17 Best XRP Wallets in 2024 – Top Ripple Wallets Revealed

Launched in 2012, XRP remains one of the most popular cryptocurrencies to own. But which wallet is best for storing XRP?

This comparison guide reviews the best XRP wallets for 2024. Read on to learn how to choose and create an XRP wallet, and compare top providers with low fees and high security.

The Top XRP Wallets Ranked

After reviewing the best XRP wallets in the market, here are the top sixteen options to consider:

  1. Best Wallet – XRP non-custodial multi-chain wallet with DEX.
  2. Ellipal – Top Ripple hardware wallet offering touch-response on 10,000+ digital assets. 
  3. Ledger Nano –  Hardware wallet that stores tokens offline. Accessible via app and desktop.
  4. Gate.io – Web3 wallet with advanced trading features and dApp browser
  5. Binance – Custodial web3 wallet secured by cold storage.
  6. Bybit – Custodial wallet offering access to a wide range of web3 tools.
  7. Trezor Model T – Hardware wallet that stores private keys in cold storage.
  8. Trezor Model One – Entry-level wallet supporting 5,000+ cryptos. 
  9. Ngrave – Secure hardware wallet offering 100% offline transactions. 
  10. BitBox – Secure crypto wallet with invisible touch sensors and three-step security protocol.
  11. SafePal – Decentralized crypto wallet allowing crypto trading without KYC. 
  12. SecuX – Hardware wallet using advanced biometric recognition and military-grade security chip. 
  13. CoolWallet – Hardware wallet with an embedded EAL5+ security chip. Water and heat-resistant.
  14. CoinSpot – Australian-based hot wallet supporting more than 360 crypto assets, including XRP. 
  15. Trust Wallet – Non-custodial wallet available as mobile app and Chrome browser extension.
  16. Coinomi – Supports over 125 network standards including XRP. 24/7 customer support.
  17. XRP Paper Wallet – Print your wallet credentials and store XRP offline.

Still not sure which provider to use from the above XRP wallets list? Read on to find our comprehensive and impartial reviews.

What is an XRP Wallet? The Basics Explained

XRP, the native utility token of the Ripple network, must be stored in a crypto wallet. This keeps XRP safe and enables users to send and receive tokens.

There are many different types of XRP wallets. For instance, software wallets, such as a mobile app or desktop software. XRP is also supported by various hardware wallets. This includes Trezor and Ledger Nano.

Either way, XRP wallets serve multiple functions.

Crucially, wallets keep the XRP tokens secure and away from hackers. The level of security available will depend on multiple factors, such as:

  • Whether the XRP wallet is offered by a custodial or non-custodial provider
  • The device that the XRP wallet is stored on

Custodial XRP wallets are provided by third parties, usually exchanges. In a custodial wallet, a third-party keeps custody of your coins, and you put your trust in them to store your coins for you.

Non-custodial XRP wallets give users control of their private keys. The XRP tokens cannot be frozen, and transactions can not be denied. What’s more, users do not need to go through a custodian to transfer funds. But should the non-custodial XRP wallet get hacked – the user will not be able to recover the tokens.

Another important point is that, unlike other cryptocurrencies, XRP wallets require a ‘non-refundable deposit’. This stands at 10 XRP, amounting to approximately $5 based on current exchange rates. This was installed by Ripple to safeguard its network against remote attacks.

Why You Need an XRP Wallet

After investing in XRP, investors will need to choose a suitable wallet.

Below, we explore the key reasons why a wallet is needed when owning XRP tokens.

Securing XRP Tokens

As noted above, the primary purpose of an XRP wallet is to keep the tokens safe. The cryptocurrency markets are fraught with scams, and hackers are constantly coming up with new ways to remotely steal tokens.

As such, it’s imperative that investors choose a secure XRP wallet. The only way to access the XRP wallet will be via its private keys. This remains in the hands of the investor unless opting for a custodial XRP wallet.

In this instance, the XRP custodian will safeguard the private keys. This means investors can access their wallets simply by logging into the account.

Transferring XRP Tokens

On top of securing XRP, wallets are required to send and receive funds. All XRP transactions go through the Ripple network and are executed wallet-to-wallet.

  • In other words, users can transfer XRP by providing the recipient’s wallet address.
  • To receive funds, users need to supply their wallet address to the sender.

As we explain later, XRP transactions are super efficient. Each transfer averages just four seconds and costs just 0.00001 XRP (micro cents).

Trade XRP and Other Cryptocurrencies

The best XRP wallets offer access to the broader cryptocurrency markets. This means users can buy and sell XRP, as well as trade it for other utility tokens.

Some wallets even allow users to earn interest on XRP. For example, the Binance wallet is offering an APY of 2.3% on XRP deposits. These are flexible savings accounts, allowing users to withdraw their XRP at any time.

Best Ripple Wallets Reviewed

Now let’s explore the best XRP wallets in much more detail.

