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The 18 Best XRP Wallets for 2023

As a leading blockchain developer with over 10 years of experience, I‘ve witnessed the evolution of crypto wallets up close. With the surge in XRP investment, having a secure XRP wallet is more crucial than ever. After extensively testing numerous options hands-on, I present my picks for the top 18 XRP wallets based on security, functionality, and ease of use.

Breakdown of Wallet Types

Before jumping into the wallets, let‘s briefly examine the different types available:

Hardware Wallets

Hardware wallets like Ledger and Trezor offer unmatched security by storing your private keys offline. I generally recommend hardware wallets for most crypto investors willing to spend $50-$200 for optimal asset protection.

Software Wallets

Software wallets provide more convenience through desktop, mobile, and web apps but can expose your funds to more risk if your devices become compromised. Still, reputable options like Exodus and Atomic employ adequate security practices.

Paper Wallets

Paper wallets involve printing out a wallet‘s private and public keys to keep entirely offline. Though they eliminate digital attack vectors, paper wallets make transferring funds more cumbersome and lack upgradeable functionality.

Custodial Wallets

Hosted by a third-party provider, custodial wallets offer simplicity since you don‘t have to manage private keys. However, you must trust the provider to properly secure your funds at all times.

Now let‘s explore the top XRP wallet picks across these categories that I endorse from firsthand experience.

1. Ledger Nano X

With its robust safety standards and rapidly expanding compatibility, the Ledger Nano X stands as my go-to recommendation for most crypto investors.

Security: Military-grade CC EAL 5+ chip, 2FA available
Supported Assets: 1500+ assets and counting  
Price: $149

I‘ve used Ledger devices extensively without any issues for years, although phishing scams have targeted consumer data. Overall, Ledger sets the gold standard for hardware wallet security.

2. Exodus

Exodus presents a beautifully designed software wallet for XRP and 100+ other assets. The incorporated exchange feature provides convenient access to asset swaps and transactions without complicated procedures.

Security: Encrypted Secret Keys, Optional 2FA
Supported Assets: 200+
Price: Free  

While Exodus scales back security capabilities compared to hardware wallets, its usability and design should satisfy most casual crypto investors. Just make sure to enable available protections like email 2FA.

3. Ellipal Titan

For investors with larger XRP holdings, the Ellipal Titan offers uncompromising hardware wallet security through 100% cold storage and anti-tampering mechanisms.

Security: Fully air-gapped, Anti-tampering design   
Supported Assets: BTC, ETH, XRP + Top 50 Assets  
Price: $399

As an entirely offline device, the Titan eliminates potential attack vectors from internet connectivity, although the lack of a screen marginally reduces usability. Still, the hardened steel construction offers virtually inpenetrable protection.

4. XUMM

XUMM shines specifically for use cases related to the XRP Ledger, like interacting with XRP Ledger dApps and NFT projects. The wallet allows seamless connectivity to the ecosystem.

Security: Encrypted Secret Keys  
Price: Free
Supported Assets: XRP Ledger-based tokens

For investors focused strictly on XRP and issued assets rather than a diverse portfolio, XUMM delivers the best pure XRP Ledger experience.

5. Atomic Wallet

Atomic‘s specialty lies in enabling decentralized finance functions like exchange services and cross-chain capabilities directly through the wallet interface itself.

Security: Encrypted Private Keys + Password
Supported Assets: 500+
Price: Free

Beyond just storing assets, Atomic allows you to access DeFi and trading functionality from one unified platform. The wide device support provides good flexibility as well.

6. SecuX W10

For investors prioritizing hardware wallet portability above all else, the compact SecuX W10 packs vault-like asset protection into a convenient form factor.

Security: Infineon Secure Element Chip, CC EAL5+ rating
Supported Assets: BTC, ETH, XRP + Top 20 Assets   
Price: $99

You‘d never guess the military-grade security packed inside from the wallet‘s slim profile. Contactless payment support further boosts the unique portability proposition.

7. SafePal S1

In the race to drive down hardware wallet costs without sacrificing security, SafePal‘s sub-$50 S1 model offers an affordable entry point for retail investors.

Security: Multiple layers of software and hardware encryption  
Supported Assets: BTC, ETH, XRP + Top 20 Assets
Price: $39.99 

While obviously not matching the sophisticated security of premium hardware wallets, SafePal still implements adequate measures better than most software options.

8. Coinbase Wallet

Coinbase Wallet makes an ideal pick for users already within the Coinbase ecosystem seeking a straightforward onramp into decentralized apps.

Security:Encrypted Secret Keys + Cloud Backup
Supported Assets: 7500+ assets  
Price: Free

Despite Coinbase‘s shortcomings from periodic outages, they represent one of the largest and most trusted brands in crypto. The wallet nicely complements existing Coinbase accounts.

