XRP (XRP) wallet

Manage your Bitcoin, Ethereum, XRP, Ripple, XLM and over 300 other coins and tokens.

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Download Ripple Wallet

It only takes a few minutes to set up Atomic Wallet on your PC or phone, giving you the perfect place to securely store your Ripple (alongside other top coins and tokens).

Buy and Swap Straight From Your Ripple Wallet

You can purchase your XRP and exchange it for other coins straight from your Ripple wallet on Atomic, which ensures your crypto is securely encrypted and controlled by only you. We work with a licensed EU payment provider to handle the processing.




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Benefits of an Atomic Ripple Wallet

  • Only you control your private keys
  • You can manage 300+ coins and tokens
  • Exchange 100+ cryptocurrencies and get 1% cash back
  • Buy BTC, SOL, SHIB, and 30+ assets with your bank card
  • Stake 10+ coins with up to 20% yearly yield

How to Set Up Your XRP Wallet

Install the app on your phone or PC

Create a new wallet (or import an existing wallet)

Buy crypto or make a deposit

Manage Your Portfolio

Sort your crypto assets by their amount and value to take control of your portfolio.


What You Can Do With Our XRP Wallet

Instant Exchange with Cashback

Swap 60+ crypto pairs anonymously and anonymously in return for cashback

Get Cashback

Buy Crypto

Buy BTC, LTC, ETH, XRP, and BCM using your bank card. We accept USD, EUR, and other local currencies across the world.

Buy Crypto

Stake and Earn

Earn between 5% to 20% APY by staking XTZ, ATOM, BAND, TRON, and more.

Stake Now

What Our Customers Say

Jesse Brewington

As always, Atomic Wallet has been super fast and convenient with all my transactions.

Brian Weaver

Best wallet out there!! Exchange feature is great and cheap which is a major plus!

Anne Mwai

I love that I can almost do anything in AW I can purchase and exchange Crypto very easily, very user friendly.


Sending coins from AW is super easy, safe and with no extra fees or limitations.


Great platform, really easy to use, nothing complicated, everything a beginner or pro trading crypto would want.

Download Atomic Wallet






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Why Choose XRP wallet


No registration and KYC required to use the app. We don't track your data


Your private keys are encrypted and never leave your device. Only you have control over your funds

24/7 Online Support

Fast support for your needs. Live chat and email support for customers from all over the globe.

Our Partners

We bet you've heard about XRP, one of the major players in the cryptocurrency world. XRP is the world's 3rd largest crypto that fuels XRP Ledger's ecosystem.

Ripple is a disruptive payment system aiming to change the way we interact with money. XRP provides fast and secure transactions between peers. XRP becomes more and more popular among millions of users, from individuals to banks; it is one of the most appealing cryptocurrencies on the market. XRP has been recently rebranded as a platform standing separately from Ripple that now solely functions as a technology provider. All transactions in the XRP Ledger are powered by the XRP coin.

The Atomic Wallet team is very happy to provide you with a smooth and secure interface to manage, exchange, and buy XRP with your bank card.

What is an XRP Wallet

If you decide to convert your savings into cryptocurrency (to be exchanged for electronic money) or to start earning cryptocurrency, you need to choose a reliable wallet for it. Ripple wallet is an application that allows you to manage your Ripple Private key and send or receive XRP. Such wallets exist in web/desktop, mobile, hardware, or paper versions. The most secure ones are hardware wallets; however, they may get fairly expensive and not as convenient for everyday use (you have to carry the wallet with you to perform a transaction).

While Bitcoin wallets are usually completely free, Ripple wallets actually require users to have 20 XRP for booking their wallet address. That's the reason why it's essential to pick the right wallet at once so as not to spend 20 XRP on multiple addresses.

Basically, a wallet is the main user interface through which a person interacts with the cryptocurrency system. Ripple wallets allow both storage and management of one's assets: with this software, one can buy, send, receive, and exchange XRP. The Ripple wallet contains private keys and public addresses and gives you full access to your funds. If you want to learn more about cryptocurrency wallets, check this detailed guide. Atomic is a desktop and mobile wallet, available for all major OS: Windows, macOS, Linux, Android, and iOS.

XRP Wallet Features

Now that you know what the main purpose of a Ripple wallet is, why not look at a specific example of a user-friendly multifunctional wallet!

There are plenty of wallets that allow you to keep and manage Ripple. You may find wallets designed specifically for XRP, as well as custodial and non-custodial wallets. The wider the choice, the harder it gets to find the wallet that would meet your needs. Atomic Wallet is here to spare you the need to wander around hundreds of websites in search of the best solution!

Atomic is a decentralized multi-currency wallet. It supports more than 300 cryptocurrencies, has a built-in Cryptocurrency Exchange, Staking, and Buy Crypto features, as well as 24/7 live support. It has become truly famous for its convenience, user-friendly interface, lack of operational costs, and security. The latter is ensured by the fact that your crypto is entirely under your control, as your private key is stored only on your device (and not on some online server); this offers full control over your assets. We provide you with the options to manage, exchange, and buy XRP with a bank card.

The primary purpose of Atomic Wallet is not just to store cryptocurrency but to create a healthy multifunctional ecosystem that, in many ways, resembles a decentralized exchange. Atomic Wallet has an internal token - AWC (short for Atomic Wallet Token), which has many use cases in the ecosystem, such as dividends for holders and the cash back program. Furthermore, it also serves as a marketing tool for bounty and airdrop campaigns.