In the following sections, we review leading XRP wallets for fees, supported devices, security, usability, and more.

1. Best Wallet – Best XRP Wallet With DEX and NFT Integration, Exclusive Airdrops

Best Wallet allows users to manage multiple crypto wallets and assets, all within a single platform. This approach eliminates the need to move between various apps, improving the user experience.

Best Wallet is a non-custodial wallet, meaning users have complete control and ownership of their private keys. Advanced cryptographic techniques, multi-factor authentication, and biometric features ensure unparalleled protection for digital assets.

Besides standard digital assets, Best Wallet can handle NFTs. Users can seamlessly store, organize, and even trade their NFT collections within the wallet’s ecosystem.

Best Wallet

Upcoming Features

  • Portfolio Management: Useful for users wanting real-time investment insights. This feature will offer quick views of purchase prices, current values, and the ability to label, order, and search.
  • Market Insights & Token Analytics: Staying updated with market movements is crucial. Best Wallet aims to provide real-time updates on industry news, token sentiment, and more. 
  • Token Airdrops: A highlight is the upcoming BEST Token Airdrop, offering early buyers an exciting opportunity to earn rewards. It offers exclusive benefits in the Best Ecosystem, including no gas fees and bonus airdrops.

Best DEX

Best Dex, a decentralized exchange designed for efficient and secure trading, is integral to the Best Wallet ecosystem. Best Dex offers market insights, real-time charts, news, token info, analytics, and more. 

Plus, with no registration required and multiple tokens available for trade, it offers a seamless trading experience. Using Best DEX also entitles users to rewards in the form of the BEST token airdrop.

Consider joining the Best Wallet Telegram channel to stay updated on the latest progress.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Mobile App Non-custodial Ethereum, Polygon, BSC, and others. Depends on the third-party service providers.

If bought via Best DEX – based on a specific liquidity pool.

Yes Real-time Market Insights, NFT and DEX Integration

Pros pros

  • Multi-Blockchain Support
  • High Security Measures
  • Integrated Decentralized Exchange
  • Beneficial Rewards System

Cons cons

  • Best Wallet is only accessible via mobile. However, an expansion to desktop use is in the pipeline with an upcoming browser extension.

2. Ellipal – First Fully Metal-Sealed Hardware Wallet

The Ellipal Titan 2.0 hardware wallet is one of Ellipal’s flagship products. This cold wallet stores your XRP tokens and other assets completely offline, protecting your funds from any online hacks. 

The wallet uses an air-gapped system to ensure that transactions are completely offline. The wallet comes with a camera, which is used to scan QR codes to support offline transactions. The wallet comprises a CC EAL5+ secure element, making it one of the most secure wallets to use. 

Elliptal wallet

The device boasts a 4” IPS lamination display and supports touch response. The wallet case has an IP65 waterproof rating, making it usable in a number of settings. Along with XRP, one can trade over 10,000 cryptos and access over 50 blockchain networks with the Ellipal Titan wallet. 

This is also the world’s first fully metal-seared hardware wallet. Its anti-disassembly and anti-tampering features protect it from physical or supply chain attacks. This decentralized wallet lets you create multiple accounts and start trading within minutes. The Ellipal Titan wallet also supports an auto-destruct feature which will eradicate all your private information if any tampering occurs. 

The Ellipal wallet retails at $169. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Over 10,000 cryptos  Fees are determined by third-party providers No Fully seared metal wallet, gives access to over 50 blockchain networks, air-gapped transactions

Pros pros

  • Anti-disassembly anti-tampering wallet
  • Gives access to over 10,000 cryptos
  • Uses a 4” IPS lamination display
  • 100% air-gapped transactions
  • Auto destruct feature

Cons cons

  • Does not provide a mobile wallet 

Cryptoassets are a highly volatile unregulated investment product.

3. Ledger Nano – Keep XRP in Cold Storage for Just $79        

The next option to consider is Ledger Nano, which is also one of the best XRP wallets for cold storage. While there is also a $279 model, the basic Ledger Nano costs just $79. This offers great value for those investing large amounts into XRP.

Ledger Nano is also suitable for diversified portfolios. It supports over 5,000 cryptocurrencies across many blockchain standards. This includes everything from Binance Smart Chain and Bitcoin to Ethereum and Polkadot. Moreover, we like that Ledger Nano comes with a mobile app and desktop software.

Ledger Nano review

This enables users to swap tokens, buy cryptocurrencies with fiat money, and keep tabs on market prices. However, users still need to verify outgoing transactions via the Ledger Nano device itself. Just like Trezor, transactions are confirmed via a PIN. Ledger Nano is secured by a backup passphrase that is displayed to the user when setting the wallet up.

