10 Best XRP Wallets for 2025 – Safest Ripple Wallets Compared

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Last updated: 

July 29, 2025

Looking for a safe place to store your XRP tokens? In this guide, we’ll compare the best XRP wallets for 2025. We examined over 50 hot and cold wallets that support Ripple to narrow down our list. We based our reviews on a hands-on approach and a deep analysis of their features. With that in mind, our ranking methodology included their security features, supported networks, storage type, DeFi features, supported devices, and fees.

The wallet that stood out from the rest is Best Wallet. This non-custodial software wallet supports over 1,000 coins and tokens across 60+ blockchains. It offers core functions, such as storing, sending, swapping, and receiving tokens, but also advanced ones like access to new token presales, transaction fee discounts, and a built-in exchange that lets you buy Ripple with fiat.

Read on to learn what makes Best Walle wallets and the other providers on our list ideal for XRP traders and investors.

Best Ripple Wallets: Full Reviews

Now that we’ve covered the basics, let’s move on to our reviews of the top XRP wallets in 2025:

1. Best Wallet – Overall Best XRP Wallet

Best Wallet is the overall best wallet for Ripple investors. This is a decentralized wallet that offers non-custodial storage. This means that Best Wallet does not have access to your private keys, giving you full control over your funds. The wallet offers beginner-friendly apps on iOS and Android devices and is currently developing a desktop version.

Best Wallet is a multi-chain wallet that supports over 1,000 cryptocurrencies across 60 blockchains. On top of XRP, this includes Bitcoin, Litecoin, BNB, Solana, Avalanche, Dogecoin, Dash, and Ethereum. This makes it ideal for storing crypto portfolios in one place. Best Wallet comes with basic functionalities, such as storing, sending, and receiving XRP. It also offers premium features, such as being able to stake cryptocurrencies and swap tokens without leaving the wallet.

The wallet is integrated with Onramper, which means that you can buy XRP with fiat. It also has an integrated DEX, which will enable you to trade crypto directly from the app. Moreover, you won’t have to pass the KYC requirement. $BEST token holders will gain access to new cryptocurrencies, pay lower transaction fees, and earn higher staking rewards. Check out our extensive review to learn more about this wallet provider.

2. Margex Wallet – Best XRP Wallet for Margin Trading

Margex is a trading platform with an integrated Web3 wallet called Margex Wallet. This is a custodial hot wallet, which means that Margex will take care of your private keys. Although the wallet supports a limited number of coins and tokens (50+), you can use it to deposit and trade XRP. The minimum deposit amount is $10. Keep in mind that you won’t be able to withdraw XRP without specifying a MEMO tag. Moreover, the minimum withdrawal requirement stands at 20 XRP.

You can buy XRP directly from the wallet via third-party providers, like Changelly and ChangeNOW. At the time of writing, Margex doesn’t support XRP trading pairs. However, you can use Ripple USD (RLUSD) as collateral for margin trading. You can also set up a leverage of up to 100x. When it comes to security, Margex incorporates access segregation to prevent internal fraud. It also stores your funds in a multisignature offline cold storage.

The wallet is available as a desktop and mobile app. You can use it to stake BUSD, ETH, USDC, USDT, and BTC for up to 7% APY.

3. Zengo – Best XRP Hot Wallet for Security

Zengo is a self-custodial software wallet that leverages next-gen MPC cryptography instead of private keys and seed phrases, which makes it less vulnerable to hacks. The wallet uses three-factor authentication through email, biometrics, and recovery files, and you can create up to 5 segregated wallets to add an additional layer of security. You can use the wallet to buy Ripple using multiple payment options, including Apple Pay, Google Pay, credit and debit cards, bank transfers (SEPA and SWIFT), and PayPal.

Zengo will enable you to swap XRP tokens for other cryptos, such as Ethereum, Dogecoin, and Shiba Inu, and you can take advantage of its Earn feature to stake ETH. Zengo is available as a desktop and mobile app (Android and iOS). You can use it to manage your NFTs on Ethereum and Polygon and gain access to dApps.

Zengo offers two wallet versions – essential and pro. If you want to unlock additional features, such as Legacy Transfer, Theft protection, and Web3 firewall, we advise you to upgrade to Zengo Pro. However, this service will cost you $19.99 per month.

