Best Ripple (XRP) Wallet USA – 4 Best XRP Wallets in 2022

Fact Checked by Gary McFarlane

XRP is currently making big waves in the crypto space and it’s easy to see why, with lightning-fast transactions, extremely low network fees, and a list of over 100 partnered banks and financial institutes, XRP is set to be a major player that stands the test of time. XRP is designed to facilitate exchanges between currencies and to quickly settle large transactions for minimal fees. XRP, developed by RippleLabs is the network that these transactions take place on and XRP is the coin used to interact with the Ripple network and finance transactions.

To capitalize on this huge upside potential, you’ll have to equip yourself with the best XRP wallet currently available. This can be a daunting task, but it doesn’t have to be! By the end of this guide, you’ll have all the knowledge required to make an informed decision and answer the question “what is the best free XRP wallet”.

#1 XRP Wallet In the USA – eToro

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Best XRP Wallets USA – Top 4 List

Have you been trying to find the #1 free XRP wallet? Well look no further, we’ve done the research for you and compiled a list of the top 4 wallets. Complete with a breakdown of the good and bad aspects of each. 

  1. eToro – Overall Best XRP Wallet
  2. Atomic Wallet – Best XRP Wallet for Beginners
  3. Binance – Best XRP Wallet for Asset Diversity
  4. Ledger – Most Secure XRP Wallet USA

Below are our in-depth reviews for the top 4 best XRP wallets

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Best XRP Wallets USA – Top 4 List

Choosing the best XRP wallet USA doesn’t have to be confusing, we’ve analyzed several important factors (ease of use, security, convenience & extra features), to bring you a curated list of our 4 top picks.

So, without further to do, here are our choices for the very best XRP wallets 2022:

1. eToro – Overall Best XRP Wallet

One of the largest exchanges in the world, eToro offers users a complete trading experience by providing a wide range of useful features, namely, a free XRP wallet, copy-trading, and a range of indicators. Combine this with great support, a user-friendly platform, and a perfect track record and you have a clear winner for best XRP wallet USA. eToro also lets you hold and trade a wide variety of cryptocurrencies, as well as commodities, ETFs, and indices. If you’re new to the crypto space and have previous experience trading in other sectors this could be a great benefit; allowing you to manage all your investments in a single place.

eToro is regulated by the FCA, CySEC, and ASIC meaning that while you have to do an additional KYC (know your customer) verification, you can benefit from increased customer protection, such as depositor insurance, SSL encryption for personal data, and military-grade FIPS 140 cold storage for private keys. This is crucial for a custodial wallet as in the event of a breach you’d be at risk of losing your coins but luckily with eToro, you can rest assured that they have your back. 

When storing your XRP eToro offers two choices, firstly their proprietary eToro wallet app that you can download for free on both IOS and Android devices and gives you greater control of your assets while still allowing you to trade directly from the app. It supports over 120 different coins and tokens as well as more than 500 crypto-pairs, so you’ll be hard-pressed to find a major cryptocurrency that isn’t listed on the platform. Alternatively, you can store your XRP directly on the eToro web wallet meaning that as soon as you purchase with a credit/debit card or fund your account with another source of crypto you’ll immediately have access to your assets. Using the web wallet you’re able to buy XRP on a spread-only basis, so you’ll be paying minimal fees and with a low minimum investment of just $25, eToro is in our opinion, the top XRP wallet USA. 

After you’ve verified and funded your account, you’ll have access to a wide range of features that both new and advanced traders will love. Copy trading allows you to follow some of the best traders and automatically mimic what they’re doing, this lets even new users earn a passive income from crypto. Along with copy trading, eToro also gives you the ability to invest in managed portfolios meaning that you can have a well-balanced account with only a little effort. There are plenty of charting tools and indicators on the platform, so even more experienced traders can make good use of this free XRP wallet. 

eToro Fees

Coin Name Spreads
Bitcoin (BTC) 0.75%
Ethereum (ETH) 1.90%
Cardano (ADA) 2.90%
Binance Coin (BNB) 2.45%
Ripple (XRP) 2.45%


  • Overall best XRP wallet
  • Good for new and experienced traders
  • One of the largest exchanges in the US
  • Copy trading & managed portfolios
  • Regulated by the FCA, CySEC, ASIC
  • Mobile & web-based wallets
  • Great support
  • Low Fees


  • Lack of Metatrader support
  • Technical traders may require more indicator

67% of retail investor accounts lose money when trading CFDs with this provider.

