XRP (XRP) wallet

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What is an XRP Wallet

Ripple wallet or XRP wallet is an app or a device, which purpose is to safely store users' XRP private and public keys. Private keys are needed to sign a transaction (sending your crypto assets from one wallet to another wallet or a platform), while public keys represent your wallet on the blockchain. In other words, a public key is your wallet address. So, in essence, an XRP wallet is a device or an app that allows you to send, receive and store XRP, by giving you access to private keys and public keys. This goes for any crypto wallet, as a matter of fact, not just Ripple wallets. There are many different types of XRP wallets, and each of them has its pros and cons. There are web wallets, desktop wallets, mobile wallets, hardware wallets, software wallets, and paper wallets, it makes your head spin!

The Atomic Wallet team is very happy to provide a software wallet with a smooth and secure way to manage, exchange, and buy XRP with your bank card.

Before diving into more details about the best Ripple wallets, let us first take a closer look at Ripple (XRP) itself and see what it's all about.

What is XRP?

We bet you've heard about XRP, one of the major players in the cryptocurrency world. XRP is the world's 3rd largest crypto that fuels XRP Ledger's ecosystem.

Ripple is a disruptive payment system aiming to change the way we interact with money. XRP provides fast and secure transactions between peers. XRP becomes more and more popular among millions of users, from individuals to banks; it is one of the most appealing cryptocurrencies on the market. XRP has been recently rebranded as a platform standing separately from Ripple which now solely functions as a technology provider. All transactions in the XRP Ledger are powered by the XRP coin.

The Evolution of Ripple

Originally called Ripplepay, XRP was created in 2004 by Ryan Fugger. The initial idea was to create an alternative distributed monetary system, enabling individuals and enterprises to create their own currencies. In turn, this concept gave birth to another principle: unlike Bitcoin, Ripple was designed as a payment system that doesn't rely on blockchain ledgers and centralized trading platforms.

Later, Fudger joined a team of professionals: Arthur Britto, David Schwartz, Jed McCaleb, and Chris Larsen. Together, the team decided to work on a new project and create the cryptocurrency 'XRP' to create a bridge between different types of currencies and make almost immediate transactions.

XRP Wallets and Traditional Banks

Since 2014, XRP focuses on the banking market and aims to disrupt the traditional payment system. The Ripple protocol was adopted by a range of financial institutions, including Fidor Bank, Cross River Bank, and Kansas-based CBW Bank. In 2018, the Earthport payment service started working in combination with Ripple, as well.

XRP is designed to be a mediator during the exchange processes in both cryptocurrencies and regular (fiat) money. For example, if you want to exchange EUR for USD, Ripple becomes both EUR and USD. On the Ledger, such a transaction costs $0.00001, and this amount is non-replenishable, i.e. with every single transaction made, the world loses $0.00001. For that reason, spamming becomes senseless. XRP is one of the fastest and more scalable blockchains on the market nowadays that may become a competitor to Visa or Mastercard in terms of the TPS (transactions per second).

XRP runs a consensus of network validator, which allows handling over 1,500 transactions per second. The consensus enables applications to get relevant information on the content state by sharing a worldwide ledger, which is generated several times per minute. Once accepted and validated, the content gets encrypted in a ledger and never changes. The whole sequence of validated ledgers is called ledger history.

Now that we've got that covered, let's talk about the different types of XRP wallets out there.

XRP hardware wallet

A hardware wallet is a physical device allowing you to store your crypto assets' private keys offline, separate from the gadget that is constantly online.

Hardware wallets pros

A hardware wallet (also known as a cold wallet) provides its users with an additional level of security when compared to other crypto wallets, because of its very nature. To sign XRP transactions and send funds to someone else's XRP wallet, you need to connect the hardware wallet to your device smartphone, or computer. Even when a hardware wallet is connected, your private keys are safe, since all the work is done solely inside the device. If a hardware wallet is stolen from its owner, thieves won’t be able to use it, since it’s reliably protected by a PIN code.

Hardware wallet cons

It may not be the most convenient solution for everyday usage since you need to connect it whenever the crypto assets should be sent. Moreover, if you care about your crypto and follow the simple rules of security, your funds will be safe even in a software wallet that doesn't provide the additional layer of protection that Ledger Nano and hardware wallets in general offer.

While there are many pros when it comes to the security of hardware wallets, it should be mentioned, that the devices themselves are not cheap. The price of Ledger Nano, for example, starts at $80 and may deter some users who are looking for a free Ripple wallet.

Keep in mind, that a device might also simply be lost, along with all of the funds. Since the keys are stored on the device, without them, there is no way to access your funds, unless you've made a backup of all your private keys.

Ledger Nano is considered to be the best hardware wallet with Trezor and KeepKey being other popular existing hardware solutions.

