XRP, the digital asset developed by Ripple, continues to be a top choice for fast, low-cost cross-border transactions. As more users adopt XRP for payments, remittances, and investments, securing your holdings with a reliable wallet becomes essential. With numerous options available — from mobile apps to hardware devices — choosing the right XRP wallet can feel overwhelming.
This guide breaks down the 7 best XRP wallets in 2025, focusing on security, ease of use, multi-currency support, and advanced features like staking and DeFi access. Whether you're a beginner or an experienced investor, this list will help you make an informed decision.
What to Look for in an XRP Wallet
Before diving into the top picks, consider these key factors when selecting a wallet:
- Security: Does it offer private key control, two-factor authentication (2FA), or multi-signature support?
- Custody Type: Is it custodial (managed by a third party) or non-custodial (you control your keys)?
- Supported Currencies: Can it store multiple cryptocurrencies beyond XRP?
- User Experience: Is the interface intuitive and beginner-friendly?
- Backup & Recovery: Does it provide seed phrases or alternative recovery methods?
- Fees & Transaction Control: Can you adjust network fees or speed up transactions?
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1. Zengo – Most Secure Non-Custodial Software Wallet
Zengo stands out as one of the most innovative non-custodial wallets in 2025, eliminating the need for traditional seed phrases through MPC (Multi-Party Computation) technology. This makes it ideal for users who want maximum security without the risk of losing recovery phrases.
Rating: ⭐ 5.0
Type: Software wallet
Price: Free
Coins Supported: 380+ including BTC, ETH, USDT, USDC, and XRP
Key Features:
- Keyless Security with 3FA Guardianship: Uses MPC and optional third-party guardians for recovery — no single point of failure.
- Buy, Swap & Send XRP Instantly: Integrated fiat on-ramps via Visa, Mastercard, and Maestro allow quick purchases.
- Transaction Fee Control: Choose between economy, regular, and fast modes; even cancel unconfirmed sends.
- Legacy Transfer Option: Plan for inheritance by allowing heirs to recover assets after prolonged inactivity.
- 24/7 Human Support: Real-time chat support with fast resolution times.
Pros:
- No seed phrase to lose
- Intuitive interface
- Strong security model
Cons:
- Limited staking capabilities
- Not all DeFi integrations are available yet
Zengo is perfect for beginners and experts alike who value simplicity and cutting-edge security.
👉 Start managing your XRP with advanced protection tools.
2. Uphold – Best Custodial Wallet with Key Recovery
Uphold offers a unique hybrid custody model called the Uphold Vault, giving users full control while providing assisted recovery options — a rare feature among custodial platforms.
Rating: ⭐ 4.9
Type: Custodial wallet
Price: Free
Coins Supported: BTC, ETH, XRP, XLM, and more
Key Features:
- Three-Key Vault System: You hold two keys; Uphold holds one as co-signer, enabling secure recovery if keys are lost.
- Instant Trading Access: Trade 24/7 directly within the app with tight spreads.
- On-Chain Withdrawals via Vault Assist: Move funds without needing Uphold’s active approval once set up.
- Global Availability: Accessible in over 180 countries.
Pros:
- Beginner-friendly setup
- Excellent mobile experience
- Secure recovery option
Cons:
- Complex fee structure on certain trades
- Lower APY on staking compared to competitors
Ideal for users who want exchange-like convenience with enhanced self-custody features.
3. Tangem Wallet – Best Seedless Hardware Card
Tangem redefines hardware storage with its NFC-enabled smart cards that securely store private keys without relying on batteries or software updates.
Rating: ⭐ 4.8
Type: Hardware wallet
Price: $54.90 per card
Coins Supported: Over 4,000, including XRP, BTC, ETH
Key Features:
- IP68-Rated Physical Cards: Waterproof and dustproof design ensures durability.
- No Seed Phrase Required (Optional): Core security relies on tamper-proof chip technology.
- WalletConnect Integration: Connects seamlessly to DeFi apps and dApps.
- Free Platform Usage: No hidden costs for transactions or management.
Pros:
- Extremely portable
- Affordable entry into hardware security
- Works offline
Cons:
- No native NFT display support
- Limited desktop interface
Great for travelers and minimalists who want cold storage without complexity.
4. Ledger (Nano S Plus / Nano X) – Best Cold Storage Solution
Ledger remains the gold standard in hardware wallets. The Nano S Plus and Nano X offer robust protection for long-term XRP holders.
Rating: ⭐ 4.7
Type: Hardware wallet
Price: $169 (Nano X)
Coins Supported: 1000+ including XRP, BTC, ETH
Key Features:
- Offline Private Key Storage: Immune to online hacking attempts.
