XUMM Wallet: Comprehensive Review for Crypto Investors

XUMM Wallet (also known as XUMM, now rebranded as Xaman Wallet) is a popular mobile crypto wallet designed specifically for the XRP Ledger (XRPL) ecosystem. It empowers crypto investors with full self-custody of their XRP and XRPL tokens, combining an easy user experience with advanced features of the XRP Ledger. In this in-depth article, we explain what XUMM wallet is, its background, key features, security protocols, supported assets, pros and cons, comparisons with other wallets, practical use cases, and real user feedback – everything a crypto investor needs to know.

What is XUMM Wallet? Background and Overview

XUMM is a non-custodial mobile wallet purpose-built for the XRP Ledger. This means users retain complete control of their digital assets and private keys at all times. The wallet was developed by XRPL Labs, a team led by prominent Ripple developer Wietse Wind, who is known for other XRP projects like XRParrot and XRPTipBot. 

Launched in 2019 with funding support from Ripple’s Xpring (now RippleX) initiative, XUMM quickly became the go-to wallet for XRP holders. In May 2023, the app was rebranded to “Xaman” Wallet, though many in the community still refer to it by the original name XUMM (pronounced “Zoom”).

Over the past few years, XUMM/Xaman has grown a large user base and a strong reputation. The developers boast over 1 million app installs and hundreds of thousands of active users in the XRP community. 

The wallet serves as an all-in-one platform to interact with the XRP Ledger – not only storing and sending XRP, but also handling tokens, decentralized exchanges, and XRPL apps. In short, XUMM Wallet’s mission is to provide XRP investors with “uncompromising security [and] complete control” of their assets while unlocking the “superpowers” of the XRP Ledger in an accessible way.

Key Features and Functionalities

XUMM offers a rich feature set tailored to the needs of XRP Ledger users. Below we break down its key functionalities – from its user-friendly interface to deep blockchain integration – that set it apart from generic crypto wallets.

User Experience and Account Management

Mobile Interface: XUMM is a mobile-only wallet available on iOS and Android, designed for simplicity and convenience. The app features a clean, intuitive interface that makes managing XRP accounts straightforward, even for less technical users. It supports biometric authentication (fingerprint or Face ID) and passcodes to quickly unlock the app, so users can access their wallet securely with ease. Because it’s a dedicated app (not a browser extension), XUMM avoids many security issues of web wallets and provides a smoother user experience on smartphones.

Multiple Accounts: Investors with several XRP addresses will appreciate XUMM’s multi-account management. The wallet allows you to generate new XRPL accounts or import existing ones, and manage them all in one place. Switching between different accounts or wallets is seamless within the app’s interface, which is designed for “maximum flexibility and security” when handling multiple addresses. For example, you might keep one account as a long-term holding wallet and another for active trading – XUMM lets you oversee both without logging in and out repeatedly.

No Desktop Version: It’s important to note that XUMM is exclusively a mobile wallet – there is no PC or web browser version. While this app-only model enhances security (reducing attack surface) and aligns with modern mobile usage, some investors may find the lack of a desktop interface to be a drawback. If you prefer managing crypto on a computer, you’ll need to use XUMM on a mobile device or consider alternative wallets. (In fact, the XUMM interface isn’t optimized for tablets either, so sticking to a smartphone is recommended.) The developers chose this mobile-focused approach deliberately to avoid the vulnerabilities that browser-based wallets face and to deliver a higher standard of security.

Transaction Management and XRPL Integration

Fast, Low-Cost Transactions: As an XRP Ledger wallet, XUMM benefits from the XRPL’s high performance. Transactions settle in about 3–5 seconds and cost only fractions of a penny in network fees. This speed and efficiency make XUMM appealing for active traders and those sending frequent payments. In fact, in 2024 the XUMM (Xaman) wallet processed over $6 billion in payments with a total of only about $510 in transaction fees – averaging out to an incredibly low cost of ~$0.000085 per $1 million transferred. This showcases how using XUMM on XRPL can enable near-free, instantaneous transfers, a major advantage for crypto investors compared to higher-fee networks.

All XRPL Tokens Supported: XUMM isn’t limited to just XRP – it can hold any token issued on the XRP Ledger. The XRPL supports thousands of issued tokens (IOUs, stablecoins, wrapped assets, etc.), and XUMM has full support for over 8,300+ XRPL tokens, including those on the new smart-contract sidechain Xahau. In practice, this means you can manage a diverse portfolio of XRPL-based assets within XUMM: from USD-pegged stablecoins to casino tokens, from NFT tokens to the upcoming Ripple USD (RLUSD) stablecoin. All these tokens live on the XRPL/Xahau, and XUMM provides a unified way to hold and transfer them. For example, excitement over the launch of Ripple’s RLUSD stablecoin and an XRP price rally led to a 250% surge in XUMM’s user activity in late 2024, as investors flocked to the wallet to interact with new XRPL tokens and features.

Built-in DEX and Trading: A standout feature of the XRP Ledger is its decentralized exchange (DEX) built directly into the protocol. XUMM exposes this powerful feature to users in a friendly way. Through the wallet (or via integrated mini-apps), you can trade XRP and tokens peer-to-peer without needing a centralized exchange. Users praise XUMM’s “great built-in DEX” for swapping assets and providing liquidity on the XRPL. For instance, you could exchange XRP for an issued token (or vice versa) right from within XUMM. The interface ensures you authorize each trade securely, and the XRP Ledger’s near-instant settlement means your trades execute in seconds. For active XRP traders or airdrop hunters, this native DEX access is a big advantage over wallets that only support basic send/receive.

Trust Lines & Token Management: Managing tokens on the XRPL involves setting up trust lines (permissions to hold a given token in your account). XUMM simplifies trust line management with in-app tools and warnings, so you can easily add new tokens to your wallet or remove unwanted ones. This is crucial for participating in airdrops or ICOs on the XRPL – XUMM will guide you through establishing the trust line to receive the new tokens, all with a few taps. Advanced users can also configure account settings like default ripple (auto-conversion of currencies) and multisigning through XUMM’s interface, giving fine-grained control over their XRPL account properties.

xApps and Ecosystem Connectivity

One of XUMM’s most powerful capabilities is serving as a gateway to the wider XRPL dApp ecosystem. It achieves this via xApps – third-party mini applications that run inside the XUMM wallet. Think of xApps as plugins or modules that extend what you can do with your XRP wallet beyond the basics. With XUMM, users have a “diverse collection of xApps by 3rd party developers at your fingertips, unleashing even more features of the XRP Ledger”.

