6 Best XRP Wallets (Ripple) in 2025

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When it comes to securely managing XRP, Ripple’s native cryptocurrency, choosing the right wallet is essential. Whether you're a long-term holder or actively trading, your wallet plays a crucial role in protecting your assets and enabling seamless transactions. With the upcoming Federated Sidechains upgrade, the XRP Ledger is expanding its capabilities to support DApps, NFTs, and more — making secure storage even more important.

In this guide, we’ll explore the 6 best XRP wallets in 2025, covering both hardware (cold) wallets and software (hot) wallets, so you can make an informed decision based on security, usability, and functionality.

What Is XRP (Ripple)?

XRP is the native cryptocurrency of the Ripple network, a blockchain-based digital payment protocol designed primarily for fast, low-cost international money transfers. Founded in 2012 under OpenCoin, Ripple aims to modernize cross-border payments for financial institutions.

The backbone of Ripple’s ecosystem is RippleNet, a global network used by over 200 banks and payment providers to facilitate real-time, low-fee transactions. Unlike most blockchains that rely on Proof-of-Work (PoW) or Proof-of-Stake (PoS), Ripple uses a unique consensus algorithm validated by a trusted network of nodes — often operated by financial institutions. This allows transactions to settle in under 5 seconds with minimal fees.

One key difference: all XRP was premined at launch, meaning no mining is involved. This design supports scalability and efficiency but places greater emphasis on secure wallet management since supply is fixed.

👉 Discover how to securely store and manage your XRP today.

Why You Shouldn’t Keep XRP on Exchanges

Many so-called “trusted” websites recommend keeping your XRP on exchanges like Binance, Kraken, or Coinbase. But remember the golden rule of crypto: “Not your keys, not your wallet.”

When you store XRP on an exchange:

A crypto wallet generates two keys:

Your recovery phrase is a human-readable form of your private key. If lost or stolen, you lose access to your funds permanently.

Exchanges are convenient for trading — not for long-term storage.

Hot Wallets vs Hardware Wallets: What’s the Difference?

🔹 XRP Hot Wallets (Software Wallets)

These are free digital wallets available as mobile or desktop apps. They’re connected to the internet ("hot"), making them easy to use but more vulnerable to hacking, malware, and phishing attacks.

Examples include Atomic, Exodus, and Trust Wallet. While convenient, they expose your data through internet-connected devices.

🔹 XRP Hardware Wallets (Cold Wallets)

Also known as cold storage, these are physical devices like the Ledger Nano X or Trezor Model T. They store your private keys offline, making them immune to online threats.

Key benefits:

For serious investors, hardware wallets are the gold standard.

The 6 Best XRP Wallets in 2025

1. Ledger Nano X – Best Overall XRP Hardware Wallet

The Ledger Nano X remains one of the most trusted hardware wallets for storing XRP securely. Compatible with Windows, macOS, Linux, iOS, and Android, it connects via USB or Bluetooth for mobile convenience.

Using the Ledger Live app, you can:

It supports over 5,500 cryptocurrencies, including full native XRP integration — no third-party apps needed. Your private keys are secured in a certified secure element chip.

💡 Price: €149

👉 Secure your XRP with advanced cold storage solutions.

2. Trezor Model T – Most Secure Option

The Trezor Model T is a premium hardware wallet renowned for its robust security and open-source transparency. Featuring a color touchscreen, it provides clear transaction verification and full user control.

With support for over 1,300 coins, including native XRP, the Trezor Model T works seamlessly with Trezor Suite (desktop/web). You can:

It supports Windows, Mac, Linux, and Android — though not iOS yet. Firmware updates are easy and regularly released.

💡 Price: €219

3. SafePal S1 – Best Budget Air-Gapped Wallet

The SafePal S1 stands out with true air-gapped technology — meaning it's completely disconnected from Wi-Fi, Bluetooth, USB, and NFC. Communication happens only via QR codes, eliminating remote hacking risks.

Features:

You can:

Backed by Binance Labs, SafePal offers enterprise-level security at a consumer-friendly price.

💡 Price: $49.99

4. Atomic – Best Free Desktop Wallet

Atomic Wallet is a non-custodial desktop solution supporting over 300 assets, including XRP. Available for Windows, macOS, Linux, iOS, and Android, it combines simplicity with strong functionality.

Benefits:

While it lacks hardware integration by default, its decentralized nature ensures you retain full ownership.

5. Exodus – Best User-Friendly Multicurrency Wallet

Exodus delivers a sleek interface across desktop and mobile platforms (Windows, Mac, Linux, iOS, Android). It syncs seamlessly between devices and supports over 100 cryptocurrencies.

For XRP users:

Its intuitive design makes it ideal for beginners — while still offering advanced features like portfolio tracking.

6. Trust Wallet – Best Mobile Wallet for DeFi

Originally acquired by Binance, Trust Wallet is a top choice for mobile users engaging with DeFi and Binance Smart Chain.

With Trust Wallet, you can:

Fully non-custodial and open-source, it empowers users to take full control of their digital assets.

Frequently Asked Questions (FAQ)

✅ Can I store XRP on any wallet?

No. Not all wallets support the XRP Ledger (XRPL). Ensure the wallet explicitly lists XRP or Ripple support before transferring funds.

✅ Which wallet is best for long-term XRP storage?

A hardware wallet like Ledger Nano X or Trezor Model T is best for long-term storage due to offline security.

✅ Can I stake or earn interest on XRP?

XRP itself does not support staking. However, some platforms offer yield-bearing products through lending or liquidity pools — always research risks before participating.

✅ Is it safe to buy XRP directly in a wallet?

Yes — wallets like Exodus, Trust Wallet, and Atomic allow direct purchases via credit card with reputable partners. Always verify URLs and avoid phishing sites.

✅ What happens if I lose my recovery phrase?

If you lose your recovery phrase and don’t have backups, you will permanently lose access to your wallet and funds. Always store it securely — never digitally.

✅ Do hardware wallets work with software wallets?

Yes. Hardware wallets like Ledger and Trezor can connect to software interfaces (e.g., Exodus, Atomic) to provide secure signing while using user-friendly UIs.

Final Thoughts

As the XRP ecosystem evolves with new features like Federated Sidechains and expanded DeFi capabilities, securing your holdings becomes increasingly vital. Whether you choose a high-security hardware wallet or a flexible software wallet, always prioritize control over your private keys.

For maximum protection, pair a hardware device like the Ledger Nano X or SafePal S1 with regular backups and strong operational security habits.

👉 Start managing your XRP safely and efficiently now.

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