Xaman Wallet review

Xaman is what serious XRP Ledger users reach for, and it is deliberately narrow: it does one network family extremely well rather than many networks adequately. This Xaman Wallet review covers that focus, the 0.8% trading fee that is its real controversy, and how it compares with the multichain wallets that merely hold XRP.

Xaman Wallet at a glance

The complete XRPL toolkit

Xaman is self-custody, with keys on your device. Within the XRP Ledger and the related Xahau network it does everything: send and receive XRP and any issued token, manage trustlines and destination tags, trade on the native XRPL DEX, deposit into AMM pools, use pathfinding swaps, and mint and hold NFTs. It also serves as the sign-in and signing layer for a large ecosystem of third-party mini-apps, the xApps, which is why so many XRPL projects route through it. No multichain wallet comes close to this depth on the XRP Ledger.

Mobile app and everyday use

Xaman is a mobile-first app on iOS and Android, and day to day the user experience is one of its strengths: account management is straightforward, sending and receiving XRP and issued tokens is quick, and the XRP Ledger itself settles transactions in a few seconds for a fraction of a penny, so the app feels fast. Every transaction is approved with Face ID, a fingerprint or a passcode, which keeps things safe without slowing you down, and the wallet is easy enough for a first-time XRP user while staying capable for advanced XRPL work. The one gap is that there is no desktop app or browser extension, so your Xaman experience lives on the phone.

Keys, Secret Numbers and hardware

By default Xaman uses Secret Numbers, eight rows of six digits, an XRPL key format designed to be less error-prone than a written phrase and convertible to a standard seed for other wallets. For cold storage it pairs with Tangem NFC cards: the card generates its key internally, the key never leaves the chip, and you tap to sign, so nothing moves without the card in hand. The trade there is that a lost card with no backup means lost access, so keep a spare card or an exported seed.

Security, audit and KYC

XRPL Labs published an independent security assessment by Cossack Labs, with all high-severity findings resolved, and frames its approach as "don't trust, verify," which is why it earns a strong 8.6 security subscore. KYC is entirely optional, used only by people who want a verified identity badge rather than to unlock the wallet. That combination of a published audit, optional KYC and genuine self-custody is unusually transparent for a single-chain wallet.

The 0.8% trading fee

On fees, Xaman is free to send XRP and tokens under fifty thousand dollars and to manage trustlines and NFTs, but it charges 0.8% on token swaps, AMM actions and DEX trades, with smaller percentages on very large transfers. That 0.8% trading fee, introduced in 2025, is the wallet's real controversy, debated hotly in the XRP community, since it is higher than trading directly on the XRPL DEX. The paid Pro tier is being retired, with its perks folded into the standard app. For occasional trades the fee is a convenience cost; for heavy DEX activity it adds up.

Xaman Wallet vs the alternatives

Multichain wallets like Trust Wallet and Exodus can hold and send XRP, but none offer the XRPL DEX, AMM pools, trustlines and xApps that Xaman does. For cold storage of XRP, a Ledger is the hardware option, though you lose the native XRPL toolkit. In short, Xaman wins decisively for anyone whose activity is on the XRP Ledger.

See our best crypto wallets roundup if you also hold assets on other chains and need a second wallet.

Price and value

Xaman is free to download, hold and send within its limits, and makes its money on the 0.8% trading fee. For a holder who mostly sends and receives XRP and rarely trades on the DEX, it costs effectively nothing; for an active XRPL trader, the 0.8% is a real cost to weigh against trading directly on-ledger. Given the toolkit, audit and support, the value is high for an XRP-focused user and simply irrelevant for anyone who is not.

Who should buy Xaman Wallet

If XRP and the XRP Ledger are your world, Xaman is the most capable, best-supported and best-audited option, and it earns our nod as the best XRP wallet. It is the wrong pick if you hold assets on Bitcoin, Ethereum or Solana, or if you trade heavily on the XRPL DEX and want to avoid the 0.8% fee, in which case you will need another wallet alongside it or a direct on-ledger route.