These xApps cover a variety of use cases: decentralized exchanges, DeFi platforms, NFT marketplaces, payment services, gaming, identity tools, and more. For example, an xApp might let you participate in an XRP Ledger NFT auction, another xApp can facilitate fiat on/off-ramp conversions via a partner like Uphold’s Topper service, and yet another could be a portfolio tracker for your XRPL tokens. XUMM acts as the container – you can browse and launch these mini-apps within the wallet, and they will securely connect to your XRPL account through XUMM (with you approving all transactions they initiate). This architecture brings tremendous versatility: new features can be added via xApps without requiring a whole new wallet. In 2024, XUMM users interacted with various xApps nearly 8 million times – from tipping apps to DEX interfaces – showing how integral this ecosystem is to the wallet’s appeal.

Importantly, XUMM also enables seamless sign-in and transaction signing for external XRPL services. Many XRP-based web applications offer a “Sign in with XUMM” option, where you simply scan a QR code with your XUMM mobile app to connect your wallet. This eliminates the need for separate browser extensions or manual key handling. According to the official FAQ, users can “easily sign in to XRPL projects and interact with them using XUMM – just scan a QR code and connect securely”. The wallet will then prompt you to approve any transaction requests from that app (e.g. placing a trade, minting an NFT, etc.), keeping you in full control. This function is analogous to how MetaMask connects to Ethereum dApps, but tailored for XRP Ledger projects. Practically every major XRPL platform integrates with XUMM because it’s considered the standard wallet; as the team puts it, “sign in to nearly every project on the XRPL” using XUMM’s mobile or desktop (emulator) app. This tight integration means if you’re exploring the XRP Ledger’s DeFi or Web3 scene, having XUMM installed is almost a must.

Security Measures and Protocols

Security is a critical aspect of any crypto wallet, and XUMM Wallet places heavy emphasis on protecting users’ assets. It is often cited as “the best XRP wallet for security & control”, with a track record of zero security breaches in over five years of operation. Below are the key security measures and protocols that XUMM employs:

Self-Custody and Key Storage: XUMM is a self-custody wallet, meaning you alone hold the private keys to your XRP accounts. The wallet generates or imports your key and stores it locally on your device (secured by the mobile OS). Your funds themselves reside on the XRP Ledger blockchain, and XUMM never has access to move them without your approval. The app ensures “your private keys are kept safely on your device, giving you direct ownership and control”. Because no third party ever holds your keys, the risk of a centralized hack or company failure affecting your assets is eliminated. However, this also means you are responsible for backing up your secret and keeping your device secure – if you lose your keys or phone without a backup, there is no way to recover the funds (a standard caution for all non-custodial wallets).

App Lock and Authentication: The XUMM app itself is protected by multiple layers. Upon setup, you must create a 6-digit PIN (passcode) which is required to open the app or approve transactions. Additionally, you can enable biometric locks (fingerprint or face recognition), so that only your biometrics can unlock the wallet for use. Every transaction must be manually signed by you within the app – usually by entering the PIN or using your fingerprint to authorize. This ensures that even if someone has your phone, they cannot send funds without the PIN/biometric. XUMM’s philosophy is that “only you can approve and sign what matters”, emphasizing user authorization for every action.

Encryption and Secure Environment: All sensitive data in XUMM is encrypted. The app uses strong encryption for data-at-rest (stored on your phone) and encrypts all communications with XRPL servers. The developers implemented significant upgrades to the encryption scheme in version 2.4.0 to further harden the wallet. The mobile-only approach avoids the browser extension vector (which can be prone to phishing). XUMM runs within the secure sandbox of your smartphone’s operating system, leveraging the phone’s built-in security (like the Secure Enclave on iOS or keystore on Android) to store keys. In short, the wallet provides “advanced encryption [and] passcode protection” to keep your assets safe.

Audited Codebase: To reinforce trust, XUMM’s code and security architecture have undergone independent audits. In 2021, XRPL Labs engaged security firm Cossack Labs to perform a thorough security audit of XUMM. The result was very positive – the auditors noted the “solid security-oriented engineering effort” by the team and found no exploitable vulnerabilities in the app. The audit did yield some insights which the developers used to further improve security (for example, enhancing encryption and adding more robust checks). The XUMM team has been transparent about this process, publishing an “Don’t Trust, Verify” report detailing the audit outcomes and subsequent security upgrades. This proactive auditing and improvement cycle gives investors additional peace of mind that the wallet’s security claims are not just marketing – they’ve been verified by third-party experts.

Multisignature Support: For investors desiring an extra layer of protection, XUMM supports XRPL’s multisignature feature. XRPL accounts can be configured such that multiple signatures (from different keys/accounts) are required to approve a transaction. XUMM fully recognizes and allows such arrangements, significantly enhancing security for high-value wallets. According to one review, “Multisignature support [in XUMM] allows you to set up multiple layers of protection for transactions”, making it much harder for a single compromised key to result in loss. Setting up multisig requires some technical steps (using the XUMM or XRPL tools to designate signers), but once in place, XUMM will enforce that a transaction has the requisite signatures before submission.

Hardware Wallet Integration (Tangem Cards): To approach the security of cold storage, XUMM introduced integration with Tangem hardware cards. A Tangem card is a physical smart card (credit-card sized) with an embedded secure chip that can store an XRP Ledger private key. XUMM can pair with Tangem cards via NFC, essentially turning the card into a hardware wallet for your XUMM account. When enabled, your private key lives on the Tangem card and never leaves it; XUMM will prompt you to tap the card on your phone to sign transactions. This gives “the best of both worlds: XUMM’s usability with Tangem’s NFC hardware wallet support”. The card requires physical presence to sign, preventing any remote attacker from moving your funds. Many in the community consider XUMM Tangem cards the safest way to store XRP long-term, since they involve no firmware updates and are immune to remote hacking. XUMM’s developers promote Tangem as “ultimate security…with an embedded chip storing your private key, full self-custody and control”. Investors can purchase Tangem cards (around $16 each) directly through the app, or even receive one for free with an annual Xaman Pro subscription (more on that shortly). Using a Tangem card effectively turns your XUMM into a hybrid hot/cold wallet – everyday viewing access via the app, but cryptographic signing requires the physical card.

