XRP Ledger
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The Smarter Crypto Wallet. Hold, Earn and Borrow with Confidence.

Institutional custody. Complete clarity.

Download forAndroid Use it oniPhone
Built on the XRP Ledger

A clear way into the complicated world of crypto.

No special knowledge needed. XRP Ledger shows you what every action means, what it costs and what happens next, before you confirm.

See how it works →
Everything in one app

Everything your crypto needs.

One account for the coins you hold, the yield you earn and the loans you take.

Institutional custody for every coin you hold.

Assets are held through a disclosed, institutional-grade custody provider. Private keys never sit on your phone, so there’s nothing to lose or back up.

Put your crypto to work.

Earn on idle coins or borrow against them, with every number shown before you commit.

Before you confirm, you’ll see
Earn rate and terms Published
Loan-to-value Shown upfront
Liquidation price Shown upfront

Buy, sell and exchange

Buy with a card, swap between coins in a few taps, or sell and get paid by bank transfer.

Every request tracked

Deposits, withdrawals and loans show each stage, from submitted to settled.

Your local currency

Live prices and your total value shown in the currency of the country you sign up from.

Security

Security at every step.

Layered protection on your account, with you in control of how strict it is.

Every withdrawal is reviewed.A person checks each one before it leaves the platform.

  • Two-step sign-inTurn on an authenticator app for a one-time code each time you sign in.
  • Personal security phraseChoose six words that confirm it’s really you when you sign in and withdraw.
  • Automatic sign-outStep away and your session closes itself after 15 minutes of inactivity.
  • App lock on AndroidOpen the app with your fingerprint or face, so only you get in.
  • Keys off your phoneAssets stay with the custody provider, never stored on your device.
18 coins · 21 networks

All your major coins, one balance.

Deposit, hold and track the leading assets, with live prices in your local currency.

XRP Bitcoin BTC Ethereum ETH Tether USDT USD Coin USDC Solana SOL BNB TRON TRX Dogecoin DOGE Cardano ADA Stellar XLM Hedera HBAR Litecoin LTC Cronos CRO Polygon POL Cosmos ATOM Dash Flare FLR
Getting started

Up and running in minutes.

Create your account

Set up your crypto trust and account with your email and a secure password.

Verify your identity

Take a quick photo of your ID and a selfie, right from your phone.

Deposit and grow

Send in crypto or buy with a card, then earn, borrow or exchange.

FAQ

Questions, answered.

Can’t find what you’re looking for? Our support team is one email away.

Contact support →
What does a custodial wallet mean?

Your assets are held by the platform through its disclosed custody provider, rather than in a wallet whose keys you manage yourself. You don’t need to store a recovery phrase, and every withdrawal is reviewed before it’s sent. The Custody Agreement and Risk Disclosure in the app explain exactly how it works.

Which coins can I hold?

18 major coins, including Bitcoin, Ethereum, XRP, Solana, Tether, USD Coin, Cardano, Dogecoin and Stellar, across 21 networks.

How do I get the app on Android?

Tap Download for Android, open the file and tap Install. If your phone asks, allow installs from your browser. That’s expected for apps downloaded directly.

How do I use it on iPhone?

Open this page in Safari and tap Sign up. Once you’re in, tap the Share button and choose Add to Home Screen. XRP Ledger then opens full screen from your home screen, just like any other app.

How long do withdrawals take?

Every withdrawal is reviewed before it’s sent, so allow a little time. You can follow each stage in the app, from submitted to settled.

How does earning work?

Each Earn product shows its rate, terms and risks before you join. Rewards depend on the product and market conditions, so read the details for each one before you commit.

Can I connect a wallet I already have?

Yes. Connect an existing wallet to see it alongside your account. Connected wallets stay under your own control and are shown separately from the assets held with us.

I forgot my password. What do I do?

Email support.xrpledger@gmail.com from the address on your account and our team will help you get back in securely.

Your crypto, working for you.

Install it on Android, or use it on iPhone straight from your home screen. Same app, same account, same security.

Download for Android

Install the app directly. It takes about a minute.

  1. Tap Download for Android.
  2. Open the file when it finishes downloading.
  3. If your phone asks, allow installs from your browser, then tap Install.
Download for Android

Your phone may say the app is from outside the Play Store. That’s expected for a direct download.