4. Ellipal – Best Cold Wallet for XRP

The Ellipal Titan 2.0 is a popular hardware wallet designed to protect your XRP and other cryptos from online hackers by storing it completely offline. The wallet uses an air-gapped system— meaning it never connects to the internet. Instead, it has a camera that scans QR codes to make transactions. It also has a highly secure chip inside (called CC EAL5+) that makes it one of the safest wallets available.

The Ellipal Titan 2.0 has a 4-inch touchscreen and is waterproof, so it can be used in many different places. It can hold over 10,000 different types of cryptos and works with more than 50 blockchain networks.

This wallet is unique because it’s one of the first fully metal-sealed hardware wallets in the world. It’s designed to protect against physical attacks and tampering. You can create multiple accounts on it and start using it quickly. It even has a self-destruct feature that erases all your private information if someone tries to break into it. You can use the wallet to buy, send, and swap XRP tokens. However, you’ll need to use third-party providers like Simplex and MoonPay to purchase Ripple directly from the app. It’s worth noting that the Ellipal Titan wallet costs $129.

5. Ledger Nano S Plus– Best Crypto Wallet for XRP for Long-Term Investors

The Ledger Nano S Plus is a non-custodial hardware wallet that will enable you to buy, manage, and swap XRP via its mobile and desktop apps. You can buy Ripple using a credit/debit card or bank transfers via its third-party service providers, such as MoonPay, PayPal, Ramp, and Sardine. You can also swap XRP on the Ledger Live without converting it to fiat.

. As a cold storage solution, the Ledger Nano S Plus offers one of the safest ways to secure XRP tokens long-term. In addition to cold storage, users must enter a PIN on the device to authorize transfers. As such, even if the wallet was stolen, transactions cannot be executed. The Ledger Nano S Plus also offers remote recovery. This is achieved by importing the 24-word backup passphrase into another wallet. The wallet is also compatible with 50+ wallets.

You can buy the Ledger Nano S Plus for $79 directly from the manufacturer’s website. It supports XRP and dozens of other blockchain standards. This includes Bitcoin, Ethereum, and Binance Smart Chain.

6. Trezor – Best XRP Wallet for Budget-Conscious Traders

Trezor is a self-custodial hardware wallet that will enable you to receive, sell, swap, and move your XRP holdings from any wallet or exchange to your Trezor device. You can also purchase Ripple directly from the wallet via the Trezor Suite app that’s available on desktop, web, and mobile. Moreover, you can integrate Trezor devices with various software wallets to additionally secure your funds.

Trezor is recognized as the best wallet for budget-conscious traders due to its affordable prices. On that note, you can buy the Trezor Model One for a mere $49, while the Trezor Safe 3, Trezor Model T, and Trezor Safe 5 cost $79, $129, and $169, respectively. Trezor offers very affordable prices compared to other hardware wallet providers. All models, except Trezor Model One, support XRP. However, to purchase Ripple, you’ll first need to install the Trezor Suite app and choose a third-party provider, like Simplex or Banxa.

So, which model to choose? The Trezor Safe 5 is a relatively premium choice. It has a 1.54″ color touchscreen and haptic feedback for easy navigation. The Trezor Safe 3 balances security and affordability with a 0.96″ monochromatic OLED display and a two-button interface. It also includes ‘Secure Element’ protection as well as on-device passphrase entry. On the other hand, the Trezor Model T, while slightly older, remains a solid option with its 1.54″ color touchscreen and support for Shamir Backup. All three models integrate with Trezor Suite for quick and easy asset management.

7. Binance Wallet – Best XRP Wallet For Beginners

In 2023, Binance transitioned its wallet from a custodial to a self-custodial model. This means that you’ll be in full control of your funds and private keys. You can use the wallet to transfer your assets from Binance to your wallet and move across CeFi and DeFi. Binance Wallet aggregates liquidity from multiple DEXs, enabling you to get the best swap rates. What’s more, Binance Wallet leverages Binance Bridge, which will enable you to swap XRP across multiple blockchains.

