Ripple’s (XRP) Crypto Wallets in 2021 – How to Store Ripple’s XRP Cryptocurrency

Best Ripple s XRP Wallets in 2020

Ripple’s XRP is an independent third-largest digital currency created by the Ripple Labs, with the current market capitalization of $10.3 billion. The cryptocurrency is used by the Ripple payment network. The current XRP price is about $0.24. Analyzing the XRP token price for the last three years, it is easy to see that it has increased by more than one hundred times. This performance was made due to the uniqueness of XRP cryptocurrency. Built for global payments and enterprise use, XRP aims to be a fast, cost-efficient cryptocurrency for cross-border payments.

With the governance and fast transaction confirmation, XRP tends to be the most efficient settlement option for financial institutions seeking global reach, accessibility, and quick settlement finality for interbank flows.

Those who use the digital asset XRP to source liquidity can reportedly do so in seconds. This made XRP cryptocurrency so popular among companies and ordinary users who trade or hodl this digital asset. So let’s review some of Ripple wallets in our article. 

How to Store Ripple’s XRP Cryptocurrency 

The main goal of Ripple is to become a global settlement network, which allows users to make all types of money transfers in some seconds. The rapid growth of Ripple XRP price from $0.01 to $1 per coin in one year and its inclusion into the top ten cryptocurrency lists have caused lots of discussions around this currency on how to buy and store it securely.

Many crypto owners use an exchange as a wallet for keeping cryptocurrency. However, this is a big mistake. If you use an exchange as a wallet, you risk losing your money because your account can get hacked very quickly, especially when having no strong password or 2-step verification. Moreover, the exchange itself can also get hacked; that’s why storing coins on a wallet you control eliminates this risk for you.

If you want to buy Ripple XRP currency, you need a wallet for cryptocurrencies, just like you need wallets in everyday life to keep your fiat money safe in one place. The digital wallet is used for transferring, storing, receiving, and managing all your coins in one place.

There are several crypto wallet types which can be divided into the following groups: software, hardware, and paper wallets. Depending on working mechanisms, they may also be divided into hot or cold wallets. The majority of crypto wallets are based on software because of more convenient use. 

Nevertheless, hardware wallets are considered to be the most secure. Paper wallets, on the other hand, consist of a private keys or QR-code printed out on a piece of paper.

Spending time to study different Ripple XRP wallets features is essential to protect yourself from scam and fraud. We offer to review the best Ripple XRP Wallets in 2020. 

9 Best Ripple XRP Wallets 

#1. Ledger Nano S 

Ledger Nano S

Ledger Nano S is a hardware offline wallet, which supports many crypto assets, including Ripple XRP. This XRP hardware wallet has a compact shape like a USB drive with an OLED screen, so it is easy to take it everywhere. 

It is regarded to be one of the largest Ripple XRP wallets and the safest ones because all the private keys are stored in an offline environment (PC), so it becomes quite difficult for hackers to hack a wallet and steal assets. 

While other Ripple XRP wallets limit the number of coins to be stored, this wallet allows you to store an unlimited volume of XRP coins.  

  • Price: $59
  • Wallet type: Cold storage
  • Supported assets: many of the top cryptos
  • XRP coins to store: unlimited
  • Platforms: Windows, Linux, macOS, Android (for iOS, you should use the Ledger Nano X version).

#2. Toast

toast wallet

Toast is a free, open-source hot storage only for Ripple (XRP).  All the encrypted keys generated on the phone using Toast never leave the storage. It makes the wallet more secure and less susceptible to cyber-attacks.

To activate the address in the XRP network, users should send 20 XRP or more to the wallet as an enforced reserve and 5 XRP more for each trust line or another object in users’ accounts. 

Note: After you add all your Ripple addresses to the Toast wallet, it is NECESSARY to backup the application from the settings menu to be able to restore Toast Wallet on a new device in case you lose your smartphone This step is as important as storing a recovery phrase in a safe place.

  • Price: totally free and does not take any transaction fee. 
  • Wallet type: Hot storage
  • Supported assets: wallet is for Ripple XRP only
  • Platforms: iOS, Android, Windows, macOS, and Linux.

#3. Edge Wallet

The Edge Wallet is a free, open-source mobile Ripple XRP wallet for Android and iPhone with direct access to the Ripple network. 

The Edge Wallet is operated on a decentralized network, which provides stability in the case of a network outage.

The Edge Wallet enables users to make exchanges from fiat to crypto-assets and from one crypto asset to another. 

The Edge wallet provides the security of users’ accounts by 2-factor authentication. 

  • Price: Free
  • Wallet type: Open-source
  • Supported assets: XRP, BTC, XMR, ETH, LTC, DASH, XLM, EOS
  • Fees: 1%
  • Platforms: iOS, Android

#4. Uphold Wallet

Uphold Wallet is a free multi-currency Ripple XRP wallet for Android and iOS, supporting 30 cryptocurrencies and utility tokens, 27 national currencies, and 4 metals.

Uphold wallet enables users to buy cryptocurrency instantly using a debit card and to make transactions less than $1000 without KYC procedure. 

