When it comes to managing digital assets like XRP and XLM, choosing the right crypto wallet is more than just a convenience—it's a necessity for security, accessibility, and long-term investment success. As two of the most widely used cryptocurrencies in cross-border payments and decentralized finance, Ripple (XRP) and Stellar (XLM) require reliable storage solutions that balance robust protection with user-friendly functionality.
With so many wallet options available, how do you know which one truly meets your needs? This guide dives into the top wallets for XRP and XLM, explores essential features to consider, and helps you make an informed decision based on security, usability, and compatibility.
Key Features of a Reliable XRP and XLM Wallet
Before diving into specific wallet recommendations, it's important to understand what makes a crypto wallet suitable for storing XRP and XLM. Not all wallets support these tokens equally, and some lack critical security features. Here are the core aspects to evaluate:
🔒 Security First
Your wallet should offer strong encryption, private key control, and additional layers like PIN protection or biometric authentication. Hardware wallets, which store keys offline, are generally the most secure option.
📱 Mobile and Desktop Compatibility
Whether you're managing assets on the go or from your desktop, seamless access across devices enhances usability without compromising safety.
💬 Intuitive User Interface
A clean, easy-to-navigate interface ensures smooth transactions, balance tracking, and token management—especially important for newer users.
🔄 Multi-Token Support
Since many investors hold both XRP and XLM alongside other cryptocurrencies, a multi-currency wallet can simplify portfolio management.
👉 Discover a secure way to manage multiple cryptocurrencies in one place.
Top Wallets for Storing XRP and XLM
1. Ledger Nano S – The Gold Standard in Hardware Security
The Ledger Nano S remains one of the most trusted hardware wallets for securing digital assets. It supports over 1,800 cryptocurrencies, including both XRP and XLM, making it ideal for diversified portfolios.
This compact device stores your private keys offline (cold storage), protecting them from online threats such as hacking or phishing. To use it, simply connect the Ledger to your computer via USB, enter your PIN, and manage your funds through the Ledger Live application.
Key benefits:
- Military-grade secure element chip
- Recovery phrase backup for fund restoration
- Regular firmware updates for enhanced security
While it requires a small upfront investment (~$59), the peace of mind it offers is invaluable—especially for long-term holders.
2. Toast Wallet – Lightweight and Focused on XRP & XLM
Originally developed as a desktop wallet for XRP, Toast Wallet has evolved into a reliable option for both XRP and XLM users. It’s open-source, lightweight, and doesn’t require downloading the full blockchain, making it fast and efficient.
Available on Windows, macOS, and Linux, Toast Wallet gives users full control over their private keys while offering a clean, intuitive interface. It also integrates directly with the Ripple and Stellar networks for real-time transaction processing.
However, mobile support is limited compared to other options, so it’s best suited for desktop-based management.
Pros:
- Full private key control
- Open-source transparency
- Native support for XRP and XLM trustlines
Cons:
- No official mobile app
- Less ideal for beginners unfamiliar with seed phrases
3. Stellar Desktop Client – Official XLM Wallet by Stellar.org
For dedicated Stellar (XLM) holders, the Stellar Desktop Client is an official solution backed by the Stellar Development Foundation. It's designed specifically for managing XLM tokens securely and efficiently.
Built with simplicity in mind, this wallet allows users to send, receive, and trade XLM with minimal friction. It also supports custom assets issued on the Stellar network, adding versatility for DeFi users.
Though it doesn’t support XRP natively, it’s still a top-tier choice if your primary focus is XLM storage and activity within the Stellar ecosystem.
Security note: Always download the wallet from the official stellar.org website to avoid counterfeit versions.
4. Atomic Wallet – All-in-One Solution for Multi-Currency Holders
If you're looking for a single wallet that handles XRP, XLM, and dozens of other cryptocurrencies, Atomic Wallet stands out as a powerful contender.
This decentralized software wallet gives you full control over your private keys while offering built-in exchange functionality through partners like Changelly and Swapin. You can swap between XRP and XLM directly within the app—no need to use external exchanges.
Additional features:
- Available on desktop (Windows, macOS, Linux) and mobile (iOS, Android)
- Biometric login for enhanced security
- Staking support for select coins (though not currently available for XRP or XLM)
Atomic Wallet doesn’t require registration or KYC, preserving user privacy—a major plus in today’s data-sensitive environment.
👉 Explore a feature-rich wallet that supports secure trading and storage.
Frequently Asked Questions (FAQ)
Q: Can I store both XRP and XLM in the same wallet?
Yes, several wallets support both tokens. Ledger Nano S and Atomic Wallet are excellent choices that allow you to manage XRP and XLM alongside other cryptocurrencies in one secure interface.
Q: Are hardware wallets worth it for XRP and XLM?
Absolutely. If you're holding significant amounts of either cryptocurrency, a hardware wallet like the Ledger Nano S provides superior protection against online threats by keeping private keys offline.
Q: Is it safe to keep XRP or XLM on an exchange?
While convenient for trading, leaving large balances on exchanges exposes you to risks like platform hacks or insolvency. For long-term storage, always transfer your tokens to a personal wallet where you control the private keys.
Q: Do I need a trustline to hold XRP or XLM?
For XRP, no trustline is needed—it’s native to its own network. However, on certain platforms or when holding wrapped versions of tokens, additional setup may be required. For XLM, trustlines are used only when holding non-native assets issued on the Stellar network.
Q: What happens if I lose my wallet recovery phrase?
Losing your recovery phrase typically means losing access to your funds permanently—especially with non-custodial wallets. Always store your seed phrase securely in multiple offline locations.
Final Thoughts: Prioritize Security Without Sacrificing Usability
Choosing the best wallet for XRP and XLM depends on your usage habits, technical comfort level, and investment size. For maximum security, go with a hardware wallet like Ledger Nano S. For everyday convenience and multi-token flexibility, consider Atomic Wallet or Toast Wallet.
Regardless of which option you choose, always:
- Keep your software updated
- Use strong passwords and two-factor authentication
- Store recovery phrases offline
- Verify download sources to avoid phishing scams
As blockchain ecosystems continue to evolve, having a reliable storage solution ensures you remain in full control of your digital future.
👉 Secure your XRP and XLM holdings with advanced tools designed for modern investors.
By focusing on security-first practices and selecting wallets that align with your needs, you can confidently navigate the world of digital finance—knowing your assets are protected, accessible, and ready for whatever comes next.