Best XRPL (Ripple) Wallets to Hold Your XRP in 2025 by Taylor Satoshi Carter

XRP (Ripple) continues to be one of the most popular cryptocurrencies, standing as the 3rd largest crypto with a market cap of over $178 billion. This has seen a massive surge in the purchase of XRP tokens, making it crucial to secure these XRP coins in a reliable XRPL wallet. The XRP Ledger (XRPL) is a decentralized blockchain designed for fast and efficient transactions, making it essential to choose a wallet that fully supports its features.  

Whether you’re an investor, trader, or everyday user, having a secure and efficient XRPL wallet ensures smooth transactions, easy access, and top-tier protection for your XRP holdings.  

In this guide, we’ll explore the best XRPL wallets for 2025, highlighting their features, security, and usability. We’ll also introduce Zypto, a leading XRP wallet that offers unmatched security and functionality.  

What is XRPL/Ripple?

The XRP/Ripple digital payment protocol uses blockchain technology to enable smooth cross-border transactions, which is a useful tool for financial institutions and payment providers. 

XRP/Ripple operates on the XRP Ledger, a decentralized and open-source blockchain built for high performance and reliability. Because of its effectiveness, XRPL/Ripple has become a desirable choice for banks and payment processors who want to simplify international transactions.

What distinguishes XRPL/Ripple is its emphasis on compliance and collaborations with financial institutions. XRPL/Ripple establishes a link between the established financial system and digital assets by collaborating with institutions and focusing on adherence to important financial regulations. The XRPL/Ripple uses sustainable coding practices to optimize resources and reduce energy costs.

The XRPL/Ripple allows users to issue custom tokens representing various forms of value, from fiat currencies to tokenized real-world assets like real estate, commodities or company shares. For example, a company could issue a token backed by physical gold on XRPL, enabling efficient trading and transfer of ownership.

1. Zypto – The Best XRPL Wallet for 2025 

Get Started with the Zypto XRP Wallet  

Zypto stands out as one of the best XRPL wallets for securely managing and transacting XRP. With cutting-edge encryption, a user-friendly interface, and multi-factor authentication, the Zypto App allows you to manage your XRP in Zypto’s safe and easy-to-use XRPL/Ripple wallet, which is available on iOS and Android.

Along with securing your XRP, Zypto allows you to buy and spend XRP through integrated onramps, a selection of XRPL/Ripple crypto cards, gift cards, crypto bill payments and more. 

Designed for both beginners and experienced users, the Zypto XRPL/Ripple wallet provides the following features. 

Fiat to Crypto Swap

You can exchange your local fiat currency into XRPL/Ripple in more than 190 countries using the built-in buy and sell feature of the Zypto App. Buy XRPL/Ripple with credit or debit cards, bank transfers, and an extensive range of other payment methods.

Multi-Chain Swaps

The integrated multichain swap allows you to swap over 24,000 coins or token for XRP through the DeFi wallet decentralized exchange or the in-app browser that offers an easy connection to your favourite dApp.

Access to Crypto Ecosystem

Connecting to popular DApps and platforms to stake, lend, borrow, and trade your XRP is super easy with the Zypto wallet app. Manage your assets easily with an easy and intuitive user interface.

Encryption

The Zypto wallet uses multi-factor authentication and state-of-the-art encryption to protect your XRPL/Ripple. 

Read-Only Wallet

Keeping your wallet offline is the safest approach to safeguard your XRPL/Ripple. With the Zypto XRPL/Ripple Wallet, you can track, purchase, and move funds into your read-only wallets using the same stunning user interface as your live wallets. Using the seed phrase, you can get them online at any moment.

Partial Seed Phrase

Going one step further with read-only wallets, you can now decide to partially remove a portion of your seed phrase from your device. This will take your XRPL/Ripple Wallet offline until you put your secret words back in to restore it.

Zypto XRPL/Ripple Wallet Disguise Mode

Have you ever been concerned that someone would track down your phone or, worse, make you unlock it so they can access your XRPL/Ripple wallets? The “Disguise Mode” feature of the Zypto App is useful in this situation. People might never notice you have Zypto installed if, for instance, you replace the recognizable Zypto logo with an uninteresting calculator symbol!

With Zypto, you get the perfect balance of security, accessibility, and convenience, making it the top XRPL wallet to use in 2025.  

2. Xumm Wallet – XRPL Wallet for dApps and Advanced Users

Xumm is a well-known XRPL wallet developed specifically for interacting with the XRP Ledger. It’s a great choice for those looking to explore XRPL’s ecosystem.  

It is a non-custodial wallet that gives you full control over your private keys while offering a holistic connection with XRPL applications via its dApp integration. Xumm also enables secure transaction signing without exposing your private keys. 

Xumm is ideal for users who want full control over their XRP while accessing XRPL’s expanding ecosystem.  

3. Ledger Nano X – XRPL Hardware Wallet for Cold Storage 

For those prioritizing security, the Ledger Nano X works best as an XRPL wallet for cold storage. As a hardware wallet, it keeps your private keys completely offline, making it immune to hacking attempts.  

Ledger keeps your private keys offline, allows you to store XRP along with other cryptocurrencies, and offers XRP management on the go with mobile access. If you hold a large amount of XRP and want top-tier security, you may wish to consider theLedger Nano X.

4. Trust Wallet – Mobile XRPL Wallet

Trust Wallet is a versatile mobile XRPL wallet that supports thousands of cryptocurrencies, including XRP. It’s ideal for users looking for a mobile-friendly solution. It is a good entry wallet for crypto beginners with the ability to swap XRP within the wallet. Trust Wallet is great for those who need a secure and convenient mobile solution.  

5. Exodus Wallet – Desktop and Mobile XRPL Accessibility  

Exodus is a well-designed, user-friendly XRPL wallet that supports XRP on both desktop and mobile devices. It’s known for its easy-to-navigate user experience and integrated features.  

It offers cross-platform support with sync wallet access between desktop and mobile with live charts and portfolio tracking. Exodus is perfect for users who need a reliable and visually appealing XRP wallet.  

6. Atomic Wallet – XRPL Wallet for Staking & Swapping

Atomic Wallet is another multi-asset wallet that supports XRP while offering additional features like staking and atomic swaps.  

It offers passive income earning with support for other crypto assets. Atomic Wallet is a good choice for an all-in-one wallet with staking options.

Conclusion

Choosing the right XRPL wallet is essential for securely managing your XRP and taking full advantage of the XRP Ledger’s fast and efficient transactions. Whether you prefer a non-custodial mobile wallet, a secure hardware wallet, or a feature-rich desktop solution, this list provides the best options for 2025.

Among them, Zypto stands out as the best XRPL wallet, offering instant fiat to crypto swaps, multichain swaps, excellent dApp interactions, top-tier security, instant transactions and quick integration with the XRPL ecosystem. Whether you’re a long-term XRP holder or an active trader, Zypto ensures that your funds remain safe, secure, and accessible.

By selecting the right wallet, you gain ease of use, enhanced functionality, and greater control over your XRP holdings. Start protecting your assets today with a trusted XRPL wallet that suits your needs.

Which XRPL wallet do you use to store your XRP? Have you tried Zypto’s XRP wallet yet? Share your experience and recommendations in the comments below!

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