What Is Xaman Wallet?
Xaman Wallet is the leading self-custody mobile wallet built exclusively for the XRP Ledger (XRPL) and Xahau Network, offering users complete control over their digital assets with uncompromising security and seamless ecosystem integration. Since its launch (originally as Xumm), Xaman has become the go-to platform for millions of users and thousands of developers who need secure, fast, and feature-complete access to the XRPL ecosystem.
Core Features and Capabilities
Self-Custody and Security
Xaman operates on a self-custody model, meaning you control your private keys and your assets at all times—no middleman, no compromises. Your funds are protected through multiple layers of security: passcodes, biometric authentication (fingerprint or Face ID), and encrypted storage of account secrets. The wallet's security-first approach has maintained zero breaches for over five years, with independent audits confirming its robust protection mechanisms.
For users seeking enhanced security, Xaman offers integration with Tangem NFC hardware cards, which perform cryptographic operations on an isolated chipset, effectively turning your mobile setup into a cold wallet experience while maintaining the convenience of hot wallet access.
Multi-Account Management
One of Xaman's standout features is the ability to create and manage unlimited XRPL accounts from a single interface. This flexibility allows users to separate personal holdings from trading activities, manage multiple business accounts, or experiment with different XRPL projects without needing multiple wallet apps.
Complete XRPL Asset Support
Xaman supports all assets available on the XRP Ledger and Xahau Network, including:
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XRP – The native cryptocurrency of the ledger
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Stablecoins – Such as RLUSD and other issued tokens
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Custom tokens – Any token issued on XRPL
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NFTs – Full minting, trading, and management capabilities
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AMM liquidity positions – Automated market maker interactions
Transactions settle in 3-5 seconds with minimal network fees, making Xaman ideal for both everyday payments and high-frequency trading activities.
xApps: Gateway to the XRPL Ecosystem
Xaman integrates xApps directly into the wallet interface, allowing users to sign in to nearly every project on the XRPL without leaving the app. This seamless integration means you can:
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Access decentralized exchanges (DEX)
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Interact with DeFi protocols
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Participate in NFT marketplaces
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Use lending and borrowing platforms
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Engage with any XRPL-based application
The wallet acts as your universal identity and transaction signer across the entire XRPL ecosystem, approved directly in the app with safe and simple confirmation flows.
Fee Structure and Monetization
As of 2025, Xaman transitioned to a fair, on-ledger fee model that keeps most transactions completely free while introducing modest fees for trading activities.
Free Transactions Include:
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Sending and receiving XRP
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Sending and receiving tokens
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Canceling offers
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Deleting accounts
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Minting NFTs
Fee-Based Transactions:
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Trading transactions (swaps, AMM liquidity, DEX interactions): 0.8% service fee on volume with a minimum of 0.09 XRP
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Pathfinding Payments: 0.15 XRP due to infrastructure load
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High-value transactions: Reduced fees for large volumes ($50K+ at 0.1%, $100K+ at 0.07%)
Xaman Pro Benefits:
Pro subscribers receive 25 feeless trading transactions per month OR up to $1,000 in volume monthly before fees apply. Users who purchased Pro before February 1, 2025, enjoy a full year of completely fee-free trading. Pro also includes push notifications, user profiles, and on/off-ramp capabilities for users in the Netherlands and UK.
User Experience and Interface
Xaman is widely praised for its intuitive, user-friendly design that makes managing crypto simple and fast. The interface is streamlined for everyday use while providing advanced features for power users. Reviews consistently highlight the smooth operation, clear transaction flows, and confidence-inspiring security measures.
The wallet prevents common mistakes, such as sending directly to Flare Smart Accounts, by offering to open the appropriate xApp instead. Transaction memos and modal contents display as human-readable text, ensuring users always understand what they're signing.
Platform Availability
Xaman is available on both iOS (App Store) and Android (Google Play Store), with full feature parity across platforms. The app is developed and maintained by XRPL Labs, based in the Netherlands, with responsive support available via email.
Why Xaman Stands Out
Xaman differentiates itself from other XRP wallets through several key advantages:
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Ecosystem Integration – Unlike basic wallets that only send and receive, Xaman provides full access to the XRPL ecosystem through xApps.
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Security Without Compromise – The combination of self-custody, optional hardware card integration, and a proven track record of zero breaches makes it one of the safest options for XRP storage.
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Developer Trust – Xaman's libraries and infrastructure power the entire XRPL ecosystem, making it the trusted standard for both users and developers.
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Continuous Innovation – Regular updates address user feedback, fix edge cases, and add new features while maintaining stability.
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Fair Monetization – The 2025 fee restructuring eliminated paywalls and third-party payment dependencies, creating a sustainable model aligned with user interests.
Ideal Use Cases
Xaman excels for users who:
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Hold XRP and XRPL-based assets long-term
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Actively trade on XRPL DEXs or AMMs
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Participate in multiple XRPL projects and need unified access
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Want self-custody without sacrificing convenience
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Need to manage multiple accounts for different purposes
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Value security audits and a proven track record
For those seeking maximum security, combining Xaman with Tangem hardware cards provides near cold-wallet protection with hot-wallet accessibility.
Getting Started
Setting up Xaman is straightforward: download the app from your device's app store, select "Create new account," and follow the on-screen instructions. The wallet generates eight six-digit Secret Numbers using a world-class, audited algorithm—these numbers are displayed only once and then encrypted, ensuring no one else can ever access them.
For existing XRPL account holders, experts recommend creating a new Xaman-generated account and transferring assets rather than importing old keys, as this provides enhanced security benefits and easier troubleshooting if issues arise.
Xaman Wallet represents the gold standard for XRPL self-custody, balancing security, functionality, and ease of use in a way that has made it indispensable to the XRP community.
Follow-ups
Xaman vs. Cold Storage: A security audit of self-custody features, hardware signing, and keys management
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Xaman Fee Tracker: Compare the 0.8% trading fee structure against other XRPL wallets and DEX interfaces
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How does Xaman integrate with the Xahau Network
What are the benefits of using Tangem NFC cards with Xaman
How does Xaman handle account setup and secret recovery