Element.