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XRP wallet

The best crypto wallet for XRP

Secure your XRP assets with the most trusted cold wallet. Cold storage wallets are encrypted devices that store your XRP coins offline, providing a layer of security against the evolving threats emerging from being connected to the internet.

Discover our cold wallet How to use XRP with Ledger
Trusted by 6 million customers

What is a Ripple (XRP) wallet?

An XRP wallet, also known as a Ripple wallet, is a digital wallet used to send, and receive XRP cryptocurrency. Ripple (XRP) wallets also allow users to store and manage their XRP holdings securely and interact with the Ripple network.
Ripple (XRP) wallets come in different forms, including software wallets, and hardware wallets.

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Hardware wallet for Ripple (XRP)

Ledger hardware wallet stores your private keys and signs transactions offline, making them resistant to malicious attacks and threats.

Ripple (XRP) wallet app

Ledger Live App is a gateway to managing your assets, staking and earning passive income, checking your real-time balance, tracking transaction histories, and more.

How to create XRP wallet?

Get a Ledger Nano

Select and purchase a Ledger wallet of your choice.

  • Beginner in the crypto world? Get started with Nano S Plus.
  • Prefer a Bluetooth connection? Try with Nano X.

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Get a Ledger Nano

Download and install the best XRP wallet app

Download and install Ledger Live in a couple of clicks. Ledger Live is a app for XRP and crypto for desktop & mobile that enables you to set up a Ledger device and manage your assets.

Download and install the best XRP wallet app

Add XRP to your Ripple wallet app

Install XRP on your Ledger Nano:

  1. Open Ledger Live and navigate to Manager.
  2. Connect and unlock your Ledger device.
  3. Search for XRP in the app catalog and click Install.
  4. Head to Accounts
  5. Add XRP Account

Add XRP to your Ripple wallet app

Buy, Manage, and Swap XRP at your fingertips

Ledger Live is your one-stop platform for smooth and complete asset management. With just a few clicks, you can buy, send/receive and swap XRP.

*Buy, send/receive, swap, stake, and other crypto transaction services are provided by third-parties partners.



You can purchase XRP through our partners with a credit card or bank transfer. XRP will be automatically sent to your Ledger device.

  • Head over to Buy/Sell.
  • In the dropdown menu, select XRP and click Continue.
  • Choose one of the three payment providers—Coinify, MoonPay or Ramp—and follow the instructions.


Swap XRP

Swap XRP

Swapping allows you to test out different cryptocurrencies, protect assets from volatility, and diversify your portfolio. Through Ledger Live, you can swap one token for another without using fiat currencies.

  • Head over to Swap.
  • On the Exchange page, select the accounts that you want to swap.
  • Enter the desired amount and click Exchange.
  • Connect and unlock your Ledger device.
  • Follow the instructions to confirm the swap.

Swap XRP

The best way to keep your Ripple (XRP) coins secure

Secure multiple assets, including Ripple (XRP) using a Ledger hardware wallet. Your private keys, giving access to your assets, remain safe in a certified secure chip.

Ledger Nano S



Protect your XRP assets with the first and only independently-certified XRP wallet on the market.

Discover our Nano S Plus
Ledger Nano X



The Ledger Nano X is a Bluetooth enabled secure and CES award winning device that protect your XRP assets.

Discover our Nano X

Choice of 6,000,000+ customers

Bertil A.


In order to secure cryptocurrencies, Ledger is the perfect tool.

Kevin L.


Simply a very elegant peace of hardware, with a gorgeous UI in the app.

James P.


ALL is good, all legal resources bought was as specified and compliant, party on.

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What is Ripple(XRP)?

XRP is a cryptocurrency that acts as the underlying bridge that facilitates the transfer of value, making money transfers between traditional financial institutions cheaper and faster. XRP Ledger, a cryptographic ledger built by Ripple, the company behind XRP, is powered by a network of nodes and uses XRP as its native cryptocurrency to settle transactions. This is also the primary use case of XRP.

The Proof-of-Work (POW) or Proof-of-Stake (POS) methods employed by the majority of current blockchains are different from the consensus mechanism utilized on the XRP Ledger network to arrange and complete transactions. XRP Ledger uses a list of recommended validators called the “Unique Node List” (UNL) that are considered while building consensus.

The UNL validators compare their respective versions of Ledger with one another in a multi-round process. Then, the validators adjust their versions until there is an agreement between 80% of them (a supermajority) about the right order of transactions. Each UNL validator then adjusts their Ledger to match the supermajority, upon which the new state is finalized.