The wallet has an intuitive interface, which makes it suitable for beginners. It supports all 500+ cryptocurrencies listed on its exchange. This includes XRP, Bitcoin, Tether, Litecoin, Cardano, BNB, and Dogecoin. You can buy XRP using credit/debit cards, Google Pay, or Apple Pay.

Binance Wallet is also a great option for earning XRP rewards. Its Earn service will enable you to stake XRP for an APY that ranges between 0.47% and 117.44%. New wallet users will also be able to take advantage of its zero-fee promotions.

8. Bybit Wallet – Best XRP Wallet for Portfolio Diversification

Another promising XRP wallet to consider is the Bybit Wallet. It’s native to a well-established crypto exchange with over 16 million users. Bybit will offer you the option to choose one of its three hot wallets – cloud, seed phase, and keyless, which makes it ideal for portfolio diversification. The Cloud wallet is a custodial wallet that’s integrated with the Bybit account. The Seed Phase wallet is a non-custodial wallet that can be integrated into the Bybit wallet through a seed phrase. The Keyless wallet is a non-custodial wallet that utilizes MPC technology. All three wallets are available as web extensions (Chrome) and mobile apps (Android and iOS).

The wallet allows you to trade and store XRP and nearly 1,000+ other cryptos. It works with multiple blockchains and lets you swap XRP for many different cryptos on multiple networks. To top it off, Bybit uses advanced security methods to keep your crypto safe.

The fees for trading XRP on Bybit start at just 0.1% per transaction, which is quite low. You can also trade XRP on ApeX, a decentralized exchange connected to Bybit that handles over $40 billion in trades daily and allows you to use various dApps.You can also use the wallet to participate in airdrop events and earn staking rewards.

9. OKX Wallet – Best XRP Wallet For Swapping

OKX is known as one of the best crypto swap exchanges since it offers some of the lowest swap fees in the industry. The OKX Wallet supports 130+ native chains, and it comes as a mobile app and Chrome extension. OKX wallet will enable you to swap tokens in three modes: easy, advanced, and meme.

As its name suggests, the easy mode is designed for beginners, while the advanced mode will enable you to customize your slippage, trade across Solana, Ethereum, Base, and BSC, and get real-time data. On the other hand, the meme mode is designed for memecoin investors. The wallet aggregates liquidity from 100+ liquidity pools and DEXs to generate the best swap rates.

This wallet is part of the OKX platform, so you can easily interact with DApps and even trade NFTs without paying extra fees to OKX. You can add money to your wallet in many ways, including buying XRP with fiat (Apple Pay or Visa). You can also use it to stake XRP for an APY that currently stands at 0.34%.

10. Trust Wallet – Best XRP Wallet for Managing XRPL Tokens

Trust Wallet is considered one of the best decentralized wallets in the market. Storing and receiving cryptocurrencies is free, and no markups are made on outgoing transactions. Trust Wallet recently introduced XRPL token support, which means that you can now send, receive, and manage tokens built on the XRP Ledger, like ARMY and RLUSD. This will enable you to get wider access to the Ripple ecosystem since you’ll get to trade both XRP and XRPL-based tokens.

Trust Wallet supports over 10 million coins and tokens across 100+ blockchains. This includes XRP, Bitcoin, Arbitrum, Cardano, Ethereum, Litecoin, and many others. Moreover, Trust Wallet allows users to add custom tokens via the contract address. You can also convert over 100 fiat currencies to XRP, such as USD, EUR, and GBP, for zero fees.

You can buy XRP using a wide range of payment methods, including debit and credit cards, mobile payments, and bank transfers. However, credit/debit card purchases come with a fee that ranges between 3.5% and 5%. Trust Wallet is available to download as a free iOS and Android app and a browser extension for Chrome.

The Basics of Ripple Wallets

Ripple wallets allow investors to store, send, and receive XRP tokens. Most Ripple wallets are software-based and can be accessed via an app, desktop software, or web browser. Long-term investors might consider a Ripple hardware wallet, which keeps the XRP tokens in cold storage.

After buying XRP from an exchange, the next step is to choose a suitable Ripple wallet. In a nutshell, Ripple wallets keep XRP tokens safe. All XRP wallets come with a public address and a private key.

