Ripple (XRP) Wallet

Hold XRP in a self-custody wallet where you own the keys. Bitcoin.com Accounts opens in your browser with nothing to download, creates your XRP address for you, and lets you buy, sell and swap in the same place.

Open the web wallet

phone showing the Bitcoin.com wallet app

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How to set up an XRP wallet at Bitcoin.com

It takes a couple of minutes in the browser. There is no app to install, no extension to add, and no recovery phrase to write down.

Open Bitcoin.com Accounts

Go to accounts.bitcoin.com in whatever browser you already use, on a laptop or a phone. Nothing to download and no extension to add before you start.

Sign in with a Google account or an email address. Use the same method every time: logging in a different way creates a separate wallet with a different address and no balance.

Set up your passkey

Your device registers a passkey, and that is also what approves each transaction later. Register it on the device you actually use, because a passkey created on a desktop will not work on a phone.

Find your XRP address

Open My Assets, choose Receive, then select XRP. Your address and QR code are there already. Accounts creates the address for you, so there is no network to configure first.

Fund the account reserve

Send at least the reserve, currently 1 XRP on mainnet, to activate the address on the XRP Ledger. Below that the ledger will not hold a balance against it, so the first deposit has to cover it.

Which is the best XRP wallet for you?

Any wallet that supports the XRP Ledger will hold XRP. What separates them is who holds the keys, how much you are storing, and whether you want it on a phone, a device or in a browser.

Hardware

The keys live on a device that stays offline, and you connect it only when moving funds. More steps, more safety.

Best for: larger amounts held long term

Mobile

An app on your phone that keeps the keys on the device itself. Quick to set up and easy for everyday transfers.

Best for: everyday holding and sending

Web3 wallet

Opened in a browser with nothing to install. Bitcoin.com Accounts works this way, and it supports XRP.

Best for: no-install browser access

Exchange

An exchange holds the keys for you. The balance is a claim on the platform rather than a wallet that you control.

Best for: trading, not for storage

Before you press send

The XRP Ledger has two rules that no other major network has, and between them they account for most XRP that goes missing.

Destination tags

Exchanges share one XRP address between many customers and use a destination tag to tell deposits apart. Send without the tag and it may not be credited.

Account reserve

An address only activates once a reserve of XRP sits on it, currently 1 XRP on mainnet. It stays locked while the address exists and can be changed by vote.

Ripple or XRP?

People use the two names interchangeably, and so do search engines. Strictly, Ripple is the company and XRP is the asset. A wallet holds XRP.

Send a test

For a first transfer to a new address, send a small amount, wait for it to arrive, then send the rest. Fees are a fraction of a cent on the XRP Ledger.

Keep your XRP safe

Back it up

Write your recovery phrase or seed down, store it offline, and never photograph it or type it into a website. It is the only way back in.

Beware fake apps

XRP wallet clones are common in app stores. Check the developer name and the reviews, and reach the download from the project's own site.

Secure the seed

Not with support, not for an airdrop, not in another wallet app. Anyone who asks you for your seed is trying to empty your wallet, no exceptions.

Cold storage

For an amount you do not touch often, keys held offline on a hardware device remove the whole category of risk that comes with being online.

Frequently asked questions

What wallet is best for XRP?

It depends on how much you hold and how often you move it. A hardware wallet suits a long-term balance, a mobile wallet suits everyday sending and receiving, and an XRPL-native Web3 wallet suits using apps on the ledger. An exchange account is for trading rather than storage.

Is there an official XRP wallet?

No. Ripple does not issue a consumer wallet, and the XRP Ledger is open, so any developer can build one. Xaman, formerly XUMM, is the best known XRPL-native option, and most major hardware and multi-coin wallets support XRP as well.

What is the safest place to hold my XRP?

A hardware wallet, where the keys are generated and stored on a device that never goes online. The trade-off is convenience: every transaction needs the device to hand. For amounts you move often, a self-custodial mobile wallet with a backed-up seed is the usual compromise.

Should I put my XRP in a wallet?