- Ledger Live App Integration: Manage assets, stake, and swap from one dashboard.
- Bluetooth Connectivity (Nano X): Enables mobile use without cables.
- Staking Support: Earn rewards on supported coins (though not on XRP itself).
Pros:
- Industry-leading reputation
- Extensive customer support and knowledge base
- Secure element chip protection
Cons:
- Premium pricing
- No touchscreen interface
Best suited for serious investors prioritizing maximum asset protection.
5. Binance – Best All-in-One Exchange Wallet
Binance offers a powerful hot wallet integrated within one of the world’s largest crypto exchanges.
Rating: ⭐ 4.6
Type: Software (hot) wallet
Price: Free
Coins Supported: 1000+ including XRP, BTC, SOL, BNB
Key Features:
- High Liquidity & Trading Tools: Advanced charting, API access, and high-volume trading.
- Insurance Coverage (U.S.): Up to $250K FDIC insurance on USD deposits.
- Earnings Programs: Earn up to 104.62% APY in high-yield savings (varies by region).
- Global Reach: Available in over 100 countries.
Pros:
- Massive coin selection
- Strong security infrastructure
- Educational resources included
Cons:
- Not beginner-friendly for complex tools
- Limited fiat withdrawal options in some regions
Perfect for active traders who want to store and trade XRP efficiently.
6. Kraken – Best for High Limits & Regulatory Compliance
Kraken combines strong security with regulatory compliance, making it a trusted choice for large-volume users.
Rating: ⭐ 4.6
Type: Custodial software wallet
Price: Free
Coins Supported: 120+ including BTC, ETH, DOT, XRP
Key Features:
- High Deposit/Withdrawal Limits: Verified users can move large amounts daily.
- Staking with 4–12% APY: Passive income opportunities across multiple chains.
- Regulated by FinCEN: Adds legal legitimacy and trust.
- Hardware Wallet Compatibility: Use with Ledger or Trezor for added security.
Pros:
- Transparent fee model
- Excellent customer service via phone and live chat
- Strong educational content
Cons:
- Higher fees outside Kraken Pro tier
- Slower customer response during peak times
Ideal for compliant institutional or high-net-worth individuals.
7. Trust Wallet – Best Open-Source Mobile Option
Trust Wallet is a decentralized mobile wallet that gives full control over private keys and supports a wide range of blockchains.
Rating: ⭐ 4.5
Type: Software wallet
Price: Free
Coins Supported: Thousands including XRP, BNB Chain tokens, and stablecoins
Key Features:
- Open-Source Codebase: Auditable and community-driven development.
- Built-in DApp Browser: Access DeFi platforms like PancakeSwap directly.
- Fiat On-Ramps & Swaps: Buy XRP using USD, EUR, GBP via integrated partners.
- Complete Key Control: You own your recovery phrase — no third-party access.
Pros:
- Great for DeFi exploration
- Clean, modern UI
- Regular updates and improvements
Cons:
- Limited official customer support
- Some phishing risks due to DApp browsing
A top pick for mobile-first users exploring decentralized finance.
Frequently Asked Questions (FAQ)
Q: Can I store XRP on any cryptocurrency wallet?
No. Not all wallets support XRP due to its unique consensus protocol. Always confirm XRP compatibility before transferring funds.
Q: Are hardware wallets safer than software wallets?
Yes. Hardware wallets keep private keys offline, making them immune to online threats like malware and phishing — ideal for long-term storage.
Q: Do I need to pay to use an XRP wallet?
Most wallets are free to download and use. However, hardware wallets require a one-time purchase (e.g., Ledger at $169), and transaction fees apply when sending XRP.
Q: Can I earn interest on my XRP?
Currently, XRP does not support staking or native yield mechanisms. However, some exchanges like Uphold or Binance may offer reward programs based on holdings.
Q: What happens if I lose my wallet’s recovery phrase?
With non-custodial wallets, losing your seed phrase usually means permanent loss of access. Zengo and Uphold Vault offer alternatives like MPC or assisted recovery.
Q: Is it safe to keep XRP on an exchange?
Exchanges are convenient but carry higher risk (e.g., hacks). For large amounts or long-term holding, transfer your XRP to a personal non-custodial or hardware wallet.
Final Thoughts
Choosing the best XRP wallet depends on your goals: security-focused storage (Ledger), easy access (Zengo), exchange integration (Binance), or DeFi exploration (Trust Wallet). Regardless of your path, always prioritize control over your private keys and verify compatibility before moving funds.
As the crypto landscape evolves in 2025, staying informed and proactive about digital asset security has never been more important.
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