Ripple Labs wants to use the XRP technology to speed up banking transactions all across the world. Ripple is nearly the exact opposite in every way of Bitcoin and other cryptocurrencies, which are founded on the idea of isolating financial transactions from the financial institutions of traditional currencies.

Frequently Asked Questions

The firm Ripple was formed in 2012 under the corporation OpenCoin, and development on the early iteration of XRP officially began under Jed McCaleb and Chris Larsen in late 2012.

XRP is primarily used as a means of payment and liquidity within Ripple’s RippleNet — its global payments and liquidity network. Essentially, XRP functions within a distributed ledger where transactions are processed and settled via gateways — akin to a series of private blockchains.

The Ripple Transaction Protocol is the core of the network which enables participating users and entities (i.e., financial institutions) to send and receive XRP (or fiat currencies) with a settlement time of 4 seconds and negligible transaction fees. RippleNet can process roughly 1,500 transactions per second (TPS).

There are currently more than 200 banks and payment providers in the RippleNet ecosystem.

RippleNet also enables participants to rapidly exchange fiat currencies and cryptocurrencies, making it an ideal solution for institutions moving large sums that are looking for a quick settlement and low transaction costs. However, within RippleNet, XRP functions more as a liquidity source for the exchange of currencies than a pure cryptocurrency in the sense of Bitcoin.

The network is controlled by a set of validators, which makes the network more centralized than a public blockchain such as Bitcoin or Ethereum — although Ripple plans on making more strides in decentralizing the protocol.

The primary target audience of RippleNet and XRP are financial institutions (i.e., banks) and payment providers. Ripple’s chief financial products — xCurrent, xRapid, and xVia — all target financial institutions, payment providers, and enterprises.

Of the three primary products, xCurrent is the most popular and is viewed as a rival to the outdated SWIFT system. Essentially, xCurrent empowers banks and payment providers to process cross-border payments with swift settlement times, low costs, and bidirectional messaging. The vast portion of Ripple’s financial customers are users of the xCurrent product.

However, XRP is not actually required in the xCurrent system.

Rather, xRapid is Ripple’s product that leverages XRP for liquidity sourcing. Referred to as ‘on-demand liquidity,’ xRapid is a system for reducing the need for nostro accounts that subsequently lower liquidity costs for international payments. xRapid is an add-on option to xCurrent, with XRP functioning as the intermediary digital asset that unlocks liquidity.

xVia is a payments interface with APIs for businesses to plug into the RippleNet and make payments — XRP is not required.

When you first buy asset, you’re issued with two keys: public and private.

  • A public key serves as an address that can be shared with other parties to perform transactions.
  • A private key represents a randomly generated number that signs transactions and protects your assets from malicious attacks. If it gets compromised or lost, you won’t be able to access your wallet to spend, withdraw, or transfer your tokens.

To safeguard and keep track of your keys, you can use online or offline wallets. Online wallets, also known as hot wallets, store private keys on systems or devices that are connected to the internet. Hot wallets are easy and convenient to use, however, they come with several drawbacks. Besides being susceptible to attacks and a honeypot for hackers, with hot wallets, the custody of private keys is often entrusted to a third party such as a crypto exchange, which means you never have full control over your funds. The safer choice are specialized hardware wallets that store private keys offline. Stealing private keys from a hardware wallet would require physical access to the wallet and corresponding PIN or the recovery phrase. What’s more, with hardware wallet, you don’t need to rely on third party custodians.

Ledger Nano is the industry-leading hardware wallet. With more than five million customers, Ledger Nano wallets have several layers of security that protect private keys, and hence your assets:

  • Your private keys are stored on secure element chips.
  • A PIN code and a 24-word recovery phrase are required to access the wallet.
  • Ledger Nano crypto wallets have been built using highly durable materials for protection against physical damage.

With full isolation between private keys and your computer/mobile, Ledger Nano cold wallets keep your keys secure and give you complete control over your tokens.

A XRP wallet app is a mobile or desktop application designed for managing and interacting with cryptocurrencies based on Ripple Network. Ledger Live is one such XRP wallet app that allows users to create a new wallet by generating a private key. It also securely stores, sends and receives cryptocurrencies that are built on the Ripple blockchain, such as XRP (the native cryptocurrency of the Ripple Network), and other tokens that operate within the Ripple ecosystem.

Ledger Live provides a user-friendly interface and is available as a mobile app for both iOS and Android platforms, as well as for desktops on Windows, Mac, and Linux operating systems.

The XRP wallet address format consists of a combination of letters and numbers. An XRP wallet address typically starts with the letter “r” followed by a combination of alphanumeric characters. Here’s an example of what an XRP wallet address looks like:


It’s important to note that XRP addresses are case-sensitive, so uppercase and lowercase letters must be entered correctly.

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