Best XRP wallet app for real use
XRP · XRP Ledger networkLooking for a XRP wallet or a XRP wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold XRP on the XRP Ledger network, swap into 24,000+ assets, connect to dApps, top up the Zypto Premium Visa Card, pay bills and buy gift cards. All from one app, with your keys staying on your device.
Why Zypto is the best XRP wallet for everyday use
Most XRP wallets do one thing: hold XRP. Zypto App is a full DeFi wallet built for actually using it. Hold XRP non-custodially on the XRP Ledger network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first XRP wallet app or your first XRP wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
XRP wallet for beginners and the best XRP wallet app
New to XRP? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working XRP wallet in under a minute. Add your first XRP by receiving from another wallet, or by buying in-app where supported.
From zero to using XRP
앱 받기
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add XRP
Receive XRP from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
How safe is your XRP in Zypto App?
Zypto App is non-custodial. Your private keys are generated and stored on your device. Zypto never has access to your XRP, and every transaction is signed locally. For higher security, pair with the Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing keys to the internet.
What is XRP?
XRP is the native asset of the XRP Ledger (XRPL), a payment-focused blockchain optimized for fast, low-cost cross-border value transfer. The ledger settles transactions in 3-5 seconds with sub-cent fees and is used by financial institutions for liquidity and remittance flows.
What you can do with XRP in Zypto
Every feature works directly with your XRP balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with XRP and use it wherever Visa is accepted. Physical or virtual.
가상자산 카드Pay bills with XRP
Settle utility bills and mobile contracts with billers worldwide, paid from your XRP balance.
청구서 결제Buy gift cards with XRP
Gift cards from popular brands, paid in XRP. Settle in-app, redeem instantly.
기프트카드어떤 기기도 충전
Send mobile credit across many countries in seconds. Pay with XRP, recipient gets local airtime.
모바일 충전크로스체인 스왑
Swap XRP into 24,000+ assets across 20+ chains. No bridges, no second wallet, all in one tap.
멀티체인 지갑Vault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign XRP transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with XRP across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayHold any of these alongside XRP
Cross-chain swaps mean your XRP can become any of these in two taps.
662+ dedicated wallet pages
XRP wallet FAQs
What's the best XRP wallet app?
That depends on what you want to do with your XRP. If you're holding only, any non-custodial wallet works. If you also want to use XRP for real-world spending through the Zypto Premium Visa Card, pay bills, top up phones, or swap into other assets, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto XRP wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your XRP. Every transaction is signed locally on your device before it reaches the network.
Can I use XRP for real-world spending without selling it?
Through the Zypto Premium Visa Card, your XRP balance is converted at the point of sale, so you use the value of your crypto for real-world spending wherever Visa is accepted, subject to eligibility and applicable limits. You can also swap XRP into stablecoins in-app for bill pay or gift cards.
Which chains can I swap XRP into?
20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON. Cross-chain swaps happen inside Zypto App, no separate wallets required.
How do I back up my XRP wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For higher security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) are region-restricted. Check the support center for your country's specific availability.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.
