XRP holders need self-custody. We break down the best hardware and hot wallets for securing XRP on the XRP Ledger — from the gold-standard Ledger to beginner-friendly Coinbase Wallet.
If you hold XRP, you've probably heard the mantra: not your keys, not your coins. It's not just a slogan — it's the reality of the XRP Ledger (XRPL), where self-custody means you control your native address and base reserve, not an exchange.1
The wallets below are the ones we'd trust with our own XRP. We've split them into cold storage (hardware — best for long-term holds) and hot wallets (convenient for active use). Here's what matters for XRP specifically:
Ledger is the most trusted name in hardware wallets, and the Nano X handles XRP beautifully. It stores your private keys offline, supports native XRPL addresses, and integrates with Ledger Live for easy balance checks and transactions.1
The key advantage for XRP holders: you can pair a Ledger with Xaman (formerly Xumm) to get the security of cold storage with the usability of a hot wallet. That combo is hard to beat.1
Best for: Long-term holders who want maximum security without sacrificing the ability to interact with the XRPL ecosystem.
Tangem looks like a credit card, fits in your wallet, and is dead simple to use. It's a hardware wallet with no batteries, no cables — you tap your phone via NFC to sign transactions.1
For XRP users, Tangem is compelling because it removes the friction of carrying a USB device. It supports native XRP addresses and works with the Tangem app for sending and receiving. The trade-off: less dApp integration than Ledger + Xaman.
Best for: Anyone who wants hardware-grade security in a form factor they'll actually carry every day.
Trezor is the original open-source hardware wallet. The Safe 3 model brings a secure element chip and a color display at a competitive price. Its firmware is fully open-source, which matters if you want the community to audit every line of code.1
On the XRP side, Trezor supports native XRPL addresses and works with third-party interfaces like Xaman. The setup is slightly more technical than Ledger, but the transparency trade-off is worth it for privacy-focused holders.
Best for: Users who prioritize open-source code and want a battle-tested hardware wallet with strong XRP support.
If you're new to self-custody and not ready for hardware, Coinbase Wallet is a solid starting point. It's a non-custodial hot wallet (separate from the exchange — Coinbase the company does not hold your keys).2
It supports XRP natively, has a clean mobile interface, and makes it easy to buy XRP and send it directly into your wallet. The downside: because it's a hot wallet (connected to the internet), it's less secure than cold storage for large amounts.
Best for: Beginners who want a simple, trusted wallet to hold smaller amounts of XRP before graduating to hardware.
| Feature | Ledger Nano X | Tangem | Trezor Safe 3 | Coinbase Wallet |
|---|---|---|---|---|
| Security | Cold (hardware) | Cold (hardware) | Cold (hardware) | Hot (software) |
| Ease of use | Moderate | Very easy | Moderate | Very easy |
| XRPL dApps | Via Xaman | Limited | Via Xaman | Basic |
| Form factor | USB + Bluetooth | Card (NFC) | USB-C | Mobile app |
The XRP Ledger is designed for speed and low fees — but that doesn't mean your coins are safe on an exchange. Exchange hacks, freezes, and shutdowns have cost XRP holders millions over the years.1
A hardware wallet keeps your private keys offline, meaning even if your computer or phone is compromised, your XRP can't be stolen. For any amount you'd be sad to lose, hardware is the answer.
The XRPL also requires a base reserve of 10 XRP per wallet (as of 2025).1 That's not a fee — it's XRP you can't spend until you close the wallet. Good wallets handle this automatically, so you don't accidentally lock up more than necessary.
For most XRP holders, the ideal setup is:
If you're just starting out, Coinbase Wallet is a fine place to begin — just don't leave life-changing amounts in a hot wallet.
Disclosure: Some links on this page are affiliate links. We may earn a small commission at no extra cost to you. We only recommend wallets we've researched and would use ourselves.
This page was written by the engine and the engine is still on the line. The conversation below picks up where the article stops.
Yes — the picks above are the engine's current verdicts. Ask a sharper version of this question below and you'll get a custom answer with the latest pricing.