Last update: Jun 9, 2021

6 Best XRP Wallet Apps: Hardware and Mobile (2021)

So, you decided to invest in the world’s third-largest cryptocurrency and now you need the best XRP wallet to store it, huh?. Well, you came to the right place! In the following guide, we’ll review the Top 6 choices and inform you of each one’s pros and cons.

Best XRP wallets

Read it all the way through and you’ll become a crypto expert like few others.

Or follow your heart, go directly to the wallet of your choice, and read what we have to say about it.

Today is a good day. Today is the day you pick your XRP wallet.

But first, there are a few things you have to know.

Hardware wallets vs. Software wallets

A software wallet can be an online app you access through your computer or phone, a mobile wallet to use on your phone, or a program you download to a desktop computer.

They’re usually free, but some of them charge you a minimum percentage for every transaction you make through them. They all aim to be as secure as they can, and are always improving in that regard.

The ones that live on the Internet are called hot wallets. That doesn’t imply they’re insecure. But if the funds are not accessible through the Internet, in what’s known as cold storage, that adds an extra layer of security.

If you want yet another extra layer of security, a hardware wallet is what you’re looking for. The device you buy is that extra layer. You can’t access your funds without that hardware. So be aware: they’re not for everyone. Some of you might want a wallet that lives on the cloud, always accessible.

On the other hand, some of you might want an even colder, completely analog option.  That would be the paper wallet. More on that later.

The cost of doing business: 20 XRP

These are the rules of the XRP Ledger: to activate a wallet you have to deposit 20 XRP.

Consider it the minimum balance of a traditional bank account. You’ll never be able to retrieve them or send them to other people, though.

That fact relieves the XRP Ledger of congestion, noise, and phantom accounts.

For that fee, your account is guaranteed to live on the XRP blockchain forever.

What is Ripple? What is XRP?

XRP cryptocurrency

Technically speaking, the cryptocurrency we’re covering today is called XRP and not Ripple. In practice, though, everyone uses the two names interchangeably.

For the sake of thoroughness, here’s the official explanation:

The RippleNet is a blockchain-based global payments system created by Ripple Labs, Inc. A private company. It’s built over the XRP Ledger.

They also created said XRP Ledger, but as an open-source project. The company doesn’t control it and everyone can build over it. Its native digital currency is the XRP.

And that’s the cryptocurrency you’ll soon store.

Best Ripple desktop wallet

We laid out the core concepts, it’s time to unveil the best XRP wallets around.

Let’s start with a real classic:

Rippex

How can a wallet that closed operations in 2019 remain a popular choice? Well, Rippex is a Ripple desktop wallet available for Windows, Linux, and Mac. That means that you have to download the software and install it on your computer, which many people did.

Even though the Rippex team is no longer providing support or producing upgrades, the wallets are still working. And the Rippex was so simple and user-friendly that many people still use it.

One extra thing to know about desktop wallets is that if you install them on a computer that has never been online, they automatically become cold storage. And that’s what many people want, and Rippex already provides. Why mess with a good thing? A Ripple wallet is a Ripple wallet.

A cryptocurrency wallet is a very private and delicate thing. If you’re determined to get this wallet, you’ll have to find the program through a trustworthy source.

Even though it remains popular, we wouldn’t recommend using Rippex in this day and age.

Pros

  • User-friendly
  • Secure
  • Time tested
  • Against all odds, it’s still popular. That ought to count for something.

Cons

  • No support
  • No updates
  • The risk of no official source for the install.

Cryptonator

Wallet
Cryptonator

Cryptonator is a secure and convenient multicurrency wallet. You can store bitcoin, litecoin, ethereum, and many other digital currencies in this easy-to-use mobile wallet. Cryptonator is available for both iOS and Android, so you’ll have your favorite coins with you wherever you go.

Check out Cryptonator wallet today so you can manage and exchange your preferred coins all in one place!

4/5
Visit Cryptonator

This is a multi-currency wallet, an online wallet with a really simple trading platform component. It’s available for Windows and Mac.

There’s also a mobile app for Android and iOs, if that’s what you prefer. It provides separate wallets for all the big cryptocurrencies, Bitcoin (BTC), Ethereum (ETH), Monero (XMR), DASH, Zcash (ZEC), and, of course, XRP coins.

It also supports a number of altcoins.

It doesn’t yet accept credit cards or debit cards. Deposits are via Wire transfers only.

It supports multiple fiat currencies, like USD, Euro, and Rubles.

The Cryptonator wallet appeared in 2014 and has been going strong ever since. Reportedly, it has over one million users worldwide.

It’s non-custodial, which means you get to keep all of your crypto’s private keys. It also offers 2-factor-authentication for secure log-ins. It’s still a hot wallet, but the security is there.

Last but not least, it has the most relaxed Know-Your-Costumer policy on the crypto-sphere, Your e-mail is all they ask for. Which, of course, means it’s an unregulated wallet.

That last fact is a pro for some and a con for others. What type of user are you?