  • Price: Free
  • Wallet type: hot-storage
  • Supported assets: 30 cryptocurrencies and utility tokens, 27 national currencies, four metals. 
  • Fees: 0% including trading fees and bank withdrawal fees
  • Platforms: iOS, Android

#5. Gatehub 


Gatehub is a multi-currency web wallet, which supports several cryptocurrencies and fiat assets. Built on the Ripple protocol, GateHub specializes in XRP exchanges.

Considering to be one of the best wallets for Ripple XRP, Gatehub provides live data about wallet stats, asset distribution charts, and price changes on a single page. Net worth is calculated on Gatehub in real-time automatically.

XRP deposits are typically credited within minutes. BTC, ETH, ETC, REP deposits – within one hour since being first confirmed on the corresponding network (Bitcoin or Ethereum/Classic).

Note: The minimum XRP amount balance for transaction submissions should be 20 XRP.

  • Price: Free
  • Supported assets: XRP, BTC, ETH, ETC, REP, DASH, XAU, fiat assets: EUR, USD 
  • Fees: trading fees – 0.30%, Ripple XRP fee – 0.2% on XRP transactions, withdrawal fees -0.005BTC for BTC withdrawals
  • Platforms: web

#6. Cryptonator

Cryptonator is a multi-currency online Ripple XRP wallet, which enables fast direct transactions and allows instant Ripple exchange into different cryptocurrency assets in one personal account. 

Cryptonator wallet is a service that combines digital wallet functionality and cryptocurrency exchange services. 

Cryptonator wallet uses two-factor authentication and basically involves the generation of a 6-digit code. The code is changeable from one minute to the next and is unique to the individual user. 

  • Price: Free
  • Wallet type: hot wallet
  • Fees: sending fees-0.10000000 XRP 
  • Languages: English, French, Spanish, German and Russian
  • Platforms: Chrome, Firefox, Windows, iOS, OSX, Android

#7. Coinpayments

Coinpayments is a wallet that supports conversion and fiat payments. The Coinpayments system is not just a wallet. It also acts as an exchange platform and online crypto marketplace with Ripple as its main currency. Its website works quite similarly to a bank where users can create an account and store currency.

All the currencies on Coinpayments are secured by BitGo using multisignature technology (addition of one more key to authorize the transaction), which is used for highly secure networks in Blockchain and gives a control power under assets to the user. 

Coinpayments is generally an online wallet and trading platform, but it is also available as a mobile app.

  • Price: Free
  • Wallet type: hot wallet
  • Supported assets: more than 1745 crypto assets 
  • Amount of assets for exchange: unlimited
  • Conversion fees: coin TX fee + conversion partner’s fees (if any)
  • Platforms: iOS, Android, Windows, macOS, Linux

#8. Exarpy

exarpy wallet

Exarpy is an interface that allows users to manage a Ripple wallet, send and receive funds, access RippleNet, etc. It is considered to be the best wallet for the Ripple XRP cryptocurrency because it provides a user-friendly application for interacting directly with the Ripple XRP network.

As an interface, Exapry doesn’t personally store or hold users’ funds, information, database, or track users’ usage with analytics software because of a potential security risk.

Unlike hot wallets, Exarpy is connected to the internet only when users want to use the funds stored in it. Exapry is generated offline, and neither the private keys nor the public address is stored on any servers.

Exarpy requires a unique PIN for generating a Ripple wallet address and a secret key. A PIN is directly tied to an account number, and losing PIN means to lose access to an account (all funds in the account will also be lost forever) without an opportunity to recover access.

  • Price: Free
  • Wallet type: warm wallet
  • Supported assets: Ripple (XRP)
  • Conversion fees: a flat service fee of 0.025 XRP per transaction (for transferring and importing). This fee includes the Ripple network transaction cost.
  • Platforms: Windows, macOS, Ubuntu

#9. Ripple XRP Paper Wallet

Ripple Paper Wallet

Ripple XRP paper wallet is one of top offline Ripple wallets and one of the easiest and most secure methods for storing XRP coins. If you prefer to store all important things on a piece of paper you can opt for this wallet variant.


  • The keys are normally generated offline, so the Internet and hackers out there won’t even be aware of its existence.
  • Despite this kind of Ripple wallet is more reliable than other wallets, it is recommended to store the piece of paper carefully or create copies as paper can be easily damaged or lost. 
  • Moreover, it is necessary to hide all the information on paper, because it contains all the information including your private keys.
  • In order to create the safest Ripple XRP wallet keys, use the key generator offline. You need to save the Ripple XRP wallet generating website to USB drive so that users will be able to access it offline later. 

The minimum XRP amount balance for transaction submissions should be 20 XRP.

  • Price: Free
  • Wallet type: cold wallet
  • Supported assets: Ripple (XRP)
  • Conversion fees: a flat service fee of 0.025 XRP per transaction (for transferring and importing). This fee includes the Ripple network transaction cost.
  • Platforms: Windows, macOS, Linux

Bottom Line

We have chosen the most reliable and popular wallets for storing Ripple XRP cryptocurrency. However, this does not mean that there are no other ways to store Ripple cryptocurrency. We ask you to approach the choice of a wallet with a high degree of responsibility. The Changelly team is not responsible for your choice, we only offer storage solutions, and we hope that your coins will be safe and sound.