Choosing the right wallet to store XRP is more than a matter of convenience—it’s about safeguarding your assets against loss, theft, or misdirected transactions. This guide highlights the most reliable XRP wallets in 2026, balancing security, usability, and XRPL-specific features.
Why Wallet Choice Matters for XRP Holders
XRP transactions require careful handling of destination tags and memos, and the XRPL’s low, fixed fees make speed and clarity essential. Wallets that offer clear transaction previews and prevent blind signing reduce the risk of irreversible mistakes. OneKey, for example, stands out by parsing transaction details on-device, helping users verify recipient, amount, and memo before approving transfers .
Hardware wallets remain the gold standard for long-term storage. Devices like Ledger, Trezor, and OneKey offer secure elements and offline key storage, minimizing exposure to online threats .
Top Wallets for XRP in 2026
OneKey (Software + Hardware Ecosystem)
OneKey combines a secure hardware device (Classic 1S or Pro) with a software app. It excels in transaction transparency by displaying human-readable details before signing, reducing blind-signing risks. It supports XRP and over 30,000 tokens, making it a robust choice for secure, long-term storage .
Ledger Series (Nano S Plus, Nano X, Flex, Stax)
Ledger remains a trusted name in cold storage. Its devices use secure element chips and integrate with Ledger Live for managing XRP, swaps, and purchases. Available models range from the affordable Nano S Plus to the premium Stax .
Trezor Series (Safe 3, Model T, Safe 5)
Trezor offers open-source security and hardware-grade protection. The Safe 3 includes an EAL6+ chip, while the Model T and Safe 5 offer touchscreen interfaces and Shamir backup. These devices work with third-party apps to manage XRP .
Tangem Wallet
Tangem’s NFC-enabled cards offer air-gapped cold storage with EAL6+ chips and no external connectivity. They’re durable, seedless, and easy to recover. Though XRPL connectivity is limited, Tangem’s partnership with Xaman enables secure interaction with the XRP ecosystem .
SafePal S1
SafePal S1 is a fully air-gapped hardware wallet with an EAL6+ chip, QR-based transaction signing, and a self-destruct mechanism. It supports XRP and offers strong security at a modest price (~$49.99) .
Zengo Wallet
Zengo is a non-custodial software wallet using MPC cryptography instead of private keys. It offers multi-factor authentication, segregated wallets, and a user-friendly interface. It supports XRP and includes fiat on-ramps and swap features .
Exodus Wallet
Exodus is a beginner-friendly, multi-platform wallet with built-in swaps, Trezor integration, and support for XRP and hundreds of other assets. It’s ideal for users who want convenience without sacrificing control .
Trust Wallet
Trust Wallet is a mobile, non-custodial wallet offering encrypted backups, fiat-to-crypto conversions, and built-in swaps. It supports XRP and many other blockchains, making it a flexible option for mobile users .
Crossmark Wallet
Crossmark is a browser extension wallet designed specifically for XRPL. It supports XRP, tokens, and NFTs, and offers robust recovery options including seed phrases and secret numbers .
Bitget, Coinbase, and Others
Hot wallets like Bitget (MPC-secured), Coinbase Wallet (regulated, user-friendly), and others offer convenience and ecosystem access. However, they may require KYC or lack full self-custody control .
Quick Comparison Table
| Wallet | Type | Strengths | Best For |
| OneKey | Hardware + App | Transaction clarity, secure element | Long-term, XRPL-savvy users |
| Ledger | Hardware | Trusted ecosystem, multi-asset support | Secure multi-asset storage |
| Trezor | Hardware | Open-source, budget options | Transparency-focused users |
| Tangem | Hardware Card | Air-gapped, durable, seedless | Portable cold storage |
| SafePal S1 | Hardware | Air-gapped, affordable, secure | Cost-conscious security seekers |
| Zengo | Software | MPC, no seed phrase, user-friendly | Mobile-first, security-aware users |
| Exodus | Software | Easy UI, swaps, hardware integration | Beginners managing multiple assets |
| Trust Wallet | Software | Mobile convenience, fiat on-ramp | On-the-go users |
| Crossmark | Browser | XRPL-specific, NFT support | XRPL-focused browser users |
What to Watch Next
- Destination Tag Clarity: Always verify that your wallet clearly displays and requires destination tags or memos for exchange deposits.
- Hardware Ecosystem Developments: Watch for firmware updates and new models that improve XRPL integration.
- Security Features: Look for wallets that prevent blind signing and offer transaction parsing.
- User Experience: Balance security with ease of use—especially if you transact frequently.
Choosing the right XRP wallet depends on your priorities: maximum security, ease of use, mobile access, or XRPL-specific features. Hardware wallets like OneKey, Ledger, and Trezor offer unmatched protection. Software options like Zengo, Exodus, and Trust Wallet provide flexibility and convenience. Crossmark and Tangem cater to niche XRPL needs. Evaluate your needs, and pick the wallet that helps you “see what you sign” while keeping your XRP safe.