Track Record and Community Trust: Since its launch, XUMM has had no major security incidents or breaches reported. The wallet’s core components are open-source or have open-source SDKs, allowing community scrutiny. It also undergoes frequent updates to patch any issues promptly. XUMM has earned the trust of the XRP community; many users treat it as the de facto “official” XRP wallet. As one user testimonial notes, “I trust [XUMM] more than competitors, even hardware wallet competitors”. Another user quipped that “XUMM is more secure by far – add a Tangem card and it’s bank-grade security”, highlighting the confidence in its protection (and the popularity of pairing with Tangem). Of course, no wallet is invulnerable – users must still practice good security hygiene (updating the app, securing their phone, not falling for phishing). But overall, XUMM’s multi-pronged security model – biometric locks, encryption, audits, optional multisig and hardware support – makes it one of the most robust software wallets in the crypto space.

Supported Cryptocurrencies and Tokens

Ecosystem Focus: XUMM is specialized for the XRP Ledger and its related networks. It natively supports XRP (the native currency of XRPL) and essentially all tokens issued on the XRPL. This includes issued IOU tokens (like USD stablecoins, EUR, etc. from various gateways), utility tokens of XRPL projects, wrapped assets, and the newer XRP Ledger NFT tokens (XLS-20 standard). Additionally, XUMM supports assets on Xahau, which is a smart-contract sidechain of the XRPL. In practical terms, if a token exists on XRPL or Xahau, you can custody and manage it with XUMM. The wallet can handle a huge variety of tokens – over 8,300 tokens are supported as of 2023, giving XRP investors broad exposure to the ecosystem’s assets.

Not a Multi-Chain Wallet: It’s important to clarify that XUMM does not support other blockchains like Bitcoin or Ethereum. Unlike multi-currency wallets (e.g. Trust Wallet or Exodus) that let you hold BTC, ETH, BNB, etc., XUMM’s scope is limited to XRP Ledger networks. The developers confirm in the FAQ that “XUMM exclusively supports all of the tokens issued on the XRP Ledger and the Xahau Network” – it does not support native BTC, ETH or other unrelated cryptocurrencies. This specialization is by design; XUMM is meant to excel in one ecosystem rather than be a jack-of-all-trades. For crypto investors, this has pros and cons. The obvious downside is if you hold assets outside the XRPL, you’ll need additional wallets. You cannot, for example, store your Bitcoin or ERC-20 tokens in XUMM. However, the upside is that XUMM can deeply integrate with XRPL features in a way general wallets can’t. As one review put it, while XUMM “supports many cryptocurrencies” (meaning XRPL-issued ones), “you won’t be able to find major coins like BTC or ETH” in it. Thus, XUMM is ideal if your portfolio is XRP-centric, but it is not a one-stop solution for all your crypto holdings.

XRP Ledger Tokens & NFTs: Within its domain, XUMM provides comprehensive support. You can add trust lines to hold various issued currencies (USD, EUR, JPY stablecoins, etc.), participate in new token launches/airdrops by adding tokens, and even view and send XRPL NFTs. The wallet added support for viewing NFTs (images, collectibles) minted on the XRP Ledger’s NFT standard, typically through xApps or updates after XLS-20 went live. It also supports signing transactions for Minting or trading NFTs on XRPL marketplaces. Essentially, if the XRPL can do it, XUMM will likely support it – be it issuing IOUs, creating escrows, signing Payment Channel claims, or any advanced XRPL transaction type.

Xahau Network Support: With the advent of Xahau (an XRPL fork that introduces smart contract Hooks), XUMM has extended support there as well. Users can activate a Xahau account through XUMM and interact with Xahau’s features. This means if you hold XAH (Xahau’s native token) or tokens on Xahau, XUMM will manage those alongside your XRPL assets. Notably, XUMM enables access to smart contract functionality via Hooks on Xahau. For example, automated DeFi actions using Hooks can be controlled through XUMM on Xahau. This cross-network capability ensures that XUMM remains relevant as the XRPL ecosystem expands into sidechains and Layer-2s. (Still, Xahau is closely tied to XRPL – XUMM won’t be adding support for completely unrelated chains).

Bottom Line – Supported Assets: To summarize, XUMM supports: XRP, all XRPL-issued tokens (including wrapped assets and stablecoins), XRPL NFTs, and Xahau network tokens/contracts. Not supported: BTC, ETH, ERC-20s on Ethereum, BSC tokens, or any coins on other independent blockchains. For those, you’d need a different wallet solution. This focus means XUMM is the wallet for XRP Ledger enthusiasts, but a complementary wallet is necessary for a diversified crypto portfolio beyond XRP. Many investors use XUMM for XRP and XRPL tokens while using a hardware wallet or multi-coin wallet for their Bitcoin/Ethereum holdings. As an XRP investor, you’ll likely find XUMM’s XRPL support unparalleled – for instance, popular multi-coin wallets often cannot connect to XRPL dApps or handle trust lines, whereas XUMM shines in those areas.

Pros and Cons of XUMM Wallet

Every crypto wallet has its strengths and weaknesses. Below we outline the major pros and cons of XUMM (XUMM) wallet from a crypto investor’s perspective:

Pros

• Strong Security & Control: XUMM is non-custodial and highly secure. Users hold their own keys, protected by PIN/biometric locks and device encryption. It supports multisig and even hardware card integration for maximum security. The codebase has been independently audited with no vulnerabilities found. In short, you maintain full control of your assets (“your keys, your crypto” ethos) with multiple safeguards in place.
  
• Deep XRP Ledger Functionality: The wallet offers full XRPL feature support, including the built-in DEX for token swaps, trust line management for new tokens/airdrops, escrow creation, payment channels, and more. It essentially unlocks all the “superpowers” of the XRP Ledger for the user. This makes it ideal for investors who want to do more than just hold XRP – you can trade, invest in XRPL tokens, use dApps, and truly utilize the network’s capabilities. By contrast, generic wallets or exchanges often only let you send/receive XRP without XRPL DEX or dApp access.
  
• Fast and Low-Cost Transactions: Because it runs on the XRP Ledger, XUMM transactions are extremely fast and cheap. Payments settle in ~4 seconds and network fees are typically $0.0002 per transaction. This efficiency is a huge advantage for active users – you can move funds or execute trades almost instantly, and micro-transactions are practical. For example, moving $10,000,000 through XUMM/XRP might cost less than $1 in total fees, whereas doing the same on Bitcoin or Ethereum could cost hundreds of dollars in fees.
  