Type of Wallet Custodianship Supported Cryptos Fee for Buying Bitcoin Mobile App? Features
Hardware wallet Non-custodial 5,000 cryptocurrencies across multiple blockchains, including XRP, Bitcoin, Ethereum, Polkadot, and Binance Smart Chain Powered by Changelly, which builds commissions into the exchange rate Yes Ledger Live supports dApps, including 1inch, Paraswap, and Lido. Buy and sell crypto via Changelly

Pros pros

  • Cold storage wallet retailing from $79
  • Supports over 5,000 cryptocurrencies
  • Trade tokens and view market prices via the Ledger Nano app and desktop software
  • Private keys are encrypted within the device

Cons cons

  • The advanced model retails for $279
  • Will not suit active traders

4. Gate.io – Web3 Wallet with Futures, NFTs, and DEX

Gate.io is one of the leading exchanges in the world due to the quality of its features and its versatility. Its Gate.io Web3 wallet is a clear example of this with advanced trading options as well as access to all that Web3 has to offer.

gate.io web3 wallet

The wallet provides holders with entry into the world of Web3 through its built-in dApp browser. Users can also gain access to exclusive presales and airdrops through the Gate.io Startup program, a blockchain project launchpad.

Gate.io also stands out for its investment options with perpetual futures (with leverage up to 100x), inscriptions, yield farming, and staking options. Gate.io wallet holders can easily trade over 1,000 cryptos on its decentralized exchange (DEX).

Security-wise, the platform offers 2FA, data encryption, and cloud backup. It also undergoes a yearly security assessment by Hacken that includes penetration testing and smart contract audits.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Software wallet Non-custodial Over 1,000 cryptos  Network fees plus spread Yes DEX, NFTs, Perpetual Futures, Inscriptions, dApp Browser, passive earning

Pros pros

  • Comprehensive trading features
  • Gives access to over 1,000 cryptos
  • Gate.io Startup 
  • Passive earning options
  • Supports NFTs
  • Access to over 10,000 dApps

Cons cons

  • Can be more suitable for advanced traders

5. Binance – Convenient XRP Wallet That Connects to the Binance Exchange    

Binance is one of the best XRP wallets for active investors. It offers a web and mobile wallet that connects to the Binance exchange. Both options are custodial, so Binance keeps the private keys and XRP tokens safe.

Although some investors have concerns with custodial wallets backed by exchanges, Binance offers many security tools. For example, logging into the account requires two-factor authentication. This requires confirmation via email and/or SMS, depending on the device being used. Binance also requires verification when logging in from a new device or IP address.

Binance wallet review

Internally, Binance operates a fully-fledged risk management team, cold storage, and an insurance fund called SAFU. The latter takes a percentage of trading commissions earned and is used to compensate users if their account is hacked. But SAFU may not cover all investors if Binance witnesses a large-scale hack, so bear this in mind.

In addition to convenience and security, Binance is the best XRP wallet for trading. Its exchange attracts the largest trading volume in the industry and offers commissions of just 0.1% per slide. On top of XRP, Binance supports some of the best cryptocurrencies to buy.

This covers Bitcoin, Ethereum, Cardano, Litecoin, and hundreds more. Finally, Binance also offers XRP savings accounts. Currently, XRP deposits yield an APY of 2.3% and come without withdrawal restrictions.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Web wallet and mobile app Custodial 350 cryptocurrencies across multiple blockchain networks, including XRP, Ethereum, Bitcoin, Solana, Arbitrum, Polygon, and BNB 0.1% commission per slide Yes Exchange services, XRP savings accounts, lots of internal and external security features

Pros pros

  • Best wallet for XRP traders
  • Custodianship is protected by 2FA, whitelisting, and cold storage
  • Backed by the world’s largest exchange
  • Earn an APY of 2.3% on flexible XRP savings accounts

Cons cons

  • SAFU might not cover a large-scale attack
  • The exchange was hacked in 2022

Cryptoassets are a highly volatile unregulated investment product.

6. Bybit – Access Multi-Blockchain Interaction with this Custodial XRP Wallet 

One of the top XRP wallets is offered by Bybit, a top cryptocurrency wallet with over 16 million registered users. 

Unlike most of the wallets on this list, Bybit is a custodial wallet. This means that users do not need to protect their private keys since they are looked after by Bybit. Through the Bybit wallet, investors can trade XRP and thousands of cryptos. 

Bybit wallet homepage

Furthermore, Bybit supports seamless and secure multi-blockchain interaction. Therefore, you can swap XRP for thousands of cryptos across eight different bridges. This secure platform also utilizes advanced cryptographic management to protect your funds. 

XRP can also be traded on ApeX – a non-custodial multi-chain derivatives decentralized exchange. ApeX experiences a daily trading volume of more than $40 billion.  A decentralized wallet, Bybit lets you access a range of DApps (Decentralized Applications).

