XRP wallet.
Your keys. Native swaps.
XRP is the native asset of the XRP Ledger, a network built for fast payments.
THORWallet is a self-custody XRP wallet for iOS, Android and the web: hold XRP, swap it across chains, and spend it with a card.
XRP
BTCEnter an amount above zero.
For an amount this large the market rate is only a guide. The app shows what each route pays.
That is more than any route can quote. Try a smaller amount.
THORWallet asks its swap routes for a quote and shows them side by side: amount, time, and whether the route is decentralized.
Swap in the web appMarket rate, before fees. Connect your wallet in the app for the exact quote.
Hold XRP your way.
Hold native XRP on your own XRP Ledger address.
- Network fee paid in XRP
- Your own address, starting with r
- The app checks whether the recipient needs a destination tag
What works on XRP in THORWallet
Checked against the released app on 12 November 2026. Figures can change; the app shows the current ones.
Swap XRP across chains.
Move between XRP and other chains from inside your wallet. THORWallet compares its swap routes and settles the real asset on the destination chain.
How swaps work → SecurePut XRP in a vault.
A multi-device vault needs several of your own devices to sign together, for example 2 of 3. No single device holds the whole key.
How vaults work → SpendSpend it anywhere.
Top up the THORWallet Mastercard from your wallet and pay in 175+ countries, or use your Swiss IBAN and SEPA account.1
See the card →XRP wallet, answered.
Is THORWallet a self-custody XRP wallet?
Yes. THORWallet is non-custodial: the keys to your XRP are created on your own device and never leave it. There is no account with us and we cannot move your funds.
Can I swap XRP to other chains without a bridge?
Yes. Swaps run from inside the wallet through cross-chain liquidity networks, and THORWallet compares its routes on every swap. You receive the real asset on the destination chain, with no bridge and no wrapped token.
Can I keep XRP in a multisig vault?
Yes. XRP is supported in multi-device vaults, where several of your own devices sign together, for example 2 of 3. Each device is backed up on its own.
Do I need a destination tag to send XRP?
Only when the recipient asks for one, as most exchanges do. THORWallet checks the recipient address: if it requires a destination tag and the field is empty, the app tells you and does not let you continue.
Why can I not send my whole XRP balance?
The network keeps a small reserve in your own account, so you can send only the balance above it. A new address also needs a first deposit of at least 1 XRP before it is active.
Which devices does THORWallet run on?
iPhone and Android, the web app in any modern browser, and THORWallet Terminal on Mac and Windows.
Guides and answers.
Every major chain. One wallet.
Your XRP. Your keys.
Hold, swap, secure and spend from one self-custody app.
The fine print
- Card and Swiss IBAN availability varies by jurisdiction and verification status. FX markups apply on top of network rates. Limits and fees are indicative.
- Swap fees are variable and may change. Which routes can quote depends on the pair and the amount.
- The THORWallet Card needs a seed wallet. Only USDC on Ethereum reaches the card with no top-up fee. Other assets are converted to USDC first, and the top-up form shows the fee.
- THORWallet is self-custody software. We hold no keys and cannot recover funds for you.