Pros

  • Secure.
  • All-in-one, supports multiple cryptocurrencies.
  • A basic crypto exchange included.
  • User-friendly.
  • Provides a calculator and converter among the supported coins.

Cons

  • Questionable customer support.
  • Unregulated.
  • Relatively high fees in general.
  • The usual risks a hot wallet comes with.

Best Ripple wallet mobile app

If we’re talking crypto wallets, let’s be honest, in the present people handle their digital assets on their phones. There are no two ways about it. If the cryptocurrency of your choice is Bitcoin, the XRP coin, or any other altcoin, mobile apps are all the rage.

Atomic wallet

Wallet
Atomic Wallet

Atomic wallet is a software wallet that aims to make the complex world of cryptocurrency much simpler. With support for hundreds of coins, this easy to use wallet is available for desktop or mobile use. Plus, with a built-in exchange, you can get all your favorite cryptocurrencies anytime you want them.

The Atomic wallet offers support for a wide variety of platforms, so no matter what you prefer, Atomic has you covered.

4/5
Visit Atomic Wallet

This is not just a regular Bitcoin wallet.

The Atomic is a multi-currency wallet available in both desktop and mobile forms. You can use it on almost any device. As a desktop wallet, it’s available for Windows, Mac, and Linux’s Debian, Fedora, and Ubuntu. There are also Android and iOS versions.

It currently supports over 500 coins and tokens. Among them, BTC, ETH, LTC, BCH, ETC, DASH, XLM, XMR, ADA, USDT, and, of course, XRP. It has its own ERC20 token, the  Atomic Wallet Coin (AWC).

You can buy the main coins with a credit card right from the wallet, and they support USD, EUR, and many other Fiat currencies. You can’t cash out directly, though.

You can stake the coins that are built for staking, like Tron, Tezos, Cardano, and their AWC.

It’s reportedly named after the Atomic Swaps, and it offers Shapeshift and Changelly integration for easy trading between coins.

It’s open-source, decentralized, and it encrypts and stores your private keys in your own device.

So, you’re the master of your own destiny and the only one responsible for your funds’ security.  Sadly, it doesn’t offer 2-factor-authentication, which poses a risk. The team promises hardware wallet integration, but the process is not yet available.

Pros

  • Free.
  • Decentralized.
  • Coin swapping and buying right from the wallet.
  • User-friendly interface.
  • Everything is encrypted.
  • Your private keys are stored in your device.

Cons

  • Almost non-existent customer support.
  • No 2-factor-authentication.
  • No hardware wallet integration.
  • You can’t withdraw Fiat.

Abra

Wallet
Abra

If you’re in the market for an online exchange that makes buying and selling crypto simple and easy, you should check out what Abra has to offer. Abra also gives its users a way to trade digital currencies and earn interest on their stablecoins. 

Take Abra with you on the go by downloading the mobile app, which supports Android and iOS.

2.2/5
Visit Abra

Another veteran, the Abra wallet was founded in 2014 with another business in mind. They only started to deal in cryptocurrencies in 2018.

Nowadays, Abra supports  Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Monero (XMR), Neo (NEO), and, of course, Ripple (XRP). It doesn’t natively support altcoins, but it does it in partnership with Bittrex.

It offers many interesting features, but they’re dependant on where you are. For example:  If and only if you’re in the United States, you can fund your account with an American Express credit card or via bank wires.

If and only if you’re outside of the United States, you’ll be able to trade stocks and ETFs.

Other ways to fund your account are local bank transfers and the other two major credit cards, but only from the EU, the Philippines, and the US. The unbankable will have to transfer cryptocurrencies.

It also supports over 70 Fiat currencies including USD, EU, and GBP. Users of this app can send each other Fiat currencies.

The Abra wallet encrypts user information, supports 2-factor authentication, and is non-custodial. Another hot wallet that’s as secure as those can be.

Pros

  • Secure.
  • Easy to use.
  • Relatively low fees.
  • Makes other kinds of investments easy.
  • You can transfer money to other users.
  • Regulated and backed by big business.

Cons

  • The usual risks a hot wallet comes with.
  • Not native altcoin support.
  • High fees if you use credit cards.
  • Some features are not available for all users.

XUMM

Wallet
XUMM

Some people are big on Ripple and its potential and need a safe place to store their XRP. If that’s you, XUMM might be just what you need. This XRP custodial wallet lets you track your balances, transactions, and accounts, all in one place. It’s the ideal wallet if Ripple is your crypto of choice.

You can download XUMM on your smartphone or tablet and have your XRP available no matter where you go!

3/5
Visit XUMM

This one is the new kid on the block in the Ripple Network. Available for both Android and iOS, the XUMM app is not just an XRP wallet.

Sure, you can use it to store Ripple and to interact with the XRP Ledger in every possible way. It’s a solid wallet. It can do so much more, though.

The XUMM app aims to allow you to be your own bank, a dream shared by all the crypto-sphere. It wants to do so by interacting with traditional banks. Ideally, it will allow you to interact directly with your bank account.