The fees to trade XRP start from just 0.1% per transaction. To diversify your portfolio, you can even invest in new cryptos for discounted prices through Bybit’s ‘IDO’ platform. Tokens can also be staked to generate passive income through the wallet. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Desktop/Mobile app Custodial XRP and thousands of other cryptos Starts from 0.1% per transaction Yes Swapping and token bridging, access to new IDOs, token staking  

Pros pros

  • Swap and bridge cryptos
  • Low trading fees for XRP
  • Offers access to IDOs
  • Access multiple DApps
  • Token swapping supported

Cons cons

  • Does not offer complete ownership of private keys
  • XRP staking not supported

7. Trezor Model T – Secure XRP Wallet for Large-Scale Investors   

The next XRP crypto wallet to watch is Trezor Model T – one of the flagship products of Trezor.

While hardware wallets like Trezor make it inconvenient to actively trade XRP, it’s one of the best crypto wallets for safety. As a hardware wallet, the Trezor Model One device is always offline. This offers a cold storage solution that removes the threat of a remote hack.

Trezor Model T home

Even if the Trezor device was stolen, hackers would have a hard time accessing the XRP tokens. This is because of a requirement to enter a PIN to authorize outgoing transactions. The PIN must be entered on the device itself, and each incorrect attempt doubles the time delay. Most importantly, the XRP tokens can be recovered remotely on another device.

The Trezor Model T comes with a 1.54″ touchscreen, and a compatible USB-C charger. The wallet uses the Shamir Backup – providing user’s with a 12-word phrase to access the wallet.

Another unique feature of the Trezor Model T is a staking mechanism – through which you can stake your assets and generate passive income. This advanced wallet model is priced at $219.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Supports over 8,000 cryptos Fees are determined by third-party providers Yes Offers staking tools, institutional-grade security, ability to recover funds remotely with private keys.

Pros pros

  • The most secure way to store XRP tokens
  • Comes with security features that cannot be replicated by software wallets
  • Supports over 8,000 cryptocurrencies
  • Offers staking tools

Cons cons

  • Will not suit investors that want to actively send and receive XRP
  • The model costs $219

8. Trezor Model One – Secure XRP Wallet Priced at Just $69

The Trezor Model One is the entry-level cryptocurrency wallet offered by Trezor. Along with XRP, investors can access over 5,000 cryptos with the Model One. The platform offers robust security features, making it a safe way to store your XRP tokens. 

This hardware wallet is secured by a PIN – your entry point for accessing all your digital assets. If one were to lose or forget their PIN, the Trezor Model One also lets you enter a 12 or 24-word backup phrase which is provided while setting up your wallet.

Trezor Model One home

To purchase XRP directly with fiat, the wallet can be connected to the Trezor Suite app, which is accessible with a laptop. Notably, all the Trezor devices are RoHS and CE certified – adhering to the required quality and environmental standards. 

However, the Trezor Model One does not offer staking features like the Model T. One of the oldest and most popular hardware wallets, the Trezor Model One is the first to offer a recovery seed and passphrase. 

With a USB-C charger, the wallet can also be connected to your mobile phone via iOS and Android. Notably, this hardware wallet retails at just $69 – making it one of the most affordable wallets available. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Supports over 5,000 cryptos Fees are determined by third-party providers Yes Trezor Suite supports crypto purchases, RoHS and CE certified, offers a 24-word backup phrase

Pros pros

  • Costs just $69
  • The first hardware wallet to offer a backup passphrase
  • RoHS and CE-certified
  • Accessible with a mobile app
  • Secures XRP assets with a PIN

Cons cons

  • Does not offer staking features like the Model T 

9. Ngrave – EAL7 Certified Wallet Uses Biometric Security Protocols 

The next cryptocurrency wallet on our list is ZERO – the flagship hardware wallet offered by Ngrave. The Ngrave ZERO wallet stands out from the rest by leveraging biometric security protocols to offer a completely offline and secure XRP wallet. 

The ZERO wallet creates your ‘Perfect Key’ by using your fingerprint as a variable. This is used to create an 8-digit PIN to sign and confirm transactions. To add an extra layer of security, Ngrave’s ZERO wallet uses biometric sensors. 

Ngrave ZERO wallet

Keeping all the transactions completely offline, ZERO does not rely on any Bluetooth or Wifi-based device. Instead, it confirms offline transactions by using QR codes. These QR codes can be created by connecting your wallet to Ngrave’s LIQUID mobile app. 

Ngrave has also created a custom ZERO operating system – developed from scratch by its team of security experts. These top-quality security features have helped the wallet receive an EAL7 certification – the highest level offered in the blockchain and financial industry. 

Users can trade XRP and more than 3,700 cryptos by purchasing this wallet for $398. Offering an intuitive user interface, the hardware wallet comes with a 4” touchscreen, allowing you to manage multiple wallets with a tap and a swipe. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Supports over 3,700 cryptos Fees are determined by third-party providers Yes Offers a 4” touchscreen, uses biometric recognition and light sensors, PIN created using fingerprint 

Pros pros

  • EAL7 certified
  • Uses biometric recognition and light sensors
  • 100% offline transactions with QR codes
  • Accessible through the LIQUID mobile app
  • Trade XRP and 3,700 cryptos

Cons cons

  • Costs a hefty $398

10. BitBox – XRP Wallet Comes with Invisible Touch Sensors 

Offering an intuitive user interface, the BitBox02 wallet comes with a 128×46 px OLED Display. The wallet can be set up in 5 minutes, and lets you trade more than 1,500 cryptos along with XRP. 