If you are holding rather than trading, yes. XRP left on an exchange is a claim on that platform, not an asset you control, and withdrawals can be paused. In a self-custodial wallet you hold the keys, which also means the backup is entirely your responsibility.

Where is the best place to store your XRP?

Off an exchange and in a wallet whose keys you hold. Which wallet depends on the amount: cold storage for a long-term balance, a mobile or Web3 wallet for XRP you use. Whichever you pick, the recovery phrase is what actually protects the funds.

Can I hold XRP with Bitcoin.com?

Yes, but not in the mobile app. The Bitcoin.com Wallet app for iOS and Android does not support XRP. XRP is on Bitcoin.com Accounts, the web wallet you open in any browser with nothing to download and no extension to add. It is self-custodial, so nobody at Bitcoin.com can reach your funds, and an XRP address is created for you automatically.

Why is XRP missing from the Bitcoin.com Wallet app?

The app and the web wallet support different assets. The app covers Bitcoin, Bitcoin Cash, Ethereum, Avalanche, Polygon, BNB Smart Chain, Solana, Base, Arbitrum, Tron, Zano and Concordium. XRP runs on the XRP Ledger, which the app does not carry, so XRP sits on Bitcoin.com Accounts instead.

What is a destination tag?

A number that tells the receiver which account a payment belongs to. Exchanges pool many customers behind a single XRP address and use the tag to route deposits. Send to an exchange without the tag and the funds may sit unassigned until support can trace them.

What is the XRP account reserve?

The XRP Ledger requires a reserve of XRP to sit on an address before it becomes active, which discourages spam accounts. On mainnet the base reserve is currently 1 XRP, plus 0.2 XRP for each object the address owns, such as a trust line. Validators can vote to change these figures, and have done so before.

Is Ripple the same as XRP?

No. Ripple is a company, XRP is the digital asset, and the XRP Ledger is the network the asset runs on. People often say "Ripple wallet" when they mean an XRP wallet. There is no separate Ripple coin to hold.

How do I buy XRP?

You can buy XRP with a card, payment app or bank account, and it arrives in a wallet you control. Payment methods and availability vary by country. The details are on our buy XRP page.

How do I sell XRP?

You can sell XRP and cash out to local currency where that route is available to you, or swap it into another asset and stay on-chain. The steps are on our sell XRP page.

What is an XRP wallet?

An XRP wallet is an app or device that holds the private keys to an address on the XRP Ledger. The coins stay on the ledger. What the wallet holds is the key that moves them, which is why the recovery phrase matters more than the app you happen to be using. In a self-custodial wallet those keys are generated on your own device and stay there.

A point of vocabulary, because it comes up constantly. Ripple is the company, XRP is the asset, and the XRP Ledger is the network it runs on. In everyday use people say Ripple wallet when they mean an XRP wallet, and that is what this page is about. If the ledger itself is new to you, our dedicated Ripple (XRP) page covers how it works.

XRP has two mechanics that most other assets do not, and both are covered further down. An address has to be funded with a reserve of XRP, currently 1 XRP on mainnet, before the ledger will activate it, and deposits to exchanges usually need a destination tag as well as an address. Getting either wrong is the most common way people lose XRP or have it go missing in support queues.

Where does XRP sit at Bitcoin.com

We run two separate products, and only one of them handles XRP. The Bitcoin.com Wallet app for iOS and Android does not support XRP. Its networks are Bitcoin, Bitcoin Cash, Ethereum, Avalanche, Polygon, BNB Smart Chain, Solana, Base, Arbitrum, Tron, Zano and Concordium, and the XRP Ledger is not among them.

XRP is on Bitcoin.com Accounts, the web wallet you open in any browser with nothing to download and no extension to add. It is self-custodial, so nobody at Bitcoin.com can reach your funds, and it creates an XRP address for you automatically. You can buy, sell and swap from the same screen. If you have been looking for XRP in the mobile app and not finding it, that is why.

Whichever wallet you use, you can buy XRP with a card or bank transfer, sell XRP when you want to, and follow the XRP price as it moves.