Xaman Wallet || XRPL XRP — Crypto Wallet™: The Definitive Guide

In the world of the XRP Ledger (XRPL), one name stands above the rest for security, versatility, and innovation: Xaman Wallet. Formerly known as Xumm, Xaman has evolved from a "lab concept" into a comprehensive powerhouse for the XRPL and Xahau ecosystems.

As of 2026, Xaman remains the premier self-custodial solution for XRP holders who want to do more than just "HODL." From one-click DeFi yield to seamless NFT management, here is your guide to Getting Started™ with Xaman.

What is Xaman Wallet? (Formerly Xumm)

Xaman is a self-custodial mobile wallet specifically engineered for the XRP Ledger. Unlike exchange-based wallets, Xaman gives you 100% control over your private keys. The 2023 rebranding to Xaman—named after the Maya god of merchants and trade—signified the app's transition into a retail-ready, feature-complete financial tool.

Core Features at a Glance:

  • Native XRPL Support: Full compatibility with XRP, Trust Lines, and issued currencies.
  • xApps Ecosystem: Integrated "mini-apps" that allow you to stake, swap, and vote without leaving the wallet.
  • Multi-Network Connectivity: Seamlessly switch between the XRPL and the Xahau network.
  • Hardware Integration: Support for Xaman (Tangem) Cards for physical, air-gapped signing.
  • DeFi Yield (New for 2026): Direct integration with Flare Network and Doppler Finance for one-click self-custodial yield.

How to Get Started with Xaman Wallet

Setting up your Xaman Wallet is designed to be intuitive, but because it is a self-custody wallet, your security is your responsibility.

1. Download and Install

Download the official Xaman app from the Apple App Store or Google Play Store. Always verify the developer is XRPL Labs to avoid malicious clones.

2. Create Your Account

When you open the app, you will generate a new set of Secret Numbers.

Warning: These numbers are your recovery phrase. Xaman uses a unique rows-and-columns format (e.g., Row 1: 123456) to make it harder for keystroke loggers to steal your backup. Write these down on paper. Never take a screenshot or store them in the cloud.

3. Activate Your Account (The 10 XRP Reserve)

The XRP Ledger requires a one-time "base reserve" to activate a new address. This is a network-level requirement, not a Xaman fee. You will need to send at least 10 XRP to your new address to start transacting.

4. Setting Up Trust Lines

To hold assets other than XRP (like stablecoins or project tokens), you must set a Trust Line. Each Trust Line reserves 2 XRP on the ledger, which is returned to you if you ever close the Trust Line.

The 2026 DeFi Revolution: One-Click Yield

One of the most significant updates in 2026 is Xaman’s partnership with Flare. Users can now access Flare Smart Accounts directly through an xApp. This allows you to:

  • Earn yield on your XRP via FAssets without moving your keys.
  • Interact with DeFi vaults like Upshift’s earnXRP in a single signing flow.
  • Benefit from "Virtual Assets," which show your staked or locked positions directly on your home screen.

Xaman Wallet Security: A Multi-Layered Approach

Xaman is widely regarded as one of the most secure mobile wallets in crypto. Its security stack includes:

  • Keystroke Protection: Defends against malware during the entry of secret numbers.
  • Biometric Locks: FaceID and TouchID integration for every transaction signature.
  • Destination Tag Requirements: Built-in alerts to ensure you never forget a destination tag when sending to an exchange.
  • Offline Resilience: Version 5.0 and above features a Full Fallback Mode, allowing the wallet to function even if the Xaman backend is temporarily offline.

FAQ: Frequently Asked Questions

Is Xaman Wallet free to use? Yes. While the app is free, the XRP Ledger itself requires a 10 XRP activation reserve. Additionally, as of early 2026, the "Xaman Pro" subscription has been sunsetted to ensure premium features like priority support and advanced analytics are available to the entire community for free.

Can I use Xaman for NFTs? Absolutely. Xaman has a dedicated NFT viewer and supports the XLS-20 standard. You can view, send, and accept NFT offers directly from the "Events" or "Assets" tabs.

What happened to Xumm? Xumm was rebranded to Xaman in late 2023. If you still have the Xumm app, simply update it through your app store to transition to the Xaman interface. Your funds and secret numbers remain exactly the same.

The Future of XRP is in Your Hands

Xaman is more than a wallet; it is the portal to a decentralized economy. By combining the speed of the XRPL with the security of self-custody, Xaman empowers you to be your own bank.