• Excellent XRPL Ecosystem Integration: XUMM is widely supported by the XRP community and ecosystem. Nearly every XRPL project or platform has built-in compatibility with XUMM for authentication and transaction signing. The wallet also provides xApps (integrated dApps) to easily access services like on/off ramps, DeFi protocols, and NFT marketplaces. This means as an XRP investor, you can manage all your activities (trading, staking, airdrops, etc.) from within one app. The convenience and connectivity are top-notch – no copy-pasting addresses between sites or using multiple tools.
  
• User-Friendly & Feature Rich: Despite its advanced capabilities, XUMM remains relatively easy to use. The mobile app interface is clean and geared towards a good user experience. It supports multiple languages thanks to community translations. New users are guided through setting up their first account and backup. The app also offers nice touches like push notifications (optional) for incoming transactions, a home screen view of balances, and in-app tutorials (“explanation screens”) for complex features. It’s a feature-rich wallet (with things like contact lists, transaction memos, etc.) yet it keeps the complexity under the hood until you need it.
  
• Active Development and Support: XUMM is developed by XRPL Labs, a reputable and active development team that is funded and focused on this product. They have been continually updating the app with new features (XUMM Pro, Xahau support, NFTs, etc.) and security improvements. The wallet has an in-app Help Center and the team is known to provide responsive support. Many users have praised the dev team’s engagement – “customer support is excellent – they respond super fast” according to one long-time user. Having an engaged team means bugs get fixed quickly and new innovations (like Hooks smart contracts) are integrated promptly, which is a big plus for investors who plan to use the wallet long-term.
  
• Community Trust and Testimonials: XUMM has earned strong trust in the XRP community. Users often recommend it as the best wallet for XRP. Testimonials highlight its reliability and continuous improvement: “XUMM Wallet is the best… Wietse and his team are unmatched in delivering everything you could want from a wallet,” says one early adopter. Others call it their “number one choice for keeping coins safe”. This community endorsement is an important pro – it indicates the wallet has been battle-tested by many and found dependable.
  
• Tangem Card & Pro Perks: For those who upgrade to Xaman Pro (the premium subscription), additional perks sweeten the deal. Pro users (≈ €50/year or ~$60) currently receive a free Tangem hardware card for secure key storage, along with benefits like exclusive xApps, priority support, and possibly fee waivers or higher usage limits. Even without Pro, the wallet’s basic features are free for most users (see Cons for more on usage fees). Nonetheless, it’s a pro that heavy users have an option to get more value and even a hardware wallet included by supporting the developers via a subscription.
  

Cons

• Limited to XRPL Ecosystem: The flip side of XUMM’s specialization is that it does not support non-XRP cryptocurrencies. If you need to store Bitcoin, Ethereum, or other major coins, you’ll have to use a different wallet. This can be less convenient for investors with diverse holdings. For example, Trust Wallet or Ledger Live allow multi-coin storage, whereas XUMM is only for XRP and XRPL tokens. So as an investor, you’ll manage more than one app if you hold assets on other chains.
  
• Mobile-Only (No Desktop): XUMM lacks a desktop or web interface, which some users count as a negative. You cannot access your wallet from a PC, which might inconvenience those who prefer a big-screen experience or who don’t want important operations tied to a phone. The wallet also isn’t optimized for tablets/iPads. While the mobile focus enhances security, it means if your phone battery dies or you lose your phone, you’ll need your recovery info to restore on another mobile device (there’s no desktop fallback). Some competing wallets offer multi-platform support, giving more flexibility.
  
• Learning Curve for Newcomers: For completely new XRP users, XUMM can present a mild learning curve due to XRP Ledger-specific concepts. The idea of trust lines, destination tags, reserves (the 10 XRP minimum reserve), and using DEX or xApps might overwhelm beginners initially. Fully utilizing the wallet’s features “requires more technical skills and understanding of the XRP Ledger” compared to a simple Bitcoin wallet. The app does try to educate (with pop-up tips and confirmations), but a newcomer might accidentally create multiple accounts or wonder why they can’t withdraw the last 10 XRP (due to reserve) if they aren’t aware. That said, XUMM’s support resources and community can help flatten the curve, and basic sending of XRP is straightforward. It’s mainly the advanced XRPL operations that require some learning.
  
• No Direct Support for Non-XRPL dApps: XUMM’s dApp integration is superb for XRPL projects, but it cannot directly interface with dApps on other chains (since it doesn’t hold keys for those). For instance, you cannot use XUMM to connect to Ethereum DeFi or Solana apps. This is an obvious point but worth noting – XUMM won’t replace MetaMask for Ethereum or Phantom for Solana. Investors involved in multi-chain DeFi will still rely on chain-specific wallets for those networks.
  
• Hot Wallet Risks: XUMM is fundamentally a hot wallet, meaning your private keys (unless using Tangem) are stored on an internet-connected device. While it’s very secure for a hot wallet, it can never be 100% as secure as true cold storage completely offline. The convenience of having funds accessible on your phone comes with the inherent risk that malware or device compromise could target the wallet. There have been no known exploits of XUMM itself, but users should be mindful (e.g. avoid installing untrusted apps on the same phone, etc.). By contrast, a hardware wallet or paper wallet, being offline, eliminates many attack vectors. Some security-conscious investors may prefer keeping large holdings in cold storage and using XUMM for smaller, active balances. In any case, being a hot wallet is a universal con (not unique to XUMM) that just means one must remain vigilant.
  
• Heavy Usage May Incur Fees: XUMM introduced a new freemium model in its 3.0 update. The wallet is free to download and normal usage is free (apart from XRPL network fees), but very active users who exceed certain thresholds may be prompted to pay a nominal fee or subscribe to Xaman Pro. The threshold might relate to the number of API calls, transactions, or volume (for example, one source indicated free tier covers up to $1000 in trading volume per month) before requiring a contribution. This change was somewhat controversial. Casual users sending a few transactions won’t be affected, but power users who trade many tokens or use lots of xApps could hit the limit. Some community members felt blindsided by having to “make a payment to XUMM to open xApps or sign requests” after an update. While the developers explained that only very active wallets are asked to pay (to help fund development), the unclear threshold and fear of a paywall upset a few users. One user likened it to having to “pay to have access to the XRPL”, calling the implementation “wrong”. In response to feedback, XRPL Labs adjusted the model – as of early 2025, the fee structure was simplified and the “paywall” for heavy usage removed or eased for many, opting instead for a small per-transaction fee above certain limits. Still, the incident is a reminder that XUMM (like any app) may introduce premium features or usage fees over time. For the average investor, this likely won’t impact normal use, but highly active traders should keep an eye on XUMM’s service terms. On the positive side, the Xaman Pro subscription (≈$5/month) can be seen as offering value (free Tangem card, etc.) in exchange for supporting the wallet’s development.
  