Overall, hardware wallets are considered the best option for storing XRP long-term. If you intend to use your XRP wallet every once in a while and don't have to send out your funds too often, this type of crypto wallet will definitely suit you.

XRP web wallet

Web wallets (or hot wallets) are another popular option for storing and managing XRP tokens. Web wallets are accessible as an extension for your browser, or via a separate website. In comparison to software wallets, you don't need to install any additional apps to get a functioning XRP wallet.

Web wallet pros

A web version of an XRP wallet is easy to use since they don't require you to download anything on your PC or mobile device, like other Ripple wallets.

This type of wallet works best for quick, regular transactions, and situations when you don't have time or a chance to use the hardware wallet.

Web wallet cons

A web wallet is considerably easier to hack since all of your data is stored on the side of the wallet itself or the browser. The only thing keeping your XRP wallet safe from theft is the strength of your XRP wallet password and/or two-factor authentication. Keep in mind, that some of the hot wallets are custodial wallets, meaning you don't even get direct access to your private keys. So in an event such as your XRP wallet getting hacked, your private keys may be stolen, at which point, even the password won't save you.

XRP desktop wallets

A desktop wallet is a type of software wallet that you, as the name suggests, download and install on your computer.

Desktop wallets pros

It strikes something of a balance between a hot and a cold wallet. Your sensitive data, especially private keys, are not stored on a server of a third party but instead stored directly on your device. So, technically, if your desktop is not connected to the Internet, it becomes a hardware wallet!

But of course, that's not how most of us use a desktop computer. Since your computer is constantly connected to the Internet (and a software wallet needs that connection to work), there is a risk of a virus or a targeted attack on your computer that may steal the data and, by extension, your funds.

Still, if your desktop remains offline and you only plug it in from time to time to send out your funds, it can be extremely safe.

Desktop wallets cons

As stated above, if your computer is online 24/7 it becomes much closer to a hot wallet, when it comes to safety. Also, it's not the most convenient option if you have to send out a crypto payment on the go, since the device is stationary (however, laptops still exist, but more on that later).

Also, keep in mind, that if your computer or a hard drive storing your keys dies, it is nigh impossible to recover your funds, unless you've made backups and stored them separately.

XRP mobile wallets

Fairly similar in nature to their desktop counterparts, mobile XRP wallets are apps that you install on your mobile device.

Mobile wallets pros

Since the way these wallets work is fairly similar, the pros and cons will also be very similar. With these wallets, your sensitive info is stored on your device instead of a server. If your phone is offline, then it gets considerably safer.

Mobile wallets are also considerably more convenient for sending out crypto on the go than wallets for desktops.

Mobile wallets cons

The cons are similar to those of desktop ones but are exacerbated by several factors. First of all, a mobile device interacts with public networks. Public WiFi or mobile data are prone to security breaches, making them less secure. The solution would of course be to either keep your phone always offline or try to secure your connection by using a VPN or any other means. The same applies to laptops.

There is also more of a chance to lose your device or break it. In such an event, you will once again have to hope that your data was backed up somewhere outside of your device, otherwise, your digital assets are gone. With a PC, a faulty part of your machine may be fixed or replaced and data from a failed hard drive may still be recovered. With a mobile device, doing the same is much more expensive. But once again, this risk can be mitigated by keeping backups in a safe and secure place.

Paper wallet

This one is a real peculiarity in the world of crypto wallets. An extra cold wallet for those who want even more security! It is essentially a piece of paper, containing your private key for a specific digital asset, or several of them. When you need to send funds, you simply type your private and public keys in or scan the QR code.

Paper wallets pros

Paper wallets are quite literally impossible to hack since your data is not stored anywhere but in your paper wallet. Even if all of your gadgets are corrupted by a virus, your funds will be safe. Unless someone gets a hold of your papers and makes a copy or takes a picture, no one can send away your funds without your consent. Such an XRP wallet is probably the safest XRP wallet.

Paper wallets cons

While the unprecedented safety might sound appealing to some, the idea of manually typing in a private key, which may be as long as 64 characters might sound incredibly daunting to others. Not to mention, just because your keys are offline, doesn't mean you can't lose them. A piece of paper is not exactly the most durable item and the ink might fade away over the years.

How do I start using a crypto wallet?

Getting started with a Ripple wallet, or any crypto wallet for that matter depends on the type of wallet you decided to use.

With a hardware wallet, you’ll first need to purchase a physical device itself, the one that stores your keys. These devices are often sold online, so once you've purchased and received one, you will need to connect it to a computer or a mobile device for a first-time setup. During that process, you will be guided through the necessary steps of setting up a client for your Ripple wallet.

Software wallets are considerably more convenient to set up. The same could be said about a web wallet.

Non-custodial wallets (you are in charge of your keys) can be set up through the installation of an app or a browser extension. Such software wallet keeps your keys on your device and only you will have access to them.