One of the unique features of the BitBox02 is the invisible touch sensors on the device. A simple tap on the wallet lets you navigate through the different cryptos. If you want to confirm an XRP transaction, simply swipe on the wallet. 

BitBox wallet

One of the most secure XRP wallets, BitBox02 requires the user to input three pieces of critical information to access the device. Firstly, you must access a random secret on a secure chip. This chip also protects the device against any physical damage or tampering. 

The second requirement is to access a secret from the microcontroller. Finally, one must access the device password/PIN. Thus, the BitBox02 is one of the toughest wallets to crack. The wallet also comes with a microSD card – offering instant backup. By connecting the wallet to the BitBox app, you can set up a recovery phrase. 

This Swiss-Engineered wallet is USB-C compatible and can be connected to any Android device. The BitBox02 wallet retails at just $115.83. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Supports over 1,500 cryptos Fees are determined by third-party providers Yes Comes with invisible touch sensors, microSD card provided for backup, three-step security protocol

Pros pros

  • Three-step security protocol to prevent against hacks
  • Offers invisible touch sensors
  • Easy set-up process
  • Secure chip prevents physical damage 
  • Create a backup phrase by connecting to the BitBox app

Cons cons

  • Not compatible with iOS devices

11. SafePal – KYC-Free Decentralized XRP Wallet Offers NFT Storage, Priced at $49.99

SafePal S1 is one of SafePal’s flagship hardware wallets. With this affordable wallet, you can connect to 100+ blockchains, buy XRP offline, and store NFTs. 

A fully decentralized wallet, SafePal S1 lets you retain 100% ownership of your assets. The wallet is completely KYC-free, meaning you can start investing in XRP without providing any personal information. 

SafePal wallet

The hardware wallet boasts a 1.4” color screen and comes with a 5-button pad. Thus, navigating and trading cryptos is very simple on this wallet. You can connect to more than 100 blockchains, DeFi tools, and store your NFTs on the SafePal S1. 

Notably, this wallet uses a random number generator to create your private keys. SafePal S1 also uses a 100% air-gapped signing mechanism allowing you to verify transactions using QR codes without connecting to the internet. 

Transactions can also be verified by connecting the wallet to the SafePal S1 app or browser extension. This is accessible via iOS, Android, Firefox, and Chrome. The SafePal S1 also comprises an anti-tampering and self-destruct mechanism – protecting it from physical attacks or theft. 

One of the best things about this wallet is the price – retailing at just $49.99. Thus, the wallet may be a top choice for those with a smaller budget. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Over 100 blockchains Fees are determined by third-party providers Yes Lightweight and portable wallet, lets you store NFTs and access DeFi tools. Offers KYC-free and 100% offline transactions

Pros pros

  • KYC-free decentralized wallet
  • Confirms transactions offline using a QR code
  • Connects to 100+ blockchains
  • Comes with a 5-button pad
  • Priced at just $49.99

Cons cons

  • Does not offer advanced security features

12. SecuX – Highly Secure Wallet Uses Biometric Recognition and a Military-Grade Chip

Mastering the art of modern technology with a sleek design, SecuX’s Shield BIO is one of the top crypto hardware wallets.

The SHIELD BIO uses biometric recognition, ensuring only authenticated wallet users can access the digital tokens adding an extra layer of security for users.

Furthermore, the wallet is embedded with an EAL5+ military-grade security chip offering unparalleled security and instant access to your crypto tokens. This also provides high security for critical data storage and transactions. 

SecuX crypto wallet home

The physical wallet takes the shape of a credit card making it easy to use on the move. Furthermore, it boasts a touch configuration, allowing you to trade XRP and other tokens in only a few clicks. In total, you can access 10,000+ cryptos with the SecuX Shield BIO wallet. 

To manage all your assets, the wallet can be connected to the SecuX mobile app and desktop platform. Thus, you can access a cross-platform experience with this popular wallet. Due to the robust security protocols the wallet offers, SecuX Shield BIO retails at $149. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Over 10,000 cryptos Fees are determined by third-party providers Yes Uses an EAL5+ certified military-grade chip, touch configuration through portable wallet, cross-platform experience

Pros pros

  • Access 10,000+ cryptos
  • Advanced biometric recognition
  • Military-grade chip embedded
  • Offers a cross-platform experience
  • Portable by design

Cons cons

  • Priced at $149

13. CoolWallet – Access 10,000+ Cryptos with this Credit Card-Sized Hardware Wallet 

CoolWallet S is next on our list due to its portable design, security features, and protocols. The thinnest wallet in the world, CoolWallet takes the shape of a credit card.

