How to Create an XRP Wallet in 2026 (Xaman, Trust Wallet and Ledger)

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Quick answer: The easiest way to create an XRP wallet in 2026 is with Xaman (formerly XUMM), the most popular XRP Ledger mobile wallet, or a multi-coin wallet like Trust Wallet. For maximum security, use a Ledger or Trezor hardware wallet. Every new XRP Ledger account must hold a small reserve to activate. The base reserve was lowered to 1 XRP in late 2024 (it used to be 20 XRP).

Step 1: Choose an XRP wallet

• Xaman (formerly XUMM): a self-custody mobile wallet built for the XRP Ledger, with strong security features and support for XRPL apps and tokens.
• Trust Wallet: a free multi-coin wallet that supports XRP. See our Trust Wallet review.
• Ledger or Trezor: hardware wallets that keep your XRP keys offline. Shop Ledger or Shop Trezor.

Step 2: Create your wallet

1. Download the wallet only from its official website or app store.
2. Choose “Create new account.”
3. Write down your recovery phrase or secret on paper and store it somewhere safe. Never share it or save it in a screenshot.
4. Set a strong passcode or biometric lock.

Step 3: Activate your XRP wallet

XRP Ledger accounts must hold a reserve to exist. Send at least 1 XRP (the base reserve since December 2024), plus a little extra for fees, from an exchange or another wallet. Each additional object your account owns, like a trust line or offer, requires a small extra “owner reserve” (0.2 XRP each).

Step 4: Receive and send XRP

• Receiving: share your XRP address. If you’re withdrawing from an exchange that requires it, include the destination tag.
• Sending to an exchange: always enter the exchange’s destination tag, or your deposit may not be credited.

Important notes

• Transaction fees on the XRP Ledger are a tiny fraction of a cent.
• Double-check addresses before sending, because transfers can’t be reversed.
• Learn how to buy XRP and how XRP compares in Ripple vs Bitcoin.

Frequently asked questions