Ripple is a company that allows for numerous transactions to be made per minute very inexpensively. The company Ripple also has a Ripple Transactions Protocol which is nicknamed the Ripple Network.

Ripple can also refer to the currency created by the same company, and although they don't have their own wallet platform that they endorse, there are numerous third-party options for the consumer to choose from.

Companies can use Ripple to process payments more quickly than with other standard methods and funds can be sent securely around the globe. Ripple uses the most advanced and secure blockchain technology to ensure funds are kept safe and this means that transactions can be scalable and coordinate well with other networks.

One of the significant benefits of using Ripple is that it is inexpensive compared to other methods, and the payment can be processed instantly and in a reliable manner. The Ripple company has grown to have offices in the following cities:

  • Sydney
  • London
  • New York
  • San Francisco
  • India
  • Singapore
  • Luxembourg

Ripple also has a number of investors that include Google Ventures, Seagate, Standard Chartered, SBI Group, and others who are global companies, venture capital firms, and strategic investors.

How We Chose Our Ratings

Laptop and Cryptocurrency

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Ripple doesn't currently endorse any one wallet app which means that third-party app developers have stepped in to create options for consumer and companies alike. These apps are generally secure options but will have different benefits for users.

To find the best Ripple wallet we compared the industry-leading options to analyze users' experiences, wallet features, and overall security recommendations from industry experts to ensure our ratings are comprehensive.

Accuracy and honesty are vital to us, so our ratings also include user feedback, customer service experiences, and brand reputation.

The Four Kinds of Ripple Wallets

There are four different kinds of wallets for storing Ripple, and each one comes with various features that users will find beneficial.

There are also some cons to contemplate as well and depending on your use case one or more kinds of wallets might be most suitable for meeting your needs. Our list of best Ripple wallet platforms includes online wallets, paper wallets, desktop wallets, and hardware wallets.

Hardware Wallet


Image by Esa Riutta from Pixabay

Hardware wallets will be the most secure for storing your Ripple, and you'll be able to save them offline as needed. Hardware wallets are safest from hackers, and other digital thefts and most allow you to recover any stolen currency.

The downside of the hardware wallet is that if your offline storage device is damaged, you'll need to work with the wallet company to recover your funds and to use the funds you'll need to be in possession of the storage device as well.

Paper Wallets

Paper Wallets

Image by Paweł Szymczuk from Pixabay

Paper wallets are simple as they are nothing beyond pieces of paper with private keys written on them for your reference. Some users will use this method and store the documents in a safe location such as a safety deposit box or a safe. It's rumored that certain billionaires store their keys in this fashion.

This is a common method used by those who are significant investors in cryptocurrency, although if you lose the papers, you may be doing a lot of backtracking and working to rediscover those keys.

​​​​​​Online Wallets

Online Transaction

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Online wallets are by far the most popular method of storing Ripple, and most users will opt for one of the free wallet versions available that has features that they'll use most. Online wallets are known for their convenience, and intuitive user interface, but they also have the benefit of being accessed across the globe.

Since you can sign in from anywhere and access your Ripple, there is the obvious danger of digital theft and other added risks that aren’t present with physical storage of keys via paper or hardware wallets.

Desktop Wallets

Apple Desktop

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Desktop wallets offer many of the same features as an online wallet, but they are installed on a desktop or laptop computer as their access point. These wallets were one of the first when cryptocurrency emerged in the mainstream, and they are still used today but not as frequently as online wallets.

Top 5 Best Ripple Wallets

When you're ready to start collecting your Ripples, and other coins, you'll want to have the best Ripple wallet for your lifestyle and business transactions. This list includes some of the most popular options for Ripple wallets that are widely available, easy to use, and ultra-secure.

Toast Wallet

Toast Wallet

Image from Toast Wallet

Rating: 5 out of 5 stars

Toast wallet is an excellent open source wallet that can be used on Android, Windows, iOS, Mac, and Linux based devices wherever you are. The company's goal is to build a cross-platform app that allows cryptocurrencies to be accessed by users wherever they are.

Another goal of this platform is for it to be simple enough that practically anyone can use it, but still secure enough for any transaction. The regular bug fixes and security updates make it an attractive choice for those wishing to complete transactions on the go, and the full source code is also available online.

If you're worried about using a platform for transactions without support, Toast has a community for posing your questions, a FAQ page, and tips to help you get started. The Toast wallet is entirely free to use, but if you intend to use it with your browser, you’ll need to be using chrome.

Ledger Nano S

Ledger Nano S

Image from Ledger

Rating: 5 out of 5 stars

Ledger Nano S is a hardware style of wallet that is both simple, elegant, and supports multiple currencies. The easy to store chip resembles a flash drive, and it calls itself “the most popular multi-currency hardware wallet on the market.”

You can choose from six different colors and enjoy the optimal security features the company ensures by having the user set a PIN.

The Ledger Nano S has only two buttons on it which keeps it simple, and actions can be confirmed by looking at the small screen that it has on one side. The accompanying app called Ledger Live helps users manage their coins wherever they are.

This device acts as a hardware wallet and also has the ability to be backed up. You can store recovery information on any device by using the recovery phase used when initializing the device. By using the phrase, you can restore your account on any Ledger device.

Coin Payments

Coin Payments

Image from Coin Payments

Rating: 5 out of 5 stars

Coin Payments has the ability to accept over 1135 different kinds of coins which makes it a great all in one wallet if you are into collecting different cryptocurrencies.

Coin Payments calls itself an "integrated payment gateway for cryptocurrencies," and it also offers plugins for shopping carts which means you can use it to accept payments via your website.

One of the primary functions that make Coin Payments so secure is its use of GAP600 which confirms payments super-fast and their Vault feature which allows the user to specify payment amounts before the payments are made.

This platform also comes with an interface that you can use for in-person transactions, and you can accept all different coins into your wallet and convert them as needed.



Image from Exarpy

Rating: 4.9 out of 5 stars

Exarpy calls itself a “warm wallet” which allows you to access your funds wherever you are, even if you are on the go. The only thing you’ll need in order to gain access is a computer or device that has a browser and an internet connection.

Exarpy does not track your use of its product with analytics software like other apps as that poses a potential security risk and their platform is all about maintaining good security. Instead, they put the control of the product in the hands of the users in the form of secret keys that the company doesn't have access to from the app.

Since the app itself doesn’t store any of your data, there isn't any information to be breached that is on their servers. The downside to this is that if you lose your keys, Exarpy cannot help you recover them. As a user, you enter your information while offline, and that information is deleted before you go back online again.

The communications between Exarpy and your browser are secured using SSL, but none of your sensitive information is ever sent to the app. The company even makes suggestions for removing other browser extensions that might be spying on you as you use your browser and other helpful tips for keeping your funds safe.



Image from Cryptonator

Rating: 4.9 out of 5 stars

Cryptonator supports multiple currencies and also is accessible on any device where you have an internet connection. Cryptonator has developers working to ensure consistent updates to their security are released, and web connections using SSL are mandatory.

This service is unique in that it offers another level of security in the form of 2-factor authentication which is a one-time password that protects a user from theft. This wallet is also unique because it will block any traffic from IP addresses that are suspicious and attempting to access your account.

Buyer’s Guide

There are many excellent Ripple wallet options out there and finding a great fit for your needs won't be too difficult. The issue comes from selecting which type of wallet will work best for your situation, and the other features that you’ll want.

Features and User Experience

Continued Development