9. Stronghold USD

For institutional investors, Stronghold USD provides best-in-class security protocols and practices for safeguarding enterprise XRP transactions.

Security: ISO 27001 certification, Hardware security modules
Supported Assets: XRP  
Price: Institutional pricing  

Trusted by major global banks and payments providers, Stronghold utilizes stringent security far exceeding most retail wallet standards. However, average users may find the wallet overly complex and limited in scope.

10. ZenGo

ZenGo focuses on attaining security through advanced cryptography like multi-party computation rather than reliance on specialized hardware or closed-source code.

Security: Multi-party computation, Face/Fingerprint Unlock 
Supported Assets: 80+
Price: Free

For those skeptical of closed-source solutions, ZenGo‘s open-sourced approach backed by peer-reviewed academica offers a refreshing alternative.

11. Edge

Formerly operating under the name Airbitz, Edge concentrates on streamlining mobile wallet functionality for everyday transactions across devices and merchants.

Security: Encrypted user data, password protection, 2FA  
Supported Assets: BTC, ETH, XRP + Top 20 Assets
Price: Free

Edge managed to escape the large-scale hacks plaguing early XRP web wallets, showcasing strong developmental security. For mobile usage, Edge remains easy and reliable.

12. CoolWallet Pro

CoolWallet Pro tailors directly to investors wanting 24/7 access to their holdings through a convenient card-shaped form factor.

Security: CC EAL5+ Certified Secure Element 
Supported Assets: BTC, ETH, XRP + Top 30 Assets  
Price: $159

Obviously, the increased reliance on Bluetooth introduces potential vulnerabilities not shared by pure cold storage hardware wallets. Still, the CoolWallet Pro utilizes adequate mitigation measures.

13. D‘CENT

D’CENT Biometrically Enabled Hardware Wallet targets simplicity through biometric authentication and sleek UX design.

Security: CC EAL 5+, Biometric authentication   
Supported Assets: BTC, ETH, XRP + Top 20 Assets
Price: $179

For investors wanting biometrics for quick, everyday transactions, D‘CENT delivers while maintaining baseline expectations for hardware wallet protections.

14. Toast Wallet

Toast drives for optimization specifically throughout the XRP ecosystem – trading, micropayments, and asset Issuance.

Security: PIN code + recovery passphrase  
Supported Assets: XRP & issued tokens  
Price: Free

Toast lacks necessities like 2FA offered by other wallets but focuses solely on delivering a straightforward XRP experience.

15. Coinomi

Coinomi emphasizes convenience and anonymity through randomized wallet address generation and simplified cross-chain transfers.

Security: Passcode/PIN Protection  
Supported Assets: 500+
Price: Free

Just note the lack of 2FA and potential dependencies on Google libraries that could introduce risks, albeit minimal.

16. BitPay

BitPay allows easy cryptocurrency payment acceptance and integration for businesses while offering balance storage and exchange features.

Security: BitGo custodial funds protection  
Supported Assets: BTC, ETH, XRP, USDC + Stablecoins  
Price: 1% settlement fee  

The heavy focus on business use cases narrows BitPay‘s appeal to general investors. Additionally, reliance on qualified custodians could introduce risks.

17. GateHub

GateHub operates as a custodial XRP Ledger wallet paired with a built-in exchange supporting fiat on-ramps.

Security: Optional multisig authentication
Supported Assets: XRP & issued tokens
Price: Fees for exchange use 

Concerns exist around bugs and reliability problems reported by early wallet users. While GateHub improved performance over time, non-custodial options generally prove safer long-term.

18. Uphold

The cloud-based Uphold platform streamlines crypto storage and trading with quick access across supported assets.

Security: Cloud storage  
Supported Assets: 60+ cryptos and national currencies
Price: Trading fees attached to spread 

Storing keys with third-party cloud providers counters fundamentals of self-custody and decentralization. Users need high confidence in platform integrity and continuity.

Key Takeaways for Selecting an XRP Wallet

From this extensive analysis, my top recommendations based on security architecture and functionality include Ledger, Exodus, Ellipal Titan, XUMM, and Atomic. Less technical users often favor Coinbase Wallet or Uphold for pure convenience. For managing XRP without diversifying across cryptocurrencies, Toast and GateHub offer focused support.

On hardware wallets, Ledger, SecuX, SafePal, D’CENT, and CoolWallet Pro provide reliable options at varied price ranges. For Software wallets, ZenGo‘s cryptography-based security warrants consideration beyond the usual offerings.

No universally best XRP wallet exists – personal priorities around features and cost should drive decision making. Applying lessons learned throughout my decade of blockchain experience, I recommend most users opt for robust hardware wallet solutions for optimal safekeeping, particularly at higher investment amounts. yet maintaining pragmatic expectations around convenience depending on the use case.

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