Xaman Wallet Review: The Best XRP Wallet in December 2025?

Eric Huffman

Verified by Ilija Rankovic

Last updated

August 19, 2025 11:46 EDT

14min read

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If you spend a lot of time in the XRP Ledger ecosystem, you’ve probably heard of Xaman. This self-custody wallet focuses on XRPL users and delivers direct access to tokens, NFTs, and dApps through a clean, mobile-first interface.

In this Xaman wallet review, we’ll share our first-hand experience testing its security, supported assets, fees, and ease of use.

You’ll see where Xaman delivers, where it falls short, and whether it belongs in your crypto toolkit this year.

What Is Xaman Wallet?

Xaman Wallet is a non-custodial mobile wallet built for the XRP Ledger. It first launched in 2021 under the name Xumm before rebranding to Xaman in 2023. From the start, its goal has been to give users a secure, all-in-one platform to store, send, and interact with XRP-based assets without relying on centralized exchanges.

The app supports the core functions XRPL users need – from sending and receiving XRP to managing issued tokens and NFTs. It also connects directly to dApps in the XRPL ecosystem, so users can trade on decentralized exchanges, verify accounts, and handle tax reporting through integrated services.

Most Xaman users are XRP traders, XRPL NFT collectors, and developers who build or test XRPL apps.

By focusing exclusively on the XRP Ledger, the wallet delivers faster transaction speeds, simpler account management, and a more tailored feature set than multi-chain wallets.

Is Xaman Wallet Safe? Security Features Reviewed

Xaman delivers a strong mix of mobile-first convenience and robust security, especially when paired with its Xaman Cards. The app stores private keys locally, encrypts them, and locks access behind a passcode or biometric authentication.

The hardware option pushes security even further by isolating keys inside a certified secure element chip, where all signing takes place internally.

Unlike some multi-chain wallets, Xaman’s entire design focuses on reducing attack surfaces. Keys never leave the device or card, transactions require explicit user approval, and the app limits repeated unlock attempts to stop brute-force attacks.

No public hack of Xaman has ever been reported. A two-phase audit by Cossack Labs – first in 2021 and then reviewed again in 2023 – found no critical vulnerabilities and confirmed significant improvements in encryption and overall security posture.

In the next sections, we’ll review Xaman’s main security features in more detail.

On-Device Encrypted Key Storage

Private keys never touch Xaman’s servers. Instead, they are generated and stored in an encrypted format within the phone’s secure storage system (Keychain on iOS, Keystore on Android).

This means even if someone gains access to the app’s files, the encryption would prevent them from using the keys without the correct authentication.

The app enforces delays after failed passcode or biometric attempts, and locks entirely after multiple wrong entries, which makes brute-force attacks practically useless.

Biometric and Passcode Transaction Approval

Whether using the mobile app or a Xaman Card, each transaction requires manual confirmation. On mobile, this means Face ID, fingerprint, or a user-set passcode.

On the hardware card, the secure chip enforces transaction signing only when tapped to the phone during an active session, so no transaction goes through without you approving it.

Independent Security Audits

Cossack Labs audited Xaman in 2021 and found no critical issues, though the review pointed out several areas to improve. The team strengthened its cryptography, rebuilt its encryption layer, and raised its OWASP MASVS security score from 43% to 89%.

A follow-up review in 2023 confirmed the upgrades and reinforced Xaman’s reputation for transparency and trust.

Xaman Wallet Supported Coins and Networks

Xaman focuses almost entirely on the XRP Ledger. It supports XRP as its primary asset, along with XRPL-issued tokens such as stablecoins, wrapped assets, and community-created tokens. Users can also store and manage XRPL-based NFTs directly in the app, with full metadata and image display.

The wallet connects to XRPL’s decentralized exchange, so users swap XRP and other XRPL tokens without using centralized platforms. Popular XRPL assets like SOLO, ELS, and CSC trade directly through this built-in DEX access.

Xaman does not compete with multi-chain wallets. It offers no support for Ethereum, Solana, or other non-XRPL networks.

For traders, NFT collectors, and developers in the XRPL ecosystem, this single-network focus creates a more optimized experience than general-purpose wallets.

Xaman Wallet Features

Xaman packs a set of tools built for XRPL users, from self-custody to integrated dApp access. Here’s a closer look at its main features.

1. Self-Custody

Xaman gives you full control of your private keys. When you create a wallet, the app generates the keys on your device and encrypts them in the phone’s secure storage (Keychain on iOS, Keystore on Android).

The keys never leave your device and never sync to the cloud. You unlock the wallet with a passcode or biometrics, and every transaction requires explicit confirmation.

If you add a Xaman Card, the wallet moves your keys into the card’s secure element. That chip never releases the key – it signs transactions internally and sends only the signed output to the app.

2. Swaps and On-Chain Trading

Xaman connects directly to the XRPL decentralized exchange (DEX), so you can trade XRP for other XRPL tokens without sending assets to a centralized exchange. The DEX uses an order book model, so you can place market or limit orders and see available liquidity before trading.

The wallet also supports XRPL’s automated market maker (AMM) pools for tokens that use this feature. This allows you to swap instantly at quoted rates or provide liquidity to earn fees.

3. Token and Account Management

Xaman supports multiple XRPL accounts within the same app. You can label accounts, switch between them, and manage trust lines for any XRPL-issued token. Setting a trust line authorizes that token in your account, and the app displays the issuer so you can avoid fake or spam assets.

