Xaman (XUMM)
The Top Free XRPL Wallet
Xaman (formerly XUMM) is the premier mobile wallet for the XRP Ledger. Built by XRPL Labs, it offers the most comprehensive XRPL experience with support for all native features including the DEX, NFTs, AMM, and trustlines. It's completely free and designed specifically for the XRP Ledger ecosystem.
Xaman (XUMM)
Anyone looking for a free, full-featured XRPL wallet. Perfect for beginners and advanced users alike.
- Completely free to use
- Best-in-class XRPL feature support
- Regular updates and active development
- Mobile only (no desktop version)
- No hardware wallet functionality
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In-Depth Review
Overview and First Impressions
Xaman, formerly known as XUMM, is the flagship mobile wallet for the XRP Ledger and arguably the most important piece of software in the entire XRPL ecosystem. Developed by XRPL Labs — a team with deep ties to the ledger's core development — Xaman was purpose-built from day one to give users full, native access to every feature the XRP Ledger offers. Unlike multi-chain wallets that bolt on XRP support as an afterthought, Xaman treats the XRPL as its sole focus, and the difference in quality is immediately apparent.
From the moment you open the app, the interface feels polished and intentional. The onboarding flow walks you through creating or importing an account, setting up biometric authentication, and understanding your secret numbers — all without overwhelming newcomers. Seasoned XRPL users will appreciate the depth of control available just below the surface, including raw transaction signing, custom trustline management, and direct DEX access.
User Experience and Daily Use
Where Xaman truly shines is in its role as the gateway to the broader XRPL ecosystem. The built-in xApp browser lets you interact with decentralized applications directly from the wallet — whether you are trading tokens on the XRPL DEX, minting NFTs, or participating in AMM liquidity pools. The sign-in flow uses QR codes and deep links, meaning you never have to copy-paste your private key or seed phrase into a third-party website.
The payment experience is smooth and intuitive. Sending XRP or issued tokens takes just a few taps, and the app clearly displays destination tags, memo fields, and network fees before you confirm. For merchants and developers, Xaman offers PayID integration and xApp development tools that make it easy to build payment experiences on top of the XRPL. The wallet also supports multiple accounts, so you can separate your main holdings from a trading account or NFT collection.
Security Architecture
Security in Xaman follows a thoughtful, layered approach. Your private keys are encrypted and stored locally on your device — they never leave your phone and are never transmitted to XRPL Labs' servers. The app supports biometric unlock (Face ID and fingerprint), PIN protection, and a unique tangem card integration for hardware-level signing. The secret numbers backup system is an innovative alternative to traditional seed phrases, offering a way to recover your account that is resistant to common phishing attacks.
XRPL Labs has also implemented transaction-level security features. Every transaction request shows a clear breakdown of what you are signing, with warnings for unusual amounts, unknown destinations, or missing destination tags. The app's open-source xApp framework means that third-party dApps interact with your wallet through a sandboxed environment, reducing the risk of malicious code accessing your keys.
Who Should Use Xaman
Xaman is the ideal wallet for anyone who is serious about the XRP Ledger. If you hold XRP and want to participate in the XRPL ecosystem — whether that means trading on the decentralized exchange, collecting NFTs, providing AMM liquidity, or simply sending payments — Xaman is the tool that gives you the most complete access. It is free, regularly updated, and backed by a development team that is deeply invested in the ledger's long-term success.
The only users who might want to look elsewhere are those who need cold storage for very large holdings (in which case pairing Xaman with a Tangem card or using a dedicated hardware wallet is recommended) or those who prefer a desktop-first experience. For everyone else, Xaman is the gold standard for XRPL wallets and the first app we recommend to anyone entering the ecosystem.
Alternatives to Xaman (XUMM)
If this wallet isn't quite right for you, here are the closest alternatives we'd recommend.
Serious investors with significant holdings who want maximum security and multi-coin support.
Developers and power users who prefer browser-based wallet access with seamless dApp integration.
Visitor reviews
Frequently Asked Questions about Xaman (XUMM)
Pros
- Completely free to use
- Best-in-class XRPL feature support
- Regular updates and active development
- Strong security with biometrics
- Large ecosystem of xApps
- User-friendly interface
- Built by XRPL Labs (core contributors)
Cons
- Mobile only (no desktop version)
- No hardware wallet functionality
- Learning curve for advanced features
Key Features
Security Features
Best For
Anyone looking for a free, full-featured XRPL wallet. Perfect for beginners and advanced users alike.
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Free: XRPL Wallet Starter Kit
Get our setup checklist, security tips, and the same shortlist we'd give a friend asking about Xaman (XUMM).
- Step-by-step Xaman setup checklist
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- 5 mistakes new XRP holders make
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