You’ll be able to use it for payments everywhere because XUMM will handle the transactions. Vendors will only need the app to request payments. And you’ll only have to approve it, and voilá.

It offers both a hot wallet and a cold one, mirroring a checking account and a savings account.

Your contacts and your personal info never goes to the platform.

It features a currency converter for convenient interaction with the Euro and the USD.

And more importantly, it will charge no transaction fees because it’s not a for-profit app.

Pros

  • Solid wallet.
  • Simple interface.
  • Fiat integration.
  • No fees.
  • If they make work half of the projects they have, it’ll be legendary. Did we mention no fees?

Cons

  • The most exciting features are still in development.
  • Negotiations with banks are still on the way.
  • Not much information about it on the net.
  • A long way to go before mass adoption.

Best Ripple hardware wallet

If you’re serious about cryptocurrencies, a hardware wallet is probably a good investment. Be it a Trezor Model T, a Ledger Nano X, or a KeepKey, they all store your private keys offline. The added level of security a piece of hardware gives you is priceless.

There are no hardware Ripple wallets, though. Only multi-currency ones.

With that being said, which one is the best to store Ripple in?

Ledger Nano S

Wallet
Ledger Nano S

If you don’t want to mess around with software wallets, you should check out the Ledger Nano S. This affordable hardware wallet is a great way to keep your coins safe and secure. With support for nearly every coin on the market, it’s tough to go wrong with the Nano S.

To get your hands on this high-quality, affordable hardware wallet, visit the Ledger website

3.5/5
Visit Ledger Nano S

The Ledger Nano S is the smaller and cheapest option this company provides. Nevertheless, it’s extremely secure. Inside this baby, you can store Bitcoin, Ethereum, Litecoin, Monero, Dash, a whole lot of altcoins, and, of course, your precious XRP.

Its direct competitor is the Trezor Model One, which costs roughly the same, but the Ledger Nano S comes with a metal casing that makes it more durable. And with extra security certifications. Plus, to the untrained eye, it looks like a regular USB stick.

You’ll have to download and install Ledger Live, a desktop app that will allow you to receive and send cryptocurrencies, to swap coins, and even to stake Tron, Cosmos, Tezos, and other ready-for-staking cryptos.

The Ledger Nano S’s functionality and security have been tested by the best and by more than a million users worldwide, and it passed with flying colors.

Pros

  • Extra security.
  • Slick design.
  • Durable.
  • Tried and tested.
  • Multi-currency.
  • Constant firmware updates keep it current.
  • Easy to use.

Cons

  • Slow customer support.
  • It doesn’t have all the features the more expensive Ledger Nano X has.
  • You can only install a few apps on it.

Why was the Toast wallet removed from the App store?

Toast wallet for XRP

On a sadder note, the Toast wallet, one of the most recommended XRP-only wallets is no more. On June 17th, 2020, the development team announced via Twitter: “Toast Wallet has been removed from App Stores in protest at the abysmal treatment of community developers by Ripple.

The user’s funds are safe, and the existing wallets are still operational, but they’re encouraging people to move their XRPs to other services.

The reason for all of this is unknown at the moment.

It’s rumored that the development team received a grant from Xpring a few years back, and they were waiting for further support that never came. Apparently, Xpring financed newer and more exciting projects like the XUMM app instead.

Created in 2018, Xpring is a Ripple initiative that funds and supports proven projects that exist in the Ripple ecosystem, use the XRP Ledger, and trade in the XRP cryptocurrency.

How to set up a paper wallet for XRP?

The Ledger Nano S are secure. And some desktop wallets provide cold storage. A paper wallet, though, that’s the coldest of the cold.

It might be the most secure way to store your cryptocurrency, but they come with their own set of risks.

While it’s impossible for a paper wallet to fall prey to a cyber attack or to be affected by viruses, someone might simply steal the paper that contains your keys.

Or you might simply lose it. If there are no other copies, your fund will be inaccessible. There’s no way around it.

So, how do you set up one of these?

  1. Generate an XRP wallet using either RipplePaperWallet, XRPPaperWallet, or XRPnow. Those are all free services.
  2. You’ll get one public address and one private key. Treasure the second one with your life. Spread the public address around, that’s the one you send when you need someone to pay you in XRPs.
  3. Make sure everything’s working by sending a small quantity of XRPs to that public address.
  4. To verify that your funds arrived, copy your public keys in the search box of Ripple’s Account Explorer.
  5. If everything’s in order, send yourself the full amount you need to transfer.
  6. If needed, there’s no shame in printing several copies of your new wallet’s info.

Remember that you have to deposit 20 XRP to activate your account. It’s the cost of doing business in the XRP Ledger.

Avatar of andrejilisin
author Andrej Ilisin

A serial entrepreneur working primarily with digital assets. He's the CEO of Sharp Capital, a company that focuses on growing online businesses. Andrej is also huge crypto, chess, and CrossFit enthusiast.