XRP, the digital asset created by Ripple, continues to be a top choice for institutions and individual investors seeking fast, low-cost cross-border payments. As adoption grows, choosing the right XRP wallet becomes critical for security, ease of use, and long-term asset management. Whether you're new to crypto or an experienced trader, this guide reviews the best XRP wallets in 2025, highlighting features, pros and cons, and key considerations to help you make an informed decision.
We’ve evaluated each wallet based on security, supported features, user experience, and multi-currency support—ensuring you find the perfect fit for your needs.
What to Look for in an XRP Wallet
Before diving into the top picks, it’s essential to understand what makes a wallet suitable for storing XRP:
- Security Model: Opt for wallets with strong encryption, two-factor authentication (2FA), or advanced systems like MPC (Multi-Party Computation).
- Custodial vs. Non-Custodial: With non-custodial wallets, you control your private keys—ideal for full ownership. Custodial wallets offer convenience but require trust in a third party.
- Multi-Currency Support: Many users hold multiple cryptocurrencies. A wallet supporting BTC, ETH, USDT, and others simplifies portfolio management.
- Ease of Use: Especially for beginners, intuitive navigation and quick setup are vital.
- Backup & Recovery Options: Seed phrases or assisted recovery tools ensure you never lose access to funds.
- Transaction Flexibility: Look for features like swapping, staking, and fee control to maximize utility.
Now, let’s explore the top 7 XRP wallets in 2025.
1. Zengo – Most Secure Non-Custodial Wallet
Zengo stands out as one of the most secure non-custodial wallets in Web3 by eliminating traditional seed phrases through MPC (Multi-Party Computation) technology. Instead of relying on a single point of failure, Zengo splits key ownership between your device and secure cloud guardians—making it nearly impossible for hackers to gain access.
👉 Discover how Zengo protects your XRP with keyless security and instant trading tools.
Key Details:
- Coins Supported: 380+ including BTC, ETH, USDT, USDC
- Wallet Type: Software wallet (mobile app)
- Price: Free
Features:
- Keyless MPC & 3FA Guardian Security: No seed phrase means no risk of losing it. Optional third-factor authentication adds another layer.
- Instant Buy, Swap & Send: Purchase XRP directly using Visa, Mastercard, or Maestro. Cross-asset swaps between Bitcoin, Ethereum, and XRP are seamless.
- Fee Control & Transaction Turbo: Choose economy, regular, or fast transaction speeds. Cancel or speed up pending transactions with one tap.
- Legacy Transfer & Business Tools: Plan for inheritance or manage team wallets with spending limits and role-based access.
- 24/7 Live Support: Real human agents respond quickly via in-app chat—ideal for urgent queries.
Pros:
- No seed phrase vulnerability
- Intuitive interface for beginners
- Full control over assets without sacrificing security
Cons:
- Not all altcoins are supported
- Some advanced features require premium upgrades
Zengo is ideal for users who want military-grade security without the complexity of hardware devices.
2. Uphold – Best for Assisted Key Recovery
Uphold offers a unique hybrid model called the Uphold Vault, blending self-custody with assisted recovery. It uses a three-key system: you hold two keys, Uphold holds one. This ensures full control while enabling secure key replacement if access is lost.
Key Details:
- Coins Supported: BTC, ETH, XRP, XDC, DAG
- Wallet Type: Custodial wallet with assisted self-custody
- Price: Free
Features:
- Assisted Key Replacement: Regain access even if you lose your keys—rare among self-custody platforms.
- Direct On-Chain Access: Use the Vault Assist Tool to move funds without needing the Uphold app.
- Integrated Trading Platform: Buy, sell, and trade 24/7 with minimal friction.
Pros:
- Beginner-friendly setup
- Instant access to trading markets
- Strong regulatory compliance (FinCEN-regulated)
Cons:
- Fee structure can be confusing
- Limited transparency around custodial role
Uphold is excellent for those transitioning from centralized exchanges who still want enhanced control.
3. Tangem Wallet – Best Physical Card Wallet
Tangem takes a minimalist approach with its NFC-enabled crypto card, resembling a credit card but capable of storing XRP and over 4,000 other cryptocurrencies securely offline.
Key Details:
- Coins Supported: Bitcoin, XRP, Ethereum, and more
- Wallet Type: Hardware wallet (physical card)
- Price: $54.90 per card
Features:
- Seedless Design: Each card generates keys internally—no exposure to devices or networks.
- IP68 Rated: Dust and water-resistant for everyday durability.
- Mobile App Integration: Manage assets via iOS/Android app using NFC tapping.
- Free Platform Usage: No hidden fees for transactions or swaps.
Pros:
- Extremely portable and durable
- Affordable compared to traditional hardware wallets
- Simple setup process
Cons:
- Does not support NFTs natively
- Requires smartphone with NFC
Tangem is perfect for travelers or minimalists who value portability and peace of mind.