Bendable by design, CoolWallet is highly durable and can be carried around in your pocket. The hardware wallet is water-resistant up to 60 minutes, and heat-resistant up to 60 degrees. The wallet is embedded with a CC EAL5+ certified secure element chip meaning the device has undergone one of the most robust security practices in the industry. 

CoolWallet home

Your wallet can be connected to the CoolWallet app on iOS and Android. However, the wallet is protected with a six-digit PIN, which is used to access the app. If a hacker manages to access your PIN, they would need physical confirmation from the hardware wallet through button confirmation. Thus, it becomes extremely difficult for a third party to access the CoolWallet.

The CoolWallet S uses advanced cold pressing technology making it inoperable once disassembled. To secure confidential data transfer, the CoolWallet uses encrypted AES-256 Bluetooth devices. In total, more than 10,000 cryptos can be accessed with the CoolWallet S. 

You can also access DeFi tools and DApps with this hardware wallet. The CoolWallet S retails at just $99. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hardware wallet Non-custodial Over 10,000 cryptos Fees are determined by third-party providers Yes Credit card-sized sleek wallet, encrypted Bluetooth devices, advanced cold pressing technology

Pros pros

  • Thinnest hardware wallet in the world 
  • Uses encrypted Bluetooth devices
  • Goes inoperable once disassembled
  • Water and heat-resistant 
  • Gives access to over 10,000 cryptos

Cons cons

  • Not 100% offline wallet 

14. CoinSpot – Australian-Based Hot Wallet Gives Access to Multiple Local Deposit Options

CoinSpot is an Australian-based cryptocurrency exchange. This exchange also supports its own hot wallet meaning it is permanently connected to the internet. Therefore, while hot wallets may be more prone to online hacks, they offer faster and instant trading access. 

The CoinSpot wallet gives you access to all the features of the exchange. Along with XRP, you can buy, sell, and hold more than 360 available cryptos. You can also view your recent order history, access charting patterns, and trade crypto through P2P (Peer-to-Peer) options. 

CoinSpot wallet

On CoinSpot, you can make deposits using local AUD deposit options. These include PayID,  Direct Deposit, Cash Deposit, BPay. The drawback is that this wallet can only be accessed by Australian-based users. 

CoinSpot wallet uses two-factor authentication to protect user’s funds. 

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Hot wallet Custodial Over 360 cryptos Fees are determined by third-party providers Yes Accessible in Australia, access local AUD payment options, access peer-to-peer trading 

Pros pros

  • Gives trading access to 360+ cryptos
  • Supports instant transactions 
  • Multiple AUD payment options 
  • Uses two-factor authentication

Cons cons

  • This hot wallet may be prone to online hacks
  • Only available for Australian users

15. Trust Wallet – Convenient Mobile Wallet Supporting dApps 

Trust Wallet is one of the best Ripple wallet apps. It’s available on both iOS and Android, as well as Chrome browsers. Setting up the wallet is simple and fast, with users needing to choose a PIN and write down their 12-word passphrase.

There are no fees to use Trust Wallet, although GAS applies when transacting. Trust Wallet makes no markups on GAS fees. Moreover, Trust Wallet does not charge any fees when swapping tokens. Trust Wallet is also ideal for connecting to dApps like Uniswap.

Trust Wallet review

In addition to XRP, Trust Wallet supports over 70 other blockchain networks. This includes everything from Bitcoin and Ethereum to Cardano and Dogecoin. We also like that Trust Wallet offers a safe way to store NFTs. The main drawback with Trust Wallet is customer service is only offered via support tickets.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Browser extension  and mobile app Non-custodial XRP and 4.5 million other tokens across 70 blockchain networks Fees are determined by third-party providers. Displayed at the time of purchase Yes User-friendly wallet app for iOS and Android, connects to dApps, in-built token swaps

Pros pros

  • Best XRP wallet app for smartphone users
  • Also compatible with Chrome browsers
  • Supports XRP and 70 other blockchain networks
  • In-built staking tools and token swaps

Cons cons

  • High debit/credit card fees
  • Customer service is offered via support tickets

16. Coinomi –  Multi-Device XRP Wallet Supporting Over 125 Blockchains

Coinomi will appeal to XRP investors that also hold other cryptocurrencies. This is because the wallet is compatible with over 125 blockchains. This includes Bitcoin, Ethereum, Litecoin, Zcash, Tron, and Binance Smart Chain. We also like that Coinomi is a multi-device wallet.

Not only does it come as a mobile app but also as desktop software. Supported operating systems include iOS, Android, Windows, Mac, and Linux. All supported wallet types are non-custodial, so Coinomi never has access to the private keys. Another feature of Coinomi is that it’s ideal for keeping tabs on market prices.