• Reserve Requirement (XRPL Quirk): This is not a con of XUMM per se, but an XRPL rule that affects all XRPL wallets: to activate a new XRP account, a 10 XRP minimum reserve is required (which remains locked in the account). So if you create a new wallet in XUMM, you’ll need to deposit at least 10 XRP to activate it, and you can’t spend that reserve amount unless you delete the account. Some new users find this confusing or annoying, especially if XRP is at a high price. Again, this applies to any XRP wallet, not just XUMM. XUMM does inform users of this requirement, but it’s worth noting as a quirk that some might consider a “con” of using XRP wallets in general.
  

In summary, XUMM’s pros – top-notch security, rich XRPL features, speed, and community trust – make it an excellent wallet for those invested in the XRP ecosystem. The cons to be mindful of are its single-ecosystem scope, mobile-only access, and the need for users to take responsibility as with any self-custody solution. Most users find that the pros far outweigh the cons, which is why XUMM is so highly rated in the XRP community.

Comparison with Other Popular Crypto Wallets

How does XUMM Wallet stack up against other types of crypto wallets in the market? Here we compare it in a few key areas:

➤ Versus Multi-Currency Wallets (Trust Wallet, Exodus, etc.): Traditional multi-currency wallets support dozens of blockchains in one app, which is convenient for holding a varied portfolio. However, these wallets often offer only basic send/receive functionality for XRP and do not integrate with XRPL-specific features. For example, you could store XRP in Trust Wallet, but you cannot use Trust Wallet to connect to XRPL dApps, manage trust lines, or trade on the XRPL DEX. As DailyCoin notes, “log into your Atomic Wallet or Binance account and try to connect to a dApp on the XRP Ledger” – it won’t work. By contrast, XUMM is built to actually utilize the XRPL, giving you full authority and self-custody with dApp connectivity. If your goal is just to hold XRP alongside other coins and you never intend to use XRPL features, a multi-coin wallet or hardware wallet could suffice (and avoids the 10 XRP reserve for multiple accounts). But if you want to do more with your XRP (stake, trade, explore tokens), then XUMM offers a far superior experience. In short, multi-asset wallets win on convenience for diverse holdings, whereas XUMM wins on XRP functionality. Many investors use them in tandem: e.g. hardware wallet for BTC/ETH and XUMM for active XRP usage.

➤ Versus Hardware Wallets (Ledger Nano, Trezor): Hardware wallets are considered the gold standard for security, as your private keys stay offline on a physical device. Devices like the Ledger Nano do support XRP, and you can even connect them to certain XRP interfaces (for example, XRPL Labs provides a web interface to use Ledger devices with XRPL). For long-term holders with significant amounts, a hardware wallet provides unparalleled safety from online attacks. However, hardware wallets have limited functionality when it comes to engaging with dApps or advanced features – they often require using third-party tools, and the process can be cumbersome. As one discussion pointed out, while a Ledger can store XRP, it “doesn’t integrate with XRPL dApps and products”. XUMM, being a hot wallet, is more vulnerable than a cold device, but it delivers ease of use and direct integration that hardware wallets lack. Notably, the XUMM team has tried to bridge this gap by supporting the Tangem cards, effectively creating a mini hardware wallet experience for XRPL that’s tightly integrated with the app. Still, if your main priority is maximum security and you don’t need on-the-go access, hardware wallets remain the safest choice (just with fewer bells and whistles). In fact, some advanced users will keep their XRP on a Ledger for cold storage, and use XUMM for a smaller “hot” wallet for daily interaction – this strategy can offer both safety and convenience. To sum up: Ledger/Trezor vs XUMM – Ledger is safer offline storage, XUMM is more feature-rich and convenient online. The best choice depends on whether you prioritize absolute security or active usage. (Many would argue an ideal setup is to use both: store the bulk of XRP on a hardware wallet, and keep a spending/all-purpose amount on XUMM.)

➤ Versus Other XRP-Specific Wallets: XUMM is not the only wallet for XRP Ledger, but it is the most prominent. Alternatives include GateHub, XRP Toolkit (web interface), Solar/Bifrost Wallet, Uphold, and others. Here’s how XUMM compares:

• GateHub: An older platform (around since 2015) that acts as both a web wallet and exchange for XRP. GateHub allows multi-asset storage and even fiat wallets, with an integrated trading UI. However, GateHub is a custodial or semi-custodial service (you can hold your keys, but many use GateHub’s hosted accounts) and being web-based, it has had security incidents (GateHub was hacked in 2019 affecting some accounts). XUMM, being non-custodial and mobile, provides stronger self-custody. GateHub might appeal to those who want a web interface and an all-in-one account with fiat on-ramp, but for pure self-custody and security, XUMM is preferable. Also, XUMM is free, whereas GateHub has some fees for certain services.
  
• Solar/Bifrost (by Towo Labs): These are newer multi-network wallets that include XRPL support. Bifrost, for example, supports XRP and Ethereum in one app and even runs XRPL infrastructure like servers. They are non-custodial and mobile as well. The difference is that XUMM is laser-focused on XRPL, whereas Bifrost tries to cover multiple chains. If you need one app for XRP and, say, Tezos or Solana, a multi-chain wallet like Bifrost might be considered. But XUMM arguably provides a richer XRPL experience (Bifrost doesn’t have the xApps ecosystem or as deep integration).
  
• Uphold: Uphold is an exchange/wallet hybrid that many use to buy XRP (especially when XRP was delisted elsewhere). It’s custodial – you don’t hold your keys – and it’s not an XRPL wallet for dApps. It’s fine for buying or a quick transfer, but keeping large amounts on a centralized platform is risky (as one user noted, holding on any exchange means you don’t have true control). XUMM, being self-custodial, is safer for long-term storage than an exchange wallet like Uphold or Binance.
  
• Other Mobile XRPL Wallets: There are a few others (e.g. Trust Wallet supports XRP, Sologenic’s SOLO wallet for their DEX, etc.) but none are as comprehensive as XUMM. The Sologenic Wallet is focused on Sologenic’s decentralized exchange and token, and while it gives access to some XRPL tokens (SOLO, CORE), it’s more limited in scope. In fact, many SOLO users still use XUMM for general XRPL interactions and just use SOLO wallet for that specific platform.
  

