XRP wallet

The XRP Ledger makes every account keep a minimum balance, called the reserve. It stood at 1 XRP on 6 November 2026, plus 0.2 XRP for each object an account owns, such as a trust line. The network can change these amounts, so the wallet reads them from the ledger each time you send.

This shapes two things you'll notice. With 50 XRP in an account that owns no objects, Max lets you send about 48.99998 XRP, because 1 XRP has to stay and the fee is 0.00002 XRP. A new address doesn't exist on the ledger until it gets at least 1 XRP, so the wallet refuses a smaller first payment to one, and tells you when your payment will activate an address.

Exchanges often give all their customers one shared address, plus a number called a destination tag that shows whose deposit it is. Without the tag, the exchange can't tell the payment is yours, and getting it credited can take a support ticket. See our guide to memos and destination tags.

• The send screen has a tag field for XRP. It takes a whole number from 0 to 4294967295.
• If the address is marked on the ledger as needing a tag and you leave it out, the wallet refuses the payment.
• Not every exchange sets that mark, so the wallet can't catch every case. Always copy the tag if the exchange shows one.
• A QR code that carries a tag fills the field in, and changing the recipient clears the old tag.
• The review screen shows the tag, or says there isn't one, before you confirm.

A payment goes straight to the network, and we can't stop or reverse it.

Share your r address or its QR code. Your address needs no tag, so leave the tag empty if an exchange's withdrawal form lets you. If this is a new wallet, the first payment has to be at least 1 XRP, and that 1 XRP then stays as your reserve. The XRP coin page has more about the network.

You can swap XRP for coins such as USDT, Bitcoin or Ether inside the wallet, without an account. XRP swaps go through NEAR Intents, which shows its own fee on the route before you confirm. Our fee on a swap between networks is 0.40%, and every XRP swap is between networks. Swapping into XRP from Tron or Solana isn't built yet. All the costs are on the fees page.

Without the wallet, you can use the swap form for XRP to USDT or BTC to XRP.

Anyone with your recovery phrase controls your XRP, so write it on paper and never share it. We'll never ask for it. If you lose it and your phone or browser data is gone too, nobody can bring the wallet back. The Plaxswap Wallet page covers how the phrase is protected and the safety limits you can turn on. The wallet is closed in 7 countries because of sanctions or FATF rules, and the compliance policy lists them.