• The public address is similar to a. bank account number, as it allows users to receive XRP tokens.
• The public key represents the user’s password, so it must never be shared.

XRP wallets come with varying levels of security, depending on the type. For example, leading custodial wallets typically offer two-factor authentication, and the private keys are kept in institutional-grade cold storage. The wallet custodian is required to secure client-owned XRP tokens.

Non-custodial wallets require users to look after their own private keys. This is usually provided as a 12 or 24-word secret passphrase. Non-custodial wallets are often protected by a password, although multi-sig permissions and biometrics add extra layers of security. Many XRP wallets allow users to swap tokens and access exchange services. This will suit active investors that want to store and trade XRP tokens without leaving the wallet. In most cases, XRP wallets are free to use. However, to activate a Ripple wallet address, users need to add a non-refundable deposit of 10 XRP. This amounts to approximately $5 based on current XRP/USD prices.

How do Ripple Wallets Work

Now that you know how to buy XRP and where to store it. Here are the basics of Ripple wallets are as follows:

• Ripple wallets allow users to store XRP tokens
• Users can also send and receive XRP tokens via the blockchain
• Additional wallet features can include token swaps and fiat money deposits

Before getting started, users should be familiar with how incoming and outgoing transactions work. First, XRP transactions are processed wallet-to-wallet. To receive XRP, the funds will need to be sent to the user’s wallet address. Each XRP wallet address is unique. This ensures that the transfer goes directly to the wallet owner.

Outgoing transactions work much the same. The sender will transfer the XRP tokens to the receiver’s wallet address. Only the sender pays fees when transferring XRP. This is fixed at 0.00001 XRP, or about $0.000047 based on current prices. This makes it very efficient to transact in XRP. Wallet-to-wallet transfers are fast, too, often taking a few seconds. That said, when creating an XRP wallet, it remains inactive until it is funded. To activate the address, users need to add at least 10 XRP. This cannot be withdrawn, so it’s a non-refundable deposit. We should also note that XRP wallets are secured by private keys. Whether or not the user has access to the private keys depends on the custodianship.

• Custodial XRP wallets do not share private keys with users
• Non-custodial XRP wallets do provide users with private keys, usually via a backup passphrase

Private keys provide access to the XRP wallet from any device. As such, those opting for a non-custodial wallet should ensure the private keys are kept safe.

Different Types of Ripple Wallets

It is also wise for XRP investors to understand the different types of Ripple wallets in the market. Read on to distinguish between software, hardware, and paper wallets.

Ripple Software Wallets

Most XRP investors opt for a secure software wallet. This allows investors to safely store their XRP tokens while still having access to the crypto markets. The most convenient option is to download an XRP wallet app. This gives users unfettered access to their XRP tokens at all times. The mobile wallet is secured by a PIN or fingerprint ID. Mobile wallets also make it seamless to transfer XRP, as a QR scanner is usually included.

Ripple desktop wallets are also popular. These come as downloadable software or a browser extension. Either way, desktop wallets are secured by a password and allow users to store XRP on a laptop or PC. Custodial XRP wallets are usually offered on the provider’s website. This allows users to access the wallet by logging into their account – which is often secured by two-factor authentication.

Ripple Hardware Wallets

Those who prefer security over convenience might prefer a Ripple hardware wallet. This keeps the XRP tokens in cold storage, meaning the private keys are not at risk of being hacked remotely. One of the best hardware wallets is the Ledger Nano S Plus. This retails for $79 and supports some of the best utility tokens – including XRP, Ethereum, and BNB.

Ripple Paper Wallets

Those without the budget to buy a hardware wallet might consider an alternative approach – paper wallets. This stores the private keys on a sheet of paper. There is no risk of being hacked remotely, as the XRP wallet credentials are not stored anywhere else. But do remember that paper wallets are not suitable for active traders. Moving XRP tokens from the paper wallet to another location is far from convenient.

Why Do You Need an XRP Wallet?

Below, we explain why a Ripple wallet is needed when holding XRP tokens.

Store XRP Tokens

Investing in XRP is a two-step process.

• First, the user must buy XRP from a crypto exchange.
• Second, the XRP tokens must be stored in a crypto wallet.