In community rankings, XUMM is typically considered the #1 XRP wallet for active use. For instance, an FAQ on DailyCoin concludes: “If you want to participate in the Ripple ecosystem and use the XRPL, the Xumm wallet offers the best user experience.” whereas for simply holding long-term offline, a Ledger is recommended. This sentiment captures the consensus: XUMM is unbeatable for XRP Ledger functionality, while other solutions have their own niches (security, multi-asset, etc.).

Bottom Line: Crypto investors who primarily hold XRP will likely find XUMM to be an indispensable tool – either as their main wallet or in combination with a hardware wallet. Compared to general wallets, XUMM gives much more utility for XRP. Compared to pure cold storage, XUMM gives convenience and functionality at a slight trade-off in security. And compared to other XRP wallets, XUMM’s active development and rich feature set have set it apart as the community’s wallet of choice.

Use Cases and Practical Benefits

Who can benefit from XUMM wallet, and how might crypto investors use it in practice? Here are several common use cases illustrating XUMM’s practical benefits:

• Secure Long-Term Storage of XRP: If you’re an investor holding XRP for the long haul, XUMM serves as a secure vault outside of exchanges. By moving your XRP into XUMM, you gain full custody (no exchange can freeze or lose your funds) and you reduce reliance on third parties. XUMM is often recommended to those who purchase XRP on an exchange – you can withdraw to XUMM to keep your coins safe under your own keys. With features like Tangem card support, you can achieve a cold-storage level of security while still being able to view your balance on your phone. Many investors simply use XUMM as a “cold wallet” for XRP – one user even said “if you hold XRP, this is your go-to cold wallet”. It provides peace of mind that your XRP is in your control, protected by XUMM’s security measures, rather than sitting on an exchange that could be hacked or insolvent.
  
• Active Trading and XRP DeFi: For more active traders, XUMM unlocks the ability to trade and swap assets on the XRP Ledger without centralized intermediaries. Through XUMM’s interface or integrated xApps, you can place orders on the XRPL DEX (trading XRP against issued tokens or even token-to-token pairs). This is useful for arbitrage opportunities, accessing new markets, or swapping into stablecoins. The wallet’s speed and low fees make it feasible to do many small trades quickly. Additionally, as XRP Ledger DeFi evolves (with Hooks smart contracts on Xahau, for example), XUMM will be the tool to interact with those protocols – whether it’s lending, automated market-making, or yield farming on XRPL sidechains. Essentially, XUMM is your gateway to XRP-based DeFi. An example of benefit: an investor could use XUMM to provide liquidity on the XRPL DEX for an issued stablecoin and earn fees, something not possible if their XRP were on a standard exchange wallet.
  
• Participating in Airdrops and New Token Launches: The XRP Ledger community often has airdrops and new token projects that reward XRP holders or require setting a trust line to receive tokens. XUMM makes it very straightforward to get involved in these. When an airdrop is announced (for example, the famous Sologenic/CORE airdrops or others), XUMM users can quickly add the trust line for that token via a few taps or a QR scan. The wallet even has an xApp called “XRP Toolkit” that helps manage airdrops and token distribution events safely. Many users keep XUMM specifically to not miss out on these airdrops and NFT drops. One user review highlighted that XUMM provides “lots of airdrops and access to the decentralized exchange” as a key benefit. For an investor, this means you can capitalize on free value – e.g., holding XRP in XUMM might make you eligible for an incoming token, and you’ll easily claim it through the wallet. By contrast, if your XRP were on a custodial exchange, you might miss those opportunities or have to jump through hoops.
  
• Cross-Border Payments and Remittances: XRP’s original use case was efficient cross-border payments. With XUMM, individuals can actually leverage XRP for fast, low-cost transfers globally. For example, if you need to send money overseas, you could convert cash to XRP, send XRP via XUMM to your recipient (in seconds, with ~$0.001 fee), and they can convert out to local currency. Some fintech apps integrate XUMM for this purpose. The benefit here is saving enormously on fees and time compared to traditional remittance (or even compared to Bitcoin, which is slower and costlier). The previously mentioned stat – $6B transferred for $510 fees – underscores how powerful XRP + XUMM can be for payments. Even for domestic transfers or moving funds between your own accounts, XUMM provides a near-instant settlement network. Investors who need to rebalance assets between exchanges or wallets can move XRP via XUMM as a quick intermediary (especially since XRP liquidity is high, one can swap into XRP, move it, then swap out at the destination).
  
• Everyday Spending and Payments: With the advent of crypto payments, some users employ XUMM as a daily payment wallet for expenses. The XRP Ledger’s fast transactions allow point-of-sale usage. While merchant adoption of XRP is still growing, there are instances of people paying for services via XRP. XUMM can scan QR codes to pay invoices (through Payburner or other XRP payment apps) or even be connected to crypto cards. Additionally, XUMM supports an EVM sidechain (in development) which could one day allow spending XRP through EVM-compatible dApps. Another example: micro-payments or tips – XUMM’s integration with XRPL Tip Bot functionality (the successor of the old XRP Tip Bot) means you can easily tip content creators in XRP by scanning a code. In short, for those who want to use XRP as a currency, XUMM is a handy wallet to carry in your pocket. It’s analogous to using a mobile banking app or Apple Pay, but for crypto.
  
• “Sign In with XUMM” for Web3 Identity: Beyond financial transactions, owning a XUMM wallet lets you establish an identity in the XRP Ledger’s budding Web3 space. Many XRPL websites, forums, and apps let you log in via your XUMM wallet (proving ownership of an XRPL account). This can serve as a decentralized identity. For example, the XRPL NFT marketplace xMart might allow XUMM login so that your purchases, profiles, etc., are tied to your XRPL address. It’s a user-friendly yet secure way to authenticate. If you’re a developer or user of XRPL services, XUMM is practically essential to seamlessly connect – scanning a QR is much simpler and safer than copying private keys around. This single-sign-on for crypto use case is a bit technical, but it’s increasingly relevant as more applications adopt “Sign with XUMM”. The benefit is convenience and security: you use one trusted wallet to access various services, reducing the need for separate accounts or risky password logins.
  
• Portfolio Tracking and Account Management: Some investors use XUMM as a read-only portfolio tracker for their XRP holdings. Even if you keep XRP in cold storage or on a Ledger, you can import your address into XUMM (without the secret key, as a watch-only account) to monitor balances and transactions. XUMM will display your token holdings, XRP value, and you can get a quick overview of your XRPL portfolio performance. It’s not as fancy as Blockfolio or specialized trackers, but it’s useful for XRPL assets. Additionally, with multiple accounts feature, an investor can oversee a family’s or business’s various XRP wallets in one interface.
  
