Why You Need an XRP Wallet

Before you can receive XRP from a faucet, an exchange, or another person, you need a wallet — specifically, a self-custodial wallet where you control the private key. This is fundamental to cryptocurrency: if you don't hold your keys, you don't truly own your assets.

Xaman (formerly known as Xumm) is one of the most widely recommended non-custodial XRP wallets. It's mobile-based, purpose-built for the XRP Ledger, and supports a wide range of XRPL features including tokens, NFTs, and the built-in DEX.

Step 1: Download the Xaman App

Xaman is available on both iOS and Android. Search for "Xaman" in the App Store or Google Play. Download only from the official store listing — avoid third-party download sites.

Step 2: Create a New Account

  1. Open the app and tap "Create a new account".
  2. You'll be shown a secret numbers sheet — Xaman's unique method for backing up your account. It uses a grid of numbers rather than a traditional seed phrase, though the underlying cryptographic principle is the same.
  3. Write down your secret numbers on paper and store them in a safe, private location. Do not take a screenshot or store them digitally.
  4. Confirm your backup by entering certain numbers from your sheet when prompted.

Step 3: Understand the XRP Reserve Requirement

This is a critical point that surprises many new XRP users: every XRP Ledger account requires a minimum reserve of XRP to be activated. This reserve is currently set by the network and is intended to prevent spam accounts.

  • The base reserve is subject to change via network governance, so check the current amount on the XRPL documentation or a block explorer like XRPL.org.
  • This reserved XRP is not lost — it stays in your account — but it cannot be sent until the reserve requirement changes or your account is deleted.
  • To receive XRP from a faucet or exchange, you'll need to fund your address with at least the base reserve amount first.

Step 4: Fund Your Wallet

To activate your new XRP address, you can:

  • Buy XRP on an exchange (such as Coinbase, Kraken, or Bitstamp) and withdraw to your Xaman address.
  • Receive XRP from a friend or another wallet you already own.
  • Use a testnet faucet if you only want to practice — XRPL's testnet has its own faucets with test XRP that has no real value.

Keeping Your Wallet Secure

Protect Your Secret Recovery Information

Your secret numbers (or seed phrase on other wallets) is the master key to your funds. Anyone who has it can access your XRP. Keep it:

  • Written on paper — not typed into a computer or phone.
  • Stored in a secure location, such as a fireproof safe.
  • Never shared with anyone, including support staff from any service.

Enable Biometric Lock

Xaman supports fingerprint and Face ID authentication. Enable this to prevent unauthorized access if your phone is lost or stolen.

Beware of Phishing Sites

Always navigate directly to the Xaman app rather than clicking links in emails or messages. Scammers create convincing fake wallet sites to steal credentials.

Summary

  • Xaman is a leading non-custodial XRP wallet designed for the XRPL.
  • Back up your secret numbers on paper and store them safely offline.
  • Your address requires a minimum XRP reserve to be activated on the ledger.
  • Never share your recovery information with anyone, ever.