While most exchanges have an in-built wallet, the vast majority operate without a regulatory license. As such, it’s safer to withdraw the XRP tokens into a private wallet. Nonetheless, as long as the user follows basic security practices (like not sharing their private key or clicking on unknown links), the wallet will keep the XRP tokens secure.

Transfer XRP Tokens

In addition to keeping the XRP tokens safe, Ripple wallets also allow users to transact. Transactions go through the Ripple network, which takes seconds to validate. Ripple wallets provide users with a unique public address. Here’s an example of what that looks like: rpAepkGqJnQSNTxozKSu9KPrxHVgyLpL8p. The public address should be provided to the sender when receiving XRP tokens in the wallet. Similarly, users can transfer XRP to another person by providing the recipient’s wallet address.

Trade XRP Tokens

The best wallets for XRP come with additional functionality, such as being able to trade. Best Wallet, for example, is developing a tool that will allow users to swap XRP tokens on a cross-chain basis. This means that XRP can be swapped for tokens on another blockchain network, like Bitcoin or Ethereum.

Earn XRP Rewards

Although XRP cannot be staked on the blockchain, a number of Ripple wallets support interest-bearing products. For example, the best wallet for Ripple savings accounts is Binance. While the APY is modest at 1.98%, users can withdraw their XRP tokens at any time. Some wallets allow users to lend their XRP tokens to borrowers. This will generate interest, allowing investors to earn passive income.

How Safe Are XRP Wallets?

We have discussed a variety of XRP wallet types. But which is the safest? It goes without saying that cold storage offers the most secure way to store XRP tokens. After all, an overwhelming majority of cryptocurrency thefts are conducted remotely. Cold wallets solve this issue by remaining offline at all times. But cold wallets do not make it convenient to access the cryptocurrency markets. Those looking to actively move XRP tokens might prefer a hot wallet. The security offered by hot wallets will depend on the custodianship.

Non-custodial hot wallets like Best Wallet and Trust Wallet do things differently. As only the user has access to the wallet’s private keys, it is their responsibility to keep them safe. This can be secured via a password, PIN, or biometric ID – depending on the provider. Ultimately, no XRP wallets are 100% risk-free. As such, users should have a firm understanding of wallet best practices before choosing a provider.

How to Store Seed Phrases Securely

When using a non-custodial wallet to store XRP, users are required to store their seed phrase. The seed phrase consists of a sequence of numbers that must be inputted in the right order to access your crypto wallet. Therefore, users should securely store their seed phrases by purchasing a storage device such as Cryptotag. The Cryptotag seed phrase device stores up to 42 seed phrases. They are stored in aerospace-grade 6mm titanium plates. The device is water and heat-resistant, and bulletproof. This ensures the proper security of your seed phrases at all times.

How to Set up an XRP Wallet

Looking to store XRP tokens in a secure Ripple wallet right now? Here are the required steps when using Best Wallet, a non-custodial wallet.

Step 1: Download the Best Wallet App

Users can get started by downloading the Best Wallet app on iOS and Android. Click ‘Download’ and get the app for free. Best Wallet will soon be compatible with desktop devices.

Step 2: Registration Process

Once the app is downloaded, you can open the application and register a new account. Simply enter your email address manually, or click the ‘Continue with Apple/Google’ button to continue.

Step 3: Complete Security Requirements

Users have the option to create two-factor authentication to add an extra layer of security to their accounts. You will be provided with a six-digit security code, which needs to be entered every time you visit the app. There is also a mandatory four-digit security password you have to create – this will give you access to the app. Best Wallet also offers a fingerprint verification option to access the account.

Step 4: Start Using Best Wallet

After the registration and security steps have been completed, users can access the entire suite of features that Best Wallet offers. This includes the decentralized exchange, trading options, and upcoming features such as market insights, NFT wallets, and staking features.

References

• Hardware Wallets Comparison (Ledger)
• XRP Market Data (CoinMarketCap)
• XRP Ledger Reserve Requirements (XRPL.org)
• What is Self-Custody? (DFINITY Foundation)
• XRP Transaction Costs (XRPL.org)
• Money-Laundering Regulations (FCA)

FAQs