Ripple wallets have evolved far beyond the simple storage apps of the past. In 2025, the question isn’t whether you need a Ripple wallet, but which type of wallet gives you the right balance of security, convenience, and flexibility.
With XRP and XRPL tokens now integrated into multi-chain ecosystems, users can choose between mobile wallets, cold wallets, and even multi-chain solutions that put Ripple side by side with Bitcoin, Ethereum, and the latest DeFi tokens.
Mobile Ripple Wallets
For everyday use, mobile Ripple wallets remain the most popular option. They allow you to send, receive, and manage XRP directly from your phone, with the added bonus of connecting to on-chain dApps and services.
Modern apps like Zypto go further, supporting XRP alongside 24,000+ other assets. That means your Ripple wallet isn’t locked into a single chain, but connected to swaps, onramps, and even real-world utilities like bill pay, mobile top-ups, and gift cards.
In addition, Zypto App supports every token issued on the XRP Ledger – that’s 584 active XRPL tokens as of late 2024. So your Ripple wallet isn’t just for XRP; it’s a gateway to the full XRPL ecosystem, from stablecoins and wrapped assets to meme tokens and community-issued IOUs.
The best mobile wallets in 2025 are also non-custodial, giving you full control of your private keys while offering extra layers of security such as biometric logins and PIN protection.
Cold Wallets for Ripple
When it comes to long-term security, cold wallets are still the gold standard for Ripple holders. Unlike hot wallets, which stay connected to the internet, cold wallets isolate your keys offline, shielding them from hacks and malware.
The Vault Key Card takes this idea into 2025 with a modern twist. Instead of storing your full private key on the card, it uses split-key architecture: your card holds only half the key, while the other half stays encrypted inside Zypto App. Transactions require both parts, creating a unique cold-hot hybrid that’s secure but convenient.
You can hard wallet protect up to three Ripple wallets on a single card, making it a flexible option for anyone who wants to protect their XRP or XRPL tokens without juggling multiple devices. Simply tap your VKC to your device to sign a transaction.
Multi-Chain Ripple Wallets
Ripple no longer exists in isolation. With XRPL tokens gaining traction and the growth of multi-chain DeFi, a modern Ripple wallet should let you move across ecosystems without friction. Multi-chain wallets allow you to swap XRP into Bitcoin, stablecoins, or even memecoins, all within the same app.
The Zypto App is designed exactly for this multi-chain reality. It integrates Ripple wallets into a larger ecosystem where you can:
- Swap XRP cross-chain into 24,000+ supported tokens
- Load XRP onto crypto cards for real-world spending
- Pay bills and top-up mobile plans globally
- Access all 584+ XRPL tokens directly
- Connect to XRPL dApps while still having access to Ethereum, Stellar, Tron, and more
For Ripple users who want both the speed of XRPL and the reach of other chains, a multi-chain wallet is the future.
Which Ripple Wallet Should You Choose?
Choosing between a mobile, cold, or multi-chain Ripple wallet depends on how you plan to use your XRP. If daily payments and swaps matter most, a mobile Ripple wallet will serve you well. For long-term protection, a cold wallet remains the safest choice. And for those living fully on-chain, a multi-chain wallet that integrates Ripple with the wider crypto economy is the most powerful option.
The good news is that Zypto App provides all three. You can manage XRP and every XRPL token from your phone, secure your assets cold with the Vault Key Card, and connect Ripple to 24,000+ tokens across multiple blockchains – all inside one ecosystem.
In 2025, Ripple wallets aren’t just about holding XRP. They’re about connecting Ripple to the broader digital asset world, giving you freedom, security, and new ways to use your crypto every day.
Learn how to set up a Ripple wallet in Zypto Appt in our full guide.
FAQs
What is a Ripple wallet?
A Ripple wallet is a digital tool that allows you to store, send, and receive XRP and other tokens issued on the XRP Ledger.
What types of Ripple wallets are available in 2025?
In 2025, Ripple wallets include mobile wallets for everyday use, cold wallets for offline storage, and multi-chain wallets that integrate Ripple with other blockchains.
Does a Ripple wallet only store XRP?
No. Modern Ripple wallets support all tokens issued on the XRP Ledger, as well as cross-chain swaps into assets like Bitcoin, Ethereum, and stablecoins.
What is the difference between a Ripple hot wallet and a cold wallet?
A hot wallet is connected to the internet, offering convenience for daily transactions. A cold wallet is kept offline, providing stronger protection against hacks.
Can I use a Ripple wallet for XRPL tokens?
Yes. Ripple wallets can hold XRP and XRPL-based tokens. Multi-chain wallets go further by letting you access XRPL tokens alongside thousands of other digital assets.
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