• Developer and Testing Use: For developers building on XRPL, XUMM is a vital tool to test how users will interact with your app. You can generate testnet accounts on XUMM, experiment with sending transactions through QR requests, and integrate your project’s “Sign in with XUMM” flow. XRPL Labs even provides a Devnet sandbox within XUMM for this. So if you’re investing in the XRPL ecosystem by building a project, XUMM serves as the reference wallet to design against. This might not apply to all investors, but it’s worth noting how central XUMM is from a development perspective – it’s the backbone of XRPL development, as the team says, powering libraries and providing tools for devs.
  

Overall, XUMM Wallet’s practical benefits boil down to empowering the user: whether you want to securely store value, transact efficiently, or engage with the latest opportunities on the XRPL, XUMM provides the means to do so with confidence. Its versatility is a big part of its appeal – it’s equally useful to a passive HODLer wanting security as it is to an active trader seeking utility.

To illustrate the all-in-one nature, consider this scenario: an XRP investor hears about a new token launching on XRPL with an airdrop, wants to trade some XRP for it, and might later use that token in a DeFi app. With XUMM, they can receive the airdrop, trade on the DEX, and connect to the DeFi app – all using one wallet. Without XUMM, they might need to juggle an exchange (for trading), plus some custom tool for the airdrop, plus maybe a separate wallet for the DeFi app. XUMM simplifies these steps and keeps the user in control throughout.

User Reviews and Community Feedback

XUMM (Xaman) Wallet has generally received very positive feedback from the crypto community, especially among XRP users. It currently holds a 4.7-star rating on Google Play with over 7,000 reviews, reflecting a high level of user satisfaction. 

Xaman wallet app on Google Play (Source: Google Play)

Here we summarize the common themes in user reviews, including praise and criticisms:

Positive Feedback Highlights:

• Security & Trust: Many users express that they trust XUMM with their XRP more than any other wallet. The reputation of XRPL Labs and Wietse Wind adds to confidence. One Redditor noted “The creator has established a great reputation and is publicly praised by Ripple”, which reassures users that the wallet is in good hands. The fact that there have been no security incidents is frequently mentioned. Users often cite features like Tangem card support and biometric locks as reasons they feel safe storing significant XRP in XUMM.
  
• Ease of Use: Despite XRPL’s complexity, users find XUMM easy to navigate for day-to-day use. On app stores, reviews mention the app is “easy to access [and] very secure”. The process of sending transactions and scanning QR codes is described as straightforward. Even setting up the wallet is smooth, guided by the in-app prompts. For less tech-savvy XRP holders, XUMM appears friendly enough to manage (after initial setup). The clean interface and lack of unnecessary clutter is a plus.
  
• Feature-Rich / “All-in-One”: Power users love that XUMM combines so many capabilities. They highlight airdrops, DEX access, and fiat on/off ramps as big advantages. A reviewer on Reddit stated: “I love the XUMM wallet… lots of airdrops and access to the decentralized exchange. Fiat on and off ramp also.”. Having these integrated means they don’t need multiple apps. Users also mention xApps as a great concept – the ability to add functionality over time has been well-received (for example, when XUMM introduced NFT viewing through xApps, it got positive buzz).
  
• Support and Community: The wallet’s developers are quite engaged with the community on Twitter and Discord. This has translated into users feeling “heard” when they have issues. For instance, some reviews praise the “excellent customer support” responsiveness. The community around XUMM is also helpful; there are active forums (like r/XRP on Reddit) where fellow users assist with questions about XUMM. Overall, the vibe is that XUMM is community-driven, which resonates well in crypto.
  
• Reliability: Several long-term users comment that XUMM has been “running smoothly for years” with no problems. They appreciate the consistent updates that improve functionality. The wallet doesn’t crash, transactions go through, and it simply works as intended – not all crypto apps can claim this stability. This reliability has made it a go-to recommendation for newcomers to XRP; existing users are confident newcomers will have a good experience.
  

Negative Feedback and Criticisms:

• Premium Subscription Rollout: The most notable wave of criticism came around the introduction of Xaman Pro fees and usage limits. Some users were caught off guard by messages in the app asking for payment after exceeding a usage threshold. A few 1-star reviews popped up complaining that XUMM “started charging fees… and came up with rules that prevented innovation and scared people”. On Reddit, users voiced frustration about unclear limits: “there is no clarity at what point the charge comes or which activity might trigger it”. XRPL Labs addressed this by clarifying the policy and simplifying the fee structure (even removing certain fees). Since then, sentiment has improved, but a bit of trust was bruised for those users. One Play Store reviewer said it “will take a lot for me to trust them again” but acknowledged the fee structure was changed for the better. This indicates the team’s responsiveness, but also highlights the importance of transparent communication with users when monetization changes occur.

• User Interface Minor Gripes: A few users have nitpicked certain UI aspects. For example, one review complained that XUMM “doesn’t even provide the basics such as the dollar value next to the crypto amount”. (In XUMM’s earlier versions, the app didn’t always show a fiat conversion of your XRP balance on the main screen – you had to use an xApp or view it elsewhere. Newer updates have added more fiat display options.) Others wished for a dark mode (which has since been implemented). Overall there’s not a lot of UI criticism; most find it simple, but power users sometimes ask for more customization or analytics within the app.
  
• Learning Curve & Documentation: While XUMM has a Help Center, a few users felt that the app could do more to educate new users on XRPL concepts. If someone is unfamiliar with trust lines or destination tags, they might make mistakes. Some community members have stepped up to create tutorials (there are many YouTube videos on “How to use XUMM wallet”). But as a criticism, it’s been noted that “to fully utilize the wallet’s features, [one] must have more technical understanding”. This is somewhat inherent to XRPL, but it’s feedback nonetheless. The XUMM team’s addition of explanation modals and FAQs in-app is helping to address this over time.
  
• Bugs or Glitches: By and large, XUMM has been bug-free for most. On rare occasions, users have reported a bug (for example, an xApp not loading or a transaction not refreshing in history). The team usually fixes these quickly in updates. There was also that high-profile 10,000 XRP fee “bug” that caused alarm – although it turned out no user actually paid such a fee, it was a UI quirk from a failed transaction that made it look like a huge fee was attempted. Ripple’s CTO David Schwartz stepped in to explain it was a one-off edge case and it got fixed. This incident did cause some stir on social media, with a minority worrying if XUMM had some flaw. But since it was resolved and nothing was lost, it hasn’t impacted overall trust.
  
