All cryptocurrencies have one thing in common: storing them securely is a matter of choice on the part of those who hold digital assets. This means that the crypto wallet offer is extremely diverse and that the different services feature their own sets of advantages. Some promise total inviolability, others may be accessed from anywhere, some are free, others not… so much so that it may not be simple to know exactly how to select the right Ripple wallet.

Here is an overview of the various possibilities to help you choose the perfect wallet for this unique cryptocurrency that is Ripple.


What is Ripple?


Created in 2012 in San Francisco, the Ripple company is where the protocol and the digital asset of the same name (also known as XRP) originate from. Thanks to blockchain technology, Ripple offers a fast and highly secure financial transaction system which significantly reduces the fees usually associated with bank to bank movements. It consists in converting a certain amount of fiat currency present on a bank account into XRP. This amount is then sent to its recipient – through the blockchain – within a few seconds. It is then converted back into the currency of choice. Thus, unlike most cryptocurrencies, Ripple doesn’t rely on an entirely decentralized system.

Though the XRP’s main objective is to make these transfers of value possible, individuals or traders may hold some of its tokens if they wish to speculate on its price going up. Anyone may therefore buy Ripple from various platforms.


What is a Ripple wallet?


As any other crypto wallet, a Ripple wallet should allow its user to store, manage and use their assets. These solutions rely on a system which involves two cryptographic keys. The first one is public and acts as an address for the wallet. It is shared with the people who wish to send you funds. The second key is private and serves as an identification measure. Only the owner of the account or device should know and have access that key and should not divulge it under any circumstances.

There exist many types of Ripple wallets which answer a variety of different needs in terms of XRP use and storage. The main goal remains to have a safe place to keep your tokens, whether you want to use them or to hold on to them for speculation purposes.


Desktop wallets and Mobile wallets


Also known as software wallet, this type of XRP wallet consists – as its name indicates – in a software which may be downloaded and installed onto a computer or in a mobile application. These Ripple wallets store their keys locally, on the device in question, thus providing a safer solution than wallet options where the keys are stored online. Users therefore have total control over their assets. Furthermore, desktop wallets offer many free options and give crypto enthusiasts a tool to own tokens without having to commit to additional expenses.

However, prudence is still highly recommended when using a software-type Ripple wallet. While the system itself is perfectly secure, it becomes vulnerable the moment the computer it is installed on is compromised. Make sure your PC is equipped with a very dependable anti-virus and firewall to avoid the disastrous consequences a pirate attack could have.

Based on the same model as desktop options, mobile wallets bring additional portability to solutions where private keys are stored locally. Users who want to be able to use their XRP on the go without having to rely on a different machine (along with all the risks it implies) prefer these mobile solutions. As is the case with desktop wallets, mobile wallets are considered safe so long as no one other than yourself has access to your smartphone. Loss and theft constitute the biggest issues.

Whether you are interested in an Android wallet or in an iOS wallet, there are plenty of choices available.


Toast Wallet


Toast is an open source, entirely free Ripple wallet thanks to which you may store your XRP on various devices with excellent compatibility in each case. In its Mac, Windows and Linux versions as well as on mobile (iOS and Android), the software may be configured to be protected by a PIN and a password. Its interface is simple and streamlined and even allows users to carry out transactions directly. It is worth noting that a minimum of XRP 20 needs to be stored on the wallet at all times for transactions to be possible. Beyond that, they are entirely free, which constitutes an undeniable advantage of this XRP Ripple wallet.


Jaxx Liberty


Contrary to Toast Wallet, Jaxx Liberty doesn’t just support Ripple and, instead, can handle at least 85 different digital assets. That way, you don’t need multiple wallets if you wish to store several currencies. This Ripple wallet saves your information which may therefore be restored in case of emergency, if the computer breaks down or gets stolen, for instance. Finally, Jaxx Liberty’s customer support team can be reached at any time. This Ripple wallet is also available on most operating systems, computer and mobile alike.




This other multi-currency wallet, as popular as the previous one, offers optimal levels of security for its category and focuses on decentralization and anonymity. As such, no personal data is required to use it. The software supports transactions straight from its interface, without the need to go through an exchange. Perfect for beginners and seasoned XRP owners, Atomic is visually pleasing and comes with well-designed functionalities.


Online Hot wallets


Online Ripple wallets, or hot wallets, are widely considered to be the least efficient solution to secure your XRP. The main reason for this is that online wallets, for the most part, don’t allow their users to hold their own private keys. In addition, as the platforms which provide such solutions often manage large quantities of tokens, they are frequently targeted by cyber attackers. Stored on these companies’ servers, your tokens officially belong to them (this is especially true of the wallets exchanges put at your disposal), which most customers understandably don’t appreciate.

However, this doesn’t mean that online wallets have no redeeming qualities whatsoever. While it isn’t recommended to store too many XRP tokens there, they do offer much convenience. Your assets are right where you need them, and a simple Internet connection is enough to be able to use them from wherever you are.




Allowing you to store, to receive and to send XRP and other cryptocurrencies, CoinPayments offers a simple and well-designed web interface which relies on a two-factor authentication system to secure your wallet. The site also offers a payment gateway-type functionality thanks to which it is possible to make various kinds of purchases online. It is one of the most highly secure Ripple wallets in its category, though it is important to note that transaction fees on CoinPayments are as high as 5%.




This wallet makes the Ripple network more accessible to those who may want to take advantage of its very low fees. As its name indicates, Exarpy is aimed at XRP owners. It respects its users’ privacy and doesn’t store any personal data. From its interface, you will be able to view the transaction history of the Ripple Blockchain. Data transfers between the navigator and the platform’s API are SSL encrypted. As is the case for several other Ripple wallets, Exarpy demands a deposit of XRP 20 for the account to be operable.


Physical Cold wallets


While physical wallets may have the disadvantage or requiring a few extra steps to be able to use your tokens, they more than make up for this minor annoyance by offering the highest level of security there is. These wallets store your private key directly on the device itself, which isn’t connected to the Internet. Providing maximum confidentiality, cold wallets are never at risk of being hacked. In addition, every single transaction needs to be physically validated by pressing a button on the device and entering a PIN number. They are also protected by two-factor authentication systems. Even a stolen wallet remains impossible to hack.

Physical Ripple wallets are the most highly recommended solution for those who wish to store large amounts of XRP perfectly securely.


Ledger Nano S


The lower-end model from the Ledger brand, Nano S, offers equivalent guarantees as the more expensive cold wallets, which makes it a particularly interesting option for its cost. While it can, of course, serve as a Ripple wallet, Ledger Nano S supports as many as 1,100 different cryptocurrencies. However, because of its limited memory, you may only store up to 5 at a time. Simple and intuitive, this physical wallet constitutes a great choice for beginners.


Ledger Nano X


As Nano S’s bigger brother, the Ledger Nano X is a very popular model, especially because of its Bluetooth feature. Thanks to this functionality, you can connect it to a smartphone to use your tokens via your favorite application. The device gives you control over 100 different currencies at a time and sports a large screen displaying all the necessary information. This wallet is one of the best options on the market for those who want to start trading on a more regular basis.




Just like the Ledger brand, Trezor offers two models: Trezor One and Trezor Model T. As the first wallet ever created, Trezor One has enjoyed tremendous popularity. Thanks to its very manageable configuration and to over 1,000 crypto assets supported, this cold wallet does its job very well.

As for the Model T, it stands as one of the most popular Ripple wallets in the world. What makes it special is its MicroSD slot, which provides an additional data encryption alternative. This robust solution is aimed at those who want a well-tried wallet that won’t let them down.