Ripple (XRP) has solidified its position as one of the most widely used digital assets for fast, low-cost cross-border transactions. As adoption grows, secure and efficient storage solutions become increasingly important. Among the top choices for XRP holders is Xaman Wallet, a non-custodial wallet officially recognized by the Ripple ecosystem. Designed with both security and usability in mind, Xaman offers a powerful yet accessible way to manage XRP and other tokens built on the XRP Ledger (XRPL).
This guide provides a detailed walkthrough of Xaman Wallet—its features, setup process, security protocols, and practical usage—so you can confidently take control of your digital assets.
Why Choose Xaman Wallet for XRP?
Xaman Wallet stands out as a trusted solution for users who prioritize decentralized control, multi-chain compatibility, and advanced security features. Built specifically for the XRP Ledger, it supports not only XRP but also tokens on emerging XRPL-based networks like Xahau, making it future-ready for decentralized finance (DeFi) innovations.
Whether you're a casual user or an experienced blockchain participant, Xaman delivers a seamless experience across mobile platforms while maintaining full user sovereignty over private keys.
👉 Discover how secure crypto wallets empower financial independence in 2025.
Key Features of Xaman Wallet
✅ Multisignature & Biometric Security
One of Xaman’s standout features is its support for multisignature transactions, allowing users to require multiple approvals before executing transfers—ideal for shared accounts or high-value holdings. Combined with biometric authentication (Face ID, fingerprint), this creates layered protection against unauthorized access.
Additionally, users can set up a secondary confirmation password for added transaction security, especially useful for long-term asset storage.
✅ Broad Token Support Across XRPL Ecosystems
While many wallets focus solely on major cryptocurrencies like Bitcoin or Ethereum, Xaman specializes in the XRP Ledger ecosystem. It supports over 8,300 tokens, including NFTs and utility tokens issued on XRPL and Xahau networks. This makes it an excellent choice for those exploring decentralized applications (dApps), tokenized assets, or community-driven projects within the XRPL space.
✅ Mobile-First Design with Intuitive Interface
Available on both Android (7.0+) and iOS (13+, iPhone 7 and later), Xaman offers a clean, user-friendly interface that simplifies navigation—even for beginners. The app loads quickly, displays balances clearly, and organizes functions into intuitive tabs: Send, Receive, Summary, and Settings.
However, it currently lacks tablet optimization, meaning users on devices like the iPad may experience layout limitations due to fixed screen scaling.
✅ Low Transaction Fees and Fast Settlements
Thanks to the efficiency of the XRP Ledger, transaction fees on Xaman are minimal—often less than $0.01—making it ideal for frequent traders or micropayment use cases. Settlements typically finalize in 3–5 seconds, enabling near-instant fund transfers globally.
Setting Up Your Xaman Wallet: Step-by-Step
Creating your wallet takes less than 10 minutes and involves several critical security steps:
- Download & Install: Get the app from Google Play or the App Store. Always verify you're downloading from official sources to avoid phishing risks.
- Create a 6-Digit Passcode: Used for daily login access. Choose random digits—avoid birthdays or repeating numbers.
- Enable Biometrics (Optional): Turn on Face ID or fingerprint unlock for faster, secure access.
- Allow Notifications (Optional): Stay updated on transaction confirmations and network alerts.
- Add a New Account: You’ll be prompted to either create a new wallet or import an existing one.
- Secure Your Secret Numbers: During setup, you’ll receive 8 rows of 6-digit numbers (48 total digits). Write these down exactly in order—this is your backup seed equivalent.
- Confirm Your Secret Numbers: Re-enter them to verify accuracy. Never store this digitally.
- Set Security Level: Choose between Standard (password + biometrics) or Additional Security (requires confirmation passcode per transaction).
- Name Your Wallet: Assign a recognizable label (e.g., “Main XRP Wallet”).
🔐 Critical Reminder: If you lose your secret numbers, there is no recovery option. Like all non-custodial wallets, you are your own bank.
Activating Your Xaman Wallet
Before sending or receiving funds, your account must be activated by reserving 10 XRP as an account reserve. These funds are not lost—they remain frozen in your account to prevent spam on the network.
To activate:
- Tap “Activate Account” on the home screen.
- Follow prompts to either deposit 10 XRP from another wallet or purchase XRP directly through integrated fiat-onramp services.
Once activated, your wallet is fully functional for all transactions.
👉 Learn how to safely activate and fund your crypto wallet in minutes.
Sending and Receiving XRP & Tokens
Receiving Funds
- Go to the “Request” tab.
- Copy your public address or share the QR code.
- Provide this to the sender or use it when withdrawing from exchanges.
Sending Funds
- Tap “Send”.
- Enter the recipient’s address.
- Select the token type (e.g., XRP, IOU token).
- Input the amount.
- Confirm with your passcode or biometrics.
All activity appears in real time under the “Summary” tab, where you can review transaction history, statuses, and fees.
Restoring Access to Your Wallet
If you switch devices or reinstall the app, restore access by:
- Choosing “Import Existing Account.”
- Selecting “Full Access.”
- Entering your 8 rows of secret numbers exactly as written during setup.
Ensure no typos—each digit matters.
Advantages and Limitations at a Glance
| Pros | Cons |
|---|---|
| Strong security via multisig & biometrics | No support for BTC, ETH, or non-XRPL major coins |
| Supports 8,300+ XRPL-based tokens | Requires technical understanding of XRPL mechanics |
| Minimal fees and fast transactions | Not optimized for tablets (e.g., iPad) |
| User-friendly mobile interface | NFC limitations on some devices |
While Xaman excels in its niche, users seeking multi-blockchain versatility may need supplementary wallets for broader asset management.
Frequently Asked Questions (FAQ)
Q: Is Xaman Wallet really non-custodial?
Yes. You retain full control of your private keys—represented by your secret numbers. No third party, including Ripple or Xaman developers, can access your funds.
Q: Can I use Xaman on desktop?
Currently, Xaman is only available as a mobile app for Android and iOS. There is no official desktop version.
Q: What happens if I forget my passcode?
You can reset it using your secret numbers. However, losing both the passcode and secret numbers means permanent loss of access.
Q: Why do I need 10 XRP to activate my wallet?
The 10 XRP reserve prevents network spam by ensuring each account has skin in the game. This is standard across all XRPL wallets.
Q: Does Xaman support hardware wallets?
Not natively at this time. All keys are stored on-device, though future integrations may expand hardware compatibility.
Q: Can I earn interest or stake XRP in Xaman?
No staking or yield-generating features are built into Xaman. For earning opportunities, consider linking your wallet to DeFi platforms on XRPL or transferring funds via secure bridges.
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Final Thoughts: Is Xaman Right for You?
For individuals focused on XRP-centric activity, token diversity within XRPL, and self-custody with strong security, Xaman Wallet is an excellent choice. Its emphasis on decentralization aligns with core crypto principles, while its intuitive design lowers entry barriers for new users.
While it doesn’t support every major cryptocurrency and lacks tablet optimization, its strengths in speed, cost-efficiency, and ecosystem integration make it a top-tier option for serious XRP holders.
By following best practices—securing your secret numbers, enabling biometrics, and understanding activation requirements—you can leverage Xaman as a reliable gateway into the expanding world of Ripple-powered finance.