In custodial wallets, you will have to register an account on a platform, such as a digital currency exchange, or put more simply a crypto exchange. Whether or not you'll have to additionally download an app, in that case, depends on the platform.

Paper wallets are an exception, once again, not requiring any set-up process. You simply go to a random paper wallet generator which will create a set of private and public keys for you which you can then safely print out.

Atomic XRP Wallet

Now that you know what the main purpose of an XRP wallet is, why not look at a specific example of a user-friendly multifunctional wallet and choose the best wallet among the safest XRP wallets?

There are plenty of wallets that allow you to keep and manage Ripple. You may find wallets designed specifically for XRP, as well as custodial and non-custodial wallets. The wider the choice, the harder it gets to find the wallet that would meet your needs. Atomic XRP Wallet is here to spare you the need to wander around hundreds of websites in search of the best solution!

Atomic XRP wallet is a decentralized multi-currency Ripple wallet. It's a software wallet that supports more than 300 cryptocurrencies, has built-in Cryptocurrency Exchange, Staking, and Buy Crypto features, as well as 24/7 live customer support. It has become truly famous for its convenience, user-friendly interface, lack of operational costs, and security. The latter is ensured by the fact that your crypto is entirely under your control, as your private key is stored only on your device (and not on some online server); this offers full control over your assets. We provide you with the options to manage, exchange, and buy XRP with a bank card.

The primary purpose of Atomic XRP Wallet is not just to store cryptocurrency but to create a healthy multifunctional ecosystem that, in many ways, resembles a decentralized exchange. Atomic Wallet has an internal token - AWC (short for Atomic Wallet Coin), which has many use cases in the ecosystem, such as dividends for holders and the cashback program. Furthermore, it also serves as a marketing tool for bounty and airdrop campaigns.

A significant advantage of decentralized wallets, in general, is the ability to manage cryptocurrency from any device. Still, you need to pay attention to how you store the backup phrase since that is the primary access to your funds. With Atomic, your Ripple wallet is protected as long as you keep your seed, or private key, in a safe and secure place.

Setting up Atomic XRP Wallet

Download and install

In order to enjoy the functionality of the Atomic XRP Wallet, one first needs to go through a simple process of creating a wallet. Download the installation file for your operating system from the official website and install the app. If you're setting up a mobile wallet, the process is even simpler, since you'll be installing via a marketplace automatically.

If you need more specific instructions regarding a certain platform, check out our guide!

After that's done, run Atomic XRP wallet, click 'Create Wallet,' set up a strong password, and click Set Password. Make sure it is a unique and secure password that you don’t use for anything else.

You will now see a 12-word seed phrase that can be used to restore access to the wallet. Be sure to keep it in a safe and secret place! Then click 'Open Wallet.'

That's pretty much it! You can now use the Atomic XRP wallet. Find your XRP address and you can deposit the funds right away.

You can find a step-by-step guide on creating a wallet in Atomic here and if you encounter any difficulties with any of the steps, feel free to contact our customer support by filling out this form.

Getting XRP into your wallet

There are several ways of getting funds into your Atomic XRP wallet.

Depositing Ripple (XRP)

The first method is to simply deposit funds into the Atomic XRP wallet from other Ripple wallet apps. The process is fairly simple even for a first-timer. All you need to do is to find your XRP address in Atomic, copy it, and paste it into the sending window of the app that you're trying to send your funds from.

Exchanging Ripple (XRP)

Exchange allows you to buy Ripple (XRP) by paying for it with another asset. Let's say you have some OSMO (or any other digital currency) in your wallet, but you decide to give XRP a shot. The exchange feature has got you covered. With more than 500 crypto assets to choose from, you can freely swap tokens without having to verify your identity or follow time-consuming ‘Know Your Customer (KYC) protocols. The exchange also provides real-time prices for assets and cryptocurrency pairs, so you can ensure that you time the transaction to achieve the best possible value. A step-by-step guide on exchanging assets is available here.

What about buying Ripple (XRP) with fiat currencies, though? While we do support purchases of that kind in our wallet, the SEC lawsuit against Ripple makes it impossible to buy Ripple (XRP) for users from the US.


There is no shortage when it comes to XRP wallets. By choosing to use Atomic XRP Wallet, you can store XRP, convert XRP, purchase Ripple (XRP) with your bank card, and swap XRP with Atomic Ripple Wallet - everything you need, in one wallet application. Atomic XRP Wallet empowers you with full control over your funds since your Private Keys are protected with a mnemonic seed and never leave your device.

Atomic XRP wallet allows you to have both a desktop and a mobile wallet, giving you access to your funds no matter if you are at home with your computer or on the move with your mobile gadget.

Atomic Ripple Wallet provides you with one of the best options to store, send, exchange, and buy XRP with fiat currencies. Install the app now and manage your XRP right through Atomic Wallet's user-friendly interface.