4. Kraken – Best Exchange-Integrated Wallet
Kraken combines a top-tier exchange with robust wallet functionality. Its integrated hot and cold storage system keeps funds secure while offering high liquidity and staking rewards.
Key Details:
- Coins Supported: BTC, ETH, DOT, XRP
- Wallet Type: Hot & cold wallet (exchange-based)
- Price: Free
Features:
- Regulated & Audited: Compliant with FinCEN and maintains full reserves.
- Staking with Up to 12% APY: Earn passive income on supported assets.
- Error Detection System: Automatically checks addresses before sending.
- 24/7 Support via Chat, Phone, Email
Pros:
- Trusted reputation in the crypto space
- Excellent educational resources
- High withdrawal limits
Cons:
- Higher fees on standard trading tier
- Kraken Pro required for best rates
Ideal for active traders who want both exchange access and secure storage.
5. Ledger (Nano S Plus) – Best Cold Wallet for Long-Term Holding
When it comes to offline security, Ledger remains the gold standard. The Ledger Nano S Plus supports over 1,000 cryptocurrencies, including XRP, and stores private keys in a tamper-proof chip.
Key Details:
- Coins Supported: 1000+ including BTC, ETH, LTC
- Wallet Type: Hardware wallet
- Price: $169
Features:
- Offline Private Key Storage: Immune to online hacking attempts.
- Ledger Live App Integration: Manage portfolios across desktop and mobile.
- In-Wallet Swaps & Staking: Trade or earn rewards without moving assets.
- Bluetooth Connectivity & USB-C Port
Pros:
- Industry-leading security
- Broad coin support
- Reputable customer support
Cons:
- Premium price point
- No touchscreen interface
A must-have for investors serious about protecting large holdings.
6. Binance – Best All-in-One Trading Wallet
Binance offers one of the most feature-rich ecosystems in crypto. Its built-in wallet allows users to store XRP and trade over 1,000 digital assets with massive liquidity.
Key Details:
- Coins Supported: 1000+ including BNB, SOL, ADA
- Wallet Type: Hot wallet (exchange-based)
- Price: Free
Features:
- High-Yield Programs: Earn up to 104.62% APY on select assets.
- Global Accessibility: Available in over 100 countries.
- Insurance Coverage (U.S.): Up to $250K FDIC-insured deposits via partner banks.
- Advanced & Basic Trading Interfaces
Pros:
- Massive trading volume and depth
- Extensive blockchain support
- Free platform usage
Cons:
- Complex for beginners
- No fiat deposits/withdrawals on global version
Best suited for advanced traders seeking maximum functionality.
7. Trust Wallet – Best Open-Source Mobile Option
Acquired by Binance, Trust Wallet is a decentralized mobile app that gives users full control over their private keys. It supports XRP and thousands of other tokens across multiple blockchains.
Key Details:
- Coins Supported: Wide range including XRP, ERC-20, BEP-20 tokens
- Wallet Type: Software wallet (mobile)
- Price: Free
Features:
- Open-Source Codebase: Transparent and auditable by developers.
- In-App Buying & Swapping: Purchase XRP using fiat currencies like USD or EUR.
- dApp Browser: Connect directly to DeFi protocols and NFT marketplaces.
- Encrypted Backups
Pros:
- Full user control over funds
- Clean, intuitive design
- Strong community backing
Cons:
- Limited customer support options
- No desktop version
Perfect for DeFi enthusiasts who prioritize autonomy and decentralization.
Frequently Asked Questions (FAQ)
Q: Can I store XRP on any cryptocurrency wallet?
A: No. Not all wallets support XRP due to its unique consensus protocol. Always verify XRP compatibility before depositing funds.
Q: Is it safe to keep XRP on an exchange?
A: Exchanges like Kraken and Binance are generally secure but pose risks if hacked. For large amounts, transfer XRP to a non-custodial wallet like Ledger or Zengo.
Q: Do I need a separate wallet for XRP tokens?
A: Yes. Unlike ERC-20 tokens, XRP operates on its own network. You need a wallet specifically designed to handle XRP’s address format and transaction rules.
Q: How do I recover my XRP if I lose my wallet?
A: With non-custodial wallets, recovery depends on your backup method—seed phrase or MPC guardianship. Hardware wallets typically require the original recovery sheet.
Q: Are hardware wallets worth it for small XRP holdings?
A: While overkill for tiny amounts, they offer peace of mind as your portfolio grows. Consider starting with a software wallet and upgrading later.
Q: Can I earn interest on XRP?
A: Some platforms like Kraken offer staking-like programs for XRP. However, true staking isn't native to the XRP Ledger—rewards come from platform incentives.
👉 Compare real-time prices and securely manage your XRP across top platforms today.
👉 Learn how leading wallets integrate with major exchanges for seamless trading experiences.