Loading
The Xaman Wallet is one of the most popular self-custody wallets designed specifically for the XRP ecosystem. Built for the XRP Ledger (XRPL), it allows users to securely store, send, receive, and manage digital assets while maintaining full control of their private keys.
Unlike centralized exchanges, Xaman is a non-custodial wallet, meaning only you control your funds and sensitive keys. The wallet stores your private keys locally on your device with encryption and requires approval for every transaction. ([Xaman Wallet][1])
In this guide, you will learn how to set up, secure, and use the Xaman Wallet safely in 2026.
Xaman (formerly known as XUMM) is a self-custody mobile wallet built specifically for the XRP Ledger network. It acts as a secure interface that lets users interact directly with XRPL services, decentralized apps, and digital assets. ([Xaman Help Center][2])
Key features include:
Because it is a non-custodial wallet, your crypto assets remain on the blockchain, not inside the app itself. The wallet simply manages the keys used to access them. ([Xaman Help Center][2])
Setting up Xaman Wallet is straightforward and only takes a few minutes.
Install the wallet from the official App Store or Google Play.
Always verify the developer and avoid downloading apps from unknown websites to prevent phishing scams.
After opening the app:
This recovery phrase is extremely important because it allows you to restore your wallet if your device is lost or damaged.
Security is the most critical part of using any crypto wallet. Xaman provides several built-in security features, but users must also follow best practices.
Your secret numbers or seed phrase are the master keys to your wallet. Anyone who has them can access your funds.
Security tips:
If someone asks for your recovery phrase, it is almost certainly a scam.
Xaman allows users to enable security features like:
These features add an additional layer of protection and prevent unauthorized access to the wallet. ([Xaman Wallet][3])
Before signing any transaction, Xaman displays full transaction details. The wallet requires manual confirmation for every transfer to prevent accidental or malicious transactions. ([Xaman Wallet][1])
Always check:
Crypto scams frequently target wallet users. To stay safe:
Xaman support will never ask for your secret numbers.
Advanced users can integrate Xaman with hardware security solutions such as NFC-based wallet cards. These tools store private keys on a secure chip and require physical confirmation for transactions, offering additional protection. ([Xaman][4])
Once your wallet is secured, you can start using it for everyday crypto transactions.
To send XRP:
Transactions on the XRP Ledger typically settle within 3–5 seconds with extremely low fees. ([Xaman][5])
To receive funds:
Some exchanges may also require a Destination Tag, so always check the instructions when transferring funds.
Xaman supports multiple asset types within the XRPL ecosystem:
You can view balances, add trust lines for tokens, and interact with NFT marketplaces directly from the wallet interface.
One of the most powerful features of Xaman Wallet is its xApp ecosystem. These mini-applications allow users to access:
Transactions initiated through these services are securely signed inside the wallet before being broadcast to the XRP Ledger.
If you lose your phone or reinstall the app, you can recover your wallet using the secret numbers generated during setup.
Steps:
Without this recovery information, your funds cannot be recovered.
Xaman offers several advantages for XRPL users:
Because it is designed specifically for the XRP ecosystem, the wallet provides a streamlined experience compared to general multi-chain wallets.
Xaman Wallet is a powerful and secure solution for managing XRP Ledger assets. Its self-custody model ensures that users maintain complete ownership of their funds while benefiting from strong security measures like encrypted key storage, biometric authentication, and secure transaction signing.
However, the safety of your assets ultimately depends on how well you protect your recovery phrase and device. By following the best practices outlined in this guide, you can confidently store and manage your XRP and other XRPL tokens using Xaman Wallet.