2. Atomic Wallet – Best XRP Wallet for Beginners

Atomic Wallet offers users a great entry into the crypto space, with a hassle-free onboarding process. The interface is simple to understand and straightforward to navigate, allowing you to start managing your free XRP wallet with minimal effort. Because you won’t have to spend much time getting used to the platform, you’ll have more time to delve into all the features Atomic Wallet has to offer. 

As an open-source project, Atomic Wallet has the advantage of a greatly reduced chance of any bugs or vulnerabilities that may cause investors issues, making their way into the final builds. On top of this, Atomic Wallet keeps users safe in the event of their servers getting breached, by having key data such as passwords, encrypted and stored locally on your device. In response to not having any 2FA features, Atomic rebuts by stating that 2FA only really works for custodial wallets, because if somebody has your 12 words they can already gain access to your wallet from any device. With support for IOS, Android, and desktop Atomic Wallet has made sure regardless of your device you won’t be left out. These factors combined with Atomic being a non-custodial wallet make sure users are in good stead security-wise. 

With over 100 assets to choose from and no immediate need for identity verification, Atomic makes a compelling argument for those new to the crypto space that want to get stuck in as quickly as possible. Although there is no native exchange, Atomic Wallet provides its users the ability to buy XRP with an integrated exchange that uses either Shapeshift, Changelly, or Atomic Swaps depending on rates. When buying crypto on Atomic Wallet you will get a small rebate, which will be credited in AWC (Atomic Wallet Coin) and while not massive, any cashback is always a welcome bonus.

Atomic Wallet Fees

Fee Type Amount (%)
Credit/Debit  2%
Bank Deposit  1%


  • Over 100 assets 
  • No id verification
  • Desktop & mobile
  • Built-in exchange
  • Great for temp storage
  • Stake crypto to earn rewards
  • Earn AWC back on purchases


  • Can be slow to load transactions
  • Hot Wallet
  • Fees can be higher than average

67% of retail investor accounts lose money when trading CFDs with this provider.

3. Binance – Best XRP Wallet for Asset Diversity

Binance is a huge player in the crypto space and it’s easy to see why, pairing a diverse range of assets, indicators, and additional features with low fees and high security make Binance a very competitive free XRP wallet. Binance was the first exchange I used and for the vast majority of those fairly new to trading, it’s an excellent platform, however, once you gain a bit more experience some of the limitations become clear. 

One area that could be confusing for anybody new to Binance is the regulatory issues it was facing in the US during 2019. Due to some of the financial instruments Binance had available, they were banned from accepting any US-based users, this however was quickly remedied by the creation of Binance.US, a USA-based variant of the platform that allowed Binance back into the US market. It’s important to note on Binance.US you are slightly more limited on the range of assets and in Connecticut, Hawaii, Idaho, Louisiana, New York, Texas, and Vermont Binance.US is currently still unavailable. 

Having such a large user-base makes it crucial to maintain a high level of security and Binance achieves this with its industry-standard security systems and encryption, however, due to Binance being a custodial wallet (meaning it manages your keys), it’s imperative to enable 2FA as a preventative measure toward securing your XRP. If having access to your private keys is important to you, Binance has recently acquired another contender for the best XRP wallet; Trust Wallet. Trust wallet puts private keys in your hands offering greater security to advanced users and can be connected to Web 3.0 applications in a similar way to MetaMask, however, due to higher fees and fewer indicators if you plan on actively trading rather than using Web 3.0 applications you’ll be better off keeping your coins in Binance.

Once you’ve signed up and verified your details with Binance you’ll be free to deposit either fiat or crypto and start trading. Binance offers advanced charting capabilities by integrating TradingView, providing technical traders an extremely advanced and robust set of features. The fees are also very low in comparison to many other exchanges, that being said if you’re using a debit/credit card you can expect an additional 4.5% to be charged, making Binance more attractive to users that can fund their free XRP wallet with another source of crypto.