A significant advantage of decentralized wallets, in general, is the opportunity to manage cryptocurrency from any device. Still, you need to pay attention to how you store the backup phrase since that is the primary access to your funds. With Atomic, your Ripple wallet is protected as long as you keep your seed, or private key, in a safe and secure place.

XRP transaction fees

It is important to understand that Atomic Wallet doesn't incur any fees for sending/receiving XRP; the only fee you're paying is the internal network fee set within the blockchain itself. This is to ensure that your transaction is added to the blockchain in a fast and secure way.

To protect the system from being disrupted by spam and denial-of-service attacks, each transaction must destroy a tiny amount of XRP. This transaction cost is designed to increase along with the load on the network, which makes it very expensive to deliberately or inadvertently overload the network.

XRP is a p2p system that works by consensus. That means that each node can send and receive XRP, but some of them operate as validators carrying out the Ripple Protocol Consensus Algorithm, or RPCA for short.

Basically, they make a snapshot of the transactions that are in process and create a public list called 'Candidate set'. After that, each validator creates its own unique node list (UNL) and votes on the accuracy of all transactions.

Transactions that receive more than a minimum amount of 'yes' votes are passed to the next round. On the other hand, transactions that don't receive enough votes will be rejected or included in the next candidate set at the beginning of the consensus process again. The last round of consensus requires at least 80% of the UNL to be in agreement to confirm the transaction.

That being said, the cost of a single Ripple transaction is relatively low. The fee for a standard transaction on the Ripple protocol is only about 0.00001 XRP. As the cost of 1 XRP is currently around $0.23, the transaction fee is so tiny that it's practically free! The fee sometimes increases slightly due to a higher load in the system.

Don't forget that, to manage your XRP in Atomic or any other wallet, you'll need to have at least 20 XRP as an unspendable balance to make a transaction successful. This measure is needed to use a personal XRP wallet address in the XRP Ledger. Learn more about this feature and XRP destination tags.

How to Use an XRP Wallet?

In order to enjoy the functionality of Atomic Wallet, one first needs to go through a simple process of creating a wallet. Download the installation file for your operating system from the official website and install the app. Run Atomic, click 'CREATE WALLET,' enter a secure password, and click SET PASSWORD. You will now see a 12-word seed phrase that can be used to restore access to the wallet. Be sure to keep in a safe and secret place! Then click 'START USING ATOMIC.'

You will then be taken to the wallet interface. In the first tab 'WALLET,' you will see the balance of all available coins and generated wallet addresses of different currencies. If you wish, you can sort the assets by volume, or hide negative balances. A remarkable feature of Atomic is the possibility to add any custom ERC20 (Ethereum-based) tokens to the wallet.

The 'EXCHANGE' tab provides an opportunity to exchange tokens through partner exchanges - ChangeNOW, Changelly, and ShapeShift.

The 'SETTINGS' tab allows you to change your password, get private keys that are securely stored in the encrypted form, as well as import an external wallet into Atomic Swaps Wallet (for this, you must enter a private key).

XRP and Traditional Banks

Since 2014, XRP focuses on the banking market and aims to disrupt the traditional payment system. The Ripple protocol was adopted by a range of financial institutions, including Fidor Bank, Cross River Bank, and Kansas-based CBW Bank. In 2018, the Earthport payment service started working in combination with Ripple, as well.

XRP is designed to be a mediator during the exchange processes in both cryptocurrencies and regular (fiat) money. For example, if you want to exchange EUR to USD, Ripple becomes both EUR and USD. On the XRP Ledger, such a transaction costs $0.00001, and this amount is non-replenishable, i.e. with every single transaction made via the XRP Ledger, the world loses $0.00001. For that reason, spamming becomes senseless. XRP is one of the fastest and more scalable blockchains on the market nowadays that may become a competitor to the Visa or Mastercard in terms of the TPS (transactions per second).

XRP runs a consensus of network validator, which allows handling over 1,500 transactions per second. The consensus enables applications to get relevant information on the content state by sharing a worldwide ledger, which is generated several times per minute. Once accepted and validated, the content gets encrypted in a ledger and never changes. The whole sequence of validated ledgers is called ledger history.

The Evolution of Ripple

Originally called Ripplepay, XRP was created in 2004 by Ryan Fugger. The initial idea was to create an alternative distributed monetary system, enabling individuals and enterprises to create their own currencies. In turn, this concept gave birth to another principle: unlike Bitcoin, Ripple was designed as a payment system that doesn't rely on blockchain ledgers and centralized trading platforms.

Later, Fudger joined a team of professionals: Arthur Britto, David Schwartz, Jed McCaleb, and Chris Larsen. Together, the team decided to work on a new project and create cryptocurrency 'XRP' to create a bridge between different types of currencies and make almost immediate transactions.


XRP is supported by multiple wallet providers, including Atomic Wallet. In Atomic, you can manage and exchange XRP, buy XRP with your bank card, and swap XRP with Atomic Swaps - everything you need, in one wallet application. Atomic Wallet empowers you with full control over your funds since your Private Keys are protected with a mnemonic seed and never leave your device.

Atomic Wallet provides you with one of the best options to store, send, exchange, and buy XRP. Install the app now and manage your XRP right in the Atomic Interface.

Read the full complete guide here.