The interface also flags when a token or transaction requires a memo, so you don’t lose funds to missing metadata. Advanced users can adjust account settings such as regular keys, signer lists, and domain verification.

4. dApp Integration

Xaman acts as a secure gateway to XRPL-based services:

• GateHub lets you deposit or withdraw fiat directly to and from your XRPL account.
• DEX Trade gives a more advanced trading interface with charting and order management.
• ZenLedger imports your XRPL transaction history for automated tax reporting.

You connect to dApps through Xaman’s built-in browser or by scanning a QR code. The wallet displays exactly what a dApp requests before you approve it, which helps block unauthorized access.

5. Xaman Pro

Xaman Pro targets users who need more than the standard toolkit. It unlocks premium features such as:

• Priority customer support
• Expanded account slots for managing a larger portfolio
• Advanced analytics for tracking token performance
• Exclusive beta access to new integrations

The subscription costs $5 per month or $50 per year, with a short free trial for new subscribers.

6. Xaman Cards

Developed in partnership with Tangem, Xaman Cards are NFC-enabled hardware wallets that store your keys inside a CC EAL6+ certified secure element. The card generates your key internally, signs transactions inside the chip, and never exposes the key to your phone or the internet.

You initiate a transaction in the Xaman app, then tap the card on your phone to approve it. Without the card present, no transaction can go through. This approach works even if your phone is compromised. The card has no battery, lasts for years, and remains waterproof and tamper-resistant.

Xaman Wallet Fees

Xaman does not charge fees for deposits or withdrawals. Like all non-custodial wallets, the only mandatory cost for sending transactions is the XRP Ledger network fee. On XRPL, this fee is extremely low, typically a fraction of a cent per transaction.

Swaps on the built-in decentralized exchange also carry only the standard XRPL transaction fee. The wallet does not add a markup to the swap rate, although the final price can include slippage depending on market liquidity.

For fiat purchases, Xaman integrates with third-party providers. These partners set their own fees, which can vary depending on payment method, currency, and location. The app displays the total cost, including any provider charges, before you confirm the purchase.

Xaman Wallet Customer Support

Xaman offers support through several channels. The in-app help section links to a detailed knowledge base that covers setup, security, and troubleshooting topics. You’ll find answers to most simple questions here, so you probably won’t need to message the team.

For direct assistance, users can submit a support ticket through the official Xaman website or the app. Tickets typically receive a reply within one to two business days, with faster responses for Xaman Pro subscribers.

The team also maintains active profiles on X (formerly Twitter), where community members and staff answer questions in real time.

Overall, Xaman’s support structure works well for general guidance and problem-solving, though live chat or phone support is not available.

Xaman Limitations

Xaman works well if you stick to the XRP Ledger, but it comes with some trade-offs. It only supports XRPL tokens and the Xahau network, so you can’t store or trade major coins like Bitcoin, Ethereum, or Solana. If you keep a mixed portfolio, you’ll still need another wallet.

The app doesn’t run well on tablets. Many iPads won’t install it, and even when they do, the layout feels awkward, and NFC often doesn’t work.

Because XRPL uses issued tokens, you need to trust the token’s issuer. Xaman shows you issuer details so you can double-check, but the responsibility to vet them is still on you.

Some users also point out friction around payments. There’s no option to pay directly from the wallet unless you have certain payment methods, and a few have complained about unclear limits or restrictions.

How to Set Up Xaman Wallet

In this section, you’ll learn how to install and set up the Xaman app. You can run it alone or link it with Xaman Cards for stronger security.

Step 1: Download the Xaman App

Go to the Xaman Wallet website and tap the Google Play or App Store button above to open the official download page.

Also, make sure that the publisher is XRPL Labs before installing to avoid fake apps.

Step 2: Create and Secure a New Wallet

Open the app and choose “Start.”

Set a 6-digit passcode and confirm it. Enable Face ID or fingerprint if your phone supports it.

The app will generate your private key in the form of “Secret Numbers” or a seed phrase. Write this down on paper and store it securely offline. Xaman will never display it again after setup.

Step 3: Deposit XRP or XRPL Tokens

From the main screen, tap the “Receive” button. Choose XRP or another XRPL token. Your unique wallet address (starting with “r”) will appear, along with a QR code.

• Scan the QR code if sending from another mobile wallet.
• Copy the address if transferring from an exchange.

Transactions usually appear in seconds because XRPL processes payments quickly.

Our Methodology: How We Tested and Reviewed Xaman Wallet

We put Xaman through the same rigorous testing we apply to every wallet review. This meant evaluating security features, supported assets, fees, customer support quality, and real-world usability across both iOS and Android.

Our testing covered the complete user experience. We created new wallets, imported existing XRPL accounts, executed dozens of transactions, tested DEX swaps, and connected to multiple dApps. We also used Xaman Cards to review their build quality, NFC performance, secure element rating, and how they handled transaction approval.

Each feature was scored and compared against competing wallets in the same category. We measured everything from setup complexity to transaction speeds, trustline management to dApp connectivity.

FAQs

References

1. Xaman Audit (Cossack Labs)
2. What is a Seed Phrase? (CryptoNews)
3. XRPL Transaction Costs (XRP Ledger)

Eric Huffman

Eric Huffman's background includes a decade plus in business management as well as personal finance industry experience in insurance and lending. A strong understanding of consumer finance combined with a consumer advocate stance brought Eric to the crypto industry, where he writes articles and guides aimed at making crypto easier to understand.

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