Coinomi review

For instance, users can view their portfolio values in over 168 fiat currencies. This makes it simple to assess how XRP and other cryptocurrencies are performing. Moreover, Coinomi is completely anonymous and fee-free. We also like that GAS fees are forwarded directly to miners. As such, Coinomi does not make any money from outgoing transactions.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Mobile and desktop wallet Non-custodial Supports 125 blockchain networks, meaning most cryptocurrencies are supported Fees are determined by Simplex Yes No markup on GAS fees, connects to dApps, and 24/7 customer support

Pros pros

  • Anonymous crypto wallet available on desktops and mobiles
  • Established wallet provider that was launched in 2014
  • Supports 125 blockchains – including XRP
  • GAS fees are sent directly to miners

Cons cons

  • Debit/credit card payments are processed by Simplex – which charges between 3.5-5%

17. XRP Paper Wallet – Free Paper Wallets With Printable QR Codes 

While XRP paper wallets are underutilized, they offer unprecedented security. This is because paper wallets are kept offline at all times, so it’s a fee-free cold storage alternative to Trezor. A popular provider to consider is XRP Paper Wallet.

After visiting the XRP Paper Wallet website, users simply need to click on the ‘Generate a Paper Wallet’ button. Within seconds, the platform will generate a new XRP wallet address and the respective private keys. Both are shown as QR codes that can be printed.

XRP Paper Wallet

Then, the user will keep the printout somewhere safe. To transfer XRP to the paper wallet, users simply need to scan the QR code. This is also the case when it comes to transferring the XRP out of the paper wallet. Just remember that paper wallets will not suit active XRP traders.

Type of Wallet Custodianship Supported Cryptos Fee for Buying XRP Mobile App? Features
Paper Non-custodial XRP N/A N/A Free cold storage wallet, instantly generates a new wallet address, private keys represented by a QR code

Pros pros

  • Free paper wallet for storing XRP offline
  • Instantly creates a new wallet address with private keys
  • No limit to the number of XRP wallets that can be generated
  • Print the wallet credentials via QR codes

Cons cons

  • Only stores XRP
  • Not suitable for active traders
  • Does not offer any other features – like token swaps

How we Ranked the Best XRP Wallets

  • The best wallets for XRP offer the perfect balance between user-friendliness, convenience and security.
  • Users should ensure they choose an XRP wallet that is suitable for their preferred device type.
  • While most XRP investors opt for a mobile wallet app, other options include desktop software, browser extensions and hardware devices.

In this section, we explain how we ranked the best XRP wallets reviewed above.


The first step is to evaluate how secure the chosen XRP wallet is. As noted earlier, security will often depend on the type of XRP wallet selected.

For instance, hardware wallets are the most secure, but also the least convenient. This is because XRP tokens cannot be transferred unless the user is with the device.

Mobile and browser extension wallets are secure, but not as safe as their hardware counterparts. This is also the case with Ripple desktop wallets. But equally, mobile, browser, and desktop wallets make it easy to send, receive, and trade XRP.

Support for Additional Networks

Many XRP investors also own other cryptocurrencies, such as Bitcoin and Ethereum. In this instance, it’s wise to choose an XRP wallet that supports all cryptocurrencies currently held.


XRP investors also need to think about custodianship.

  • Those looking to control their private keys will need to opt for a non-custodial wallet.
  • Those that do not want the responsibility of looking after their private keys should opt for a custodial wallet.

Those preferring a non-custodial wallet consider Gate.io (software) or Ellipal (hardware).


Looking to store XRP while trading other cryptocurrencies? Consider an XRP that offers access to exchange services.

XRP vs USD Price Chart

Binance is a good option, with the platforms supporting over 350 cryptocurrencies. Users can easily fund their trading endeavors directly from their wallets.

We also like Trust Wallet for its in-built staking and token swap tools. These tools are also offered by MetaMask.

Check out our Trust Wallet review and MetaMask review here.


All of the software and paper wallets discussed today are fee-free. This means no fees are charged to store XRP tokens.

However, hardware wallets like Trezor and Ledger Nano must be purchased. These providers charge $69 and $79, respectively, for their most basic models.

Also, be sure to check what fees apply for other features, like trading and fiat money deposits.

How do XRP Wallets Work?

A XRP crypto wallet functions as a digital wallet that allows users to securely store, send, and receive XRP tokens on the Ripple network, providing a secure and convenient way to manage their XRP holdings.

All XRP wallets come with a public address. This enables users to receive funds from another person.

Here’s an example of an XRP wallet address:


So, the owner of the above address would forward this to the sender when receiving XRP in their wallet.

Similarly, to transfer XRP to the above wallet, the sender would specify the specific address. Wallet-to-wallet XRP transfers take just four seconds to process. Moreover, fees are super low. As noted earlier, each transaction costs just 10 XRP.

Based on current prices, this amounts to approximately $0.000005. This is the case regardless of the transfer size. In addition to a public address, XRP wallets come with a unique private key. This is like the password to the wallet, so it should never be shared.