Binance Fees

Fee Type Amount (%)
Spot Trading  0.1%
Instant Buy/Sell  0.5%
Debit/Credit Card 4.5%


  • Hugely popular
  • Wide range of technical indicators
  • Various ways to trade
  • Low Fees


  • Regulatory issues
  • Custodial wallet not ideal for everyone
  • Not accessible everywhere

67% of retail investor accounts lose money when trading CFDs with this provider.

4. Ledger – Most Secure XRP Wallet USA

If making sure your coins are completely untouchable, even from the most motivated criminals,  is what makes the best XRP wallet for you, then using a hardware wallet like a Ledger has no equal. A Ledger is classed as a cold wallet, meaning it’s kept away from any networks and when not in use remains completely offline. On the other hand, a hot wallet like Atomic Wallet always remains connected to the internet and therefore, while much more convenient, is vulnerable to online attacks. 

Being a physical item, a Ledger works differently from most wallets. First, you have to plug it into a USB slot or connect to your computer with Bluetooth, then rather than using a username and password to log in, you have to write down a list of 24 words that act as your recovery information in case you lose the pin needed to access the device. While this may seem like a hassle it’s the only way to ensure your coins are completely secure; if you lose the Ledger or pin you can recover your assets using the 24 words and if somebody were to take your Ledger, without the pin it would be useless. 

WIth your Ledger, you will also have access to Ledger Live, a desktop/mobile app that allows you to view, manage, and stake your assets with ease. From Ledger Live you can manage which wallets you have installed on your Ledger (important due to limited storage space), monitor prices, send, and receive crypto. You also have access to an exchange to buy/sell, however, due to extremely high fees, it can be considerably cheaper to send coins to a separate exchange and sell there, because of this it’s far more convenient to use your Ledger for storage purposes rather than day trading.  

Ledger Fees

Fee Type Amount (%)
Handling 4.5%
Conversion 0.5%
Credit/Debit 1.5%
Spread (Markup) 3% to 4%


  • Hardware wallet so extremely secure
  • Good variety of coins
  • Non-Custodial
  • Coins 100% safe


  • Somewhat costly ($59-$119)
  • Not particularly convenient
  • Limited storage space
  • Can be confusing at first

67% of retail investor accounts lose money when trading CFDs with this provider.

What is a XRP wallet USA?

An XRP wallet will store all transactions that originate from your address, allowing you to keep track and verify every transaction by using a combination of your private and public keys. Without a XRP wallet, it’s essentially impossible to interact with the Ripple blockchain, due to all network fees being charged in XRP. 

There are 3 main types of XRP wallets and understanding the differences between them is important to select the wallet that best matches your needs:

  • Hardware Wallet: In the past few years security has become increasingly more important to the average person, therefore it’s no surprise that there has been an explosion in the number of people using hardware wallets. We previously mentioned Ledger, the biggest player in this category, their hardware wallet could easily be mistaken for a USB thumb drive but in reality, it’s a device used to confirm transactions and store your XRP offline away from the Ripple network preventing hackers from gaining access to your coins.
  • Exchange Wallet: An exchange wallet is undoubtedly best for anyone actively trading, as they combine the convenience of fairly priced buying and selling, with all the security features that come with such a heavily regulated industry. An example of an exchange wallet, and our pick for overall best XRP wallet, is eToro.
  • Mobile/Desktop Wallet: A mobile/desktop wallet falls somewhere in between an exchange and a hardware wallet, often they provide you with your private keys, so if you lose access to your device, you’re still able to recover the wallet. However, these wallets are online and therefore vulnerable to nefarious individuals attempting to steal your coins. Combine this with generally overpriced exchanges and limited trading features makes this a better option for temporary storage.

How to Find The Best XRP Wallet

Everyone has different needs and therefore the best XRP wallet differs from person to person, but luckily we’ve compiled a few key factors that can help you pick the correct XRP wallet for your needs. If you don’t have any specific requirements, then a great all-around option, offering a blend of security, convenience, and extra features would be eToro.

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