• Feature Requests: Some “negative” feedback is simply requests for more features: e.g., “When will XUMM support Token X or add functionality Y?” For instance, prior to NFT support, users were asking for that. Now common requests might be things like support for more languages, or a desktop app (which the team has not planned, sticking to app-only). These aren’t really complaints, just user desires indicating they want to do even more with XUMM.
  

Overall Assessment of Feedback: The community consensus is that XUMM (Xaman) is a highly reputable and well-regarded wallet. It has an average Trustpilot score around 3.7/5 (though with very few reviews there) – not really representative due to low sample. More telling is the groundswell of grassroots approval in forums and social media. For example, when newbies ask “Is XUMM the best wallet for XRP?” on Reddit, the majority of responses are strongly in favor of XUMM, often warning against keeping XRP on exchanges and advocating XUMM for safety. Users commonly mention they “love the XUMM wallet” and list its benefits spontaneously, which is a great endorsement.

Of course, no product pleases everyone. A small number of users were put off by the introduction of Pro fees or prefer a hardware wallet-only approach. But XUMM’s ability to iterate and its transparent development have won many back. For instance, one user who gave a low rating due to the paywall later updated it when XUMM removed that structure, showing that the team’s adjustments can quickly restore goodwill.

Community Endorsements: XUMM is often recommended by figures in the XRP community. Even Ripple’s own developers have acknowledged XRPL Labs for their work on XUMM. It’s not an official Ripple product, but it’s closely aligned with the ecosystem’s goals (RippleX has funded it). Many XRP veterans advise newcomers: “get XUMM, it’s the wallet you need”. This kind of peer endorsement is invaluable – XUMM has that in spades.

In summary, user feedback paints XUMM as a reliable, feature-rich wallet that significantly enhances the XRP holding experience. Investors appreciate the security and utility it provides. The few critiques (about fees and features) have largely been addressed or are outweighed by the advantages. As with any software, continued development will be key to maintaining user trust and satisfaction – but given XRPL Labs’ track record, the outlook remains very positive.

Conclusion

The XUMM (XUMM/Xaman) Wallet has established itself as an indispensable tool for XRP Ledger investors and enthusiasts. It offers a rare combination of user-friendly design with powerful functionality, enabling anyone from a casual holder to an active trader to get the most out of the XRPL. With robust security measures, support for thousands of tokens, seamless integration into the XRP ecosystem, and a proven development team, XUMM provides crypto investors with confidence and control over their XRP assets. Whether you’re securing a long-term XRP investment, exploring the latest DeFi apps on XRPL, or simply sending payments globally, XUMM Wallet delivers the features and peace of mind to do so safely. Given the ever-evolving crypto landscape, having a trusted wallet like XUMM – “the best self-custody wallet for unmatched security” as the team proudly states – is crucial for any serious XRP investor.

If you haven’t tried XUMM yet and you hold XRP, it’s worth downloading the app (from the official site or app stores) and experiencing its capabilities firsthand. As always, remember to follow best practices: back up your secret, enable security features, and you’ll be well on your way to harnessing the full potential of the XRP Ledger with XUMM as your secure crypto companion.

Frequently Asked Questions

Is XUMM Wallet safe?

Yes, XUMM Wallet is considered one of the most secure wallets for the XRP Ledger. It is non-custodial, meaning you hold your own private keys. Security features include PIN/biometric authentication, local encryption, hardware card support (Tangem), multisig, and independent security audits. As long as you back up your secret key and secure your device, XUMM offers bank-grade protection for your assets.

Can I use XUMM Wallet on desktop or browser?

No. XUMM Wallet is mobile-only, available for iOS and Android. There is no desktop or browser extension version. This design is intentional for security reasons, as mobile devices have more secure key storage environments compared to web browsers.

What cryptocurrencies can I store in XUMM Wallet?

XUMM supports XRP and any token issued on the XRP Ledger (XRPL) or Xahau Network. It does not support Bitcoin (BTC), Ethereum (ETH), or ERC-20 tokens. If you want to store assets from other blockchains, you’ll need a different wallet in addition to XUMM.

Can I buy or sell crypto directly in XUMM Wallet?

Yes. XUMM offers fiat on/off ramp support through integrated xApps like Uphold’s Topper. You can buy XRP with a credit card in many countries. You can also trade XRP and other XRPL tokens on the built-in decentralized exchange (DEX), directly within the wallet.

What is a “trust line” and why do I need it?

A trust line is a permission to hold a specific token on the XRP Ledger. Before you can receive any XRPL-issued token (like a stablecoin or airdrop), you need to manually add a trust line to your wallet. XUMM makes this easy with guided steps or QR code scans.

Does XUMM support NFTs?

Yes. XUMM supports XRPL NFTs based on the XLS-20 standard. You can view, send, and receive NFTs on the XRP Ledger using XUMM and its integrated xApps. This includes access to XRPL NFT marketplaces, auctions, and galleries.

Are there any fees to use XUMM Wallet?

XUMM is free to download and use for normal usage. You only pay small XRP Ledger network fees (typically less than a cent). However, very active users (e.g., high transaction volumes or API usage) may encounter soft usage limits or be encouraged to upgrade to Xaman Pro. Pro users also get benefits like a free Tangem card and priority support.

What is Xaman Pro?

Xaman Pro is the paid subscription tier of XUMM Wallet. It includes perks like:

• Free Tangem hardware card
  
• Access to exclusive xApps
  
• Increased usage limits
  
• Priority support
  

It costs around €50/year (≈$60), making it a solid value for frequent users or those seeking extra security.

Can I use XUMM as a cold wallet?

Not exactly. XUMM is a hot wallet (connected to the internet), but it supports Tangem NFC hardware cards for cold storage-level security. If you pair XUMM with a Tangem card, your private key stays offline, and the card must be tapped to sign any transaction – providing cold wallet protection with mobile convenience.

Can I recover my wallet if I lose my phone?

Yes, but only if you backed up your secret key (or Tangem card) during setup. XUMM wallet does not store your private keys or recovery phrases. If you lose access to your device and didn’t save the backup, your funds cannot be recovered. Always write down and securely store your secret during wallet creation.

What countries is XUMM Wallet available in?

XUMM is available globally via the Apple App Store and Google Play Store, except in countries with app restrictions. Some xApps (like fiat on-ramps) may have regional availability limits depending on financial regulations.