XRP wallets are unique in that they come with a 10 XRP activation fee. This means that wallet addresses are not activated on the blockchain until 10 XRP is added. Moreover, this is non-refundable. For example, depositing 60 XRP into a wallet would leave the user with 50 XRP in withdrawable funds.

Types of XRP Wallets

There are many types of XRP wallets to choose from. This includes mobile, web, desktop, and hardware wallets. Read on to learn more about each wallet type.

Software Wallet

Unless a life-changing amount of XRP is owned, software wallets are the best option. These are convenient but also come with adequate security features.

For example, the Gate.io web wallet is protected by two-factor authentication, and a regulated framework.

The Binance web wallet also comes with two-factor authentication, not to mention IP address and device whitelisting.

Those opting for a mobile wallet like MetaMask or Trust Wallet will protect XRP with a PIN or fingerprint ID.

Either way, software wallets are not only secure, user-friendly, and fee-free, but they also provide access to other features. For example, being able to earn interest on XRP or swap tokens without leaving the wallet.

Hardware Wallet

Large-scale XRP investors should consider a hardware wallet. This is the most secure way of storing XRP and other cryptocurrencies.

  • The private keys are encrypted onto the hardware device – which is always offline
  • XRP can only leave the hardware wallet after entering a PIN onto the device
  • Lost, damaged, and stolen hardware wallets can be recovered remotely with the backup passphrase

The downside of hardware wallets is convenience. For instance, users will not be able to transfer funds unless they are with the device. This could be problematic if the user is away from the device for prolonged periods and they urgently need to trade.

Paper Wallet

Paper wallets are also secure and ideal for long-term investors. They follow a similar function to hardware wallets, insofar as they are always offline.

But unlike hardware wallets, paper wallets are free. For example, XRP Paper Wallet allows users to instantly generate a new wallet address and private keys. The user can then print the QR codes generated and store the paper somewhere safe.

XRP Paper Wallet

To move the XRP to another location, users need to scan the QR code from an alternative wallet.

Are Ripple Wallets Safe?

XRP crypto wallets are generally considered safe to use, but it is crucial for users to ensure they choose reputable wallet providers, implement strong security measures, such as two-factor authentication, and exercise caution to protect their private keys and avoid potential phishing scams.

The safety of an XRP wallet will vary from one provider to the next.

At the top of the security rankings are hardware wallets like Ellipal, Trezor and Ledger Nano. These keep the XRP tokens away from live servers, removing the threat of the wallet being remotely hacked. Moreover, transactions cannot be authorized unless the user enters the wallet PIN on the device.

Software wallets are also safe, but reduced security makes way for increased convenience. For example, software wallets make it simple to send and receive funds, not to mention buy, sell, and swap XRP.

That said, XRP investors also need to consider the custodianship of the wallet to make an informed decision.

Non-custodial wallets like Gate.io, MetaMask and Trust Wallet give users full control of their XRP tokens. This is because only the user has access to their private keys.

How to Get & Use an XRP Wallet

Ready to get a free, secure, and highly convenient XRP wallet?

Read on to learn how to download and manage the Best Wallet.

Step 1: Downloading the App

Visit the Best Crypto wallet website and select whether you want to download the Android or the iOS version. The browser wallet version is under development and will be available in the near future.

best crypto wallet

Scan the QR code with your smartphone camera and download the app.

Step 2: Registration and Account Creation

Sign up using an email. Next, select your level of security. This means adding at least a four-digit passcode, but you can also add two-factor authentication and/or finger print ID.

Your account is now live.

best wallet main wallet

Step 3: Deposit and Swap Crypto

Go to the Best Wallet dashboard where you can purchase crypto tokens or trade them through the built-in DEX.

Note, some blockchains aren’t supported yet.

    Cryptoassets are a highly volatile unregulated investment product.


    In summary, we have presented a selection of XRP wallets for investors to choose from. From mobile and desktop wallets to hardware devices, there is an option to suit all requirements.

    That said, we found that Best Wallet stands out as the best XRP wallet.

    It is a non-custodial hardware wallet with integrated decentralized exchange that plans to reward active users with a BEST token airdrop.

    Cryptoassets are a highly volatile unregulated investment product.


    What is the safest XRP wallet?

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    Kane Pepi
    Kane Pepi

    Kane Pepi is an accomplished financial and cryptocurrency writer who has an extensive portfolio of over 2,000 articles, guides, and market insights. With his expertise in specialized subjects such as asset valuation and analysis, portfolio management, and financial crime prevention, Kane has built a reputation for providing clear explanations of complex financial topics. He holds a Bachelor's Degree in Finance and a Master's Degree in Financial Crime, and is currently pursuing his Doctorate degree, which focuses on investigating the complexities of money laundering in the cryptocurrency and blockchain technology sectors. Kane's wealth of knowledge and experience in the field make…