How to Send XRP to a Ledger Wallet – Full 2025 Guide

Storing your XRP in cold storage is one of the smartest moves you can make for long-term security. With rising cyber threats and exchange vulnerabilities, transferring your Ripple (XRP) to a hardware wallet like Ledger ensures your assets remain under your control — offline and out of reach from hackers.

This comprehensive guide walks you through every step of sending XRP to your Ledger Nano S, Nano X, or any Ledger device using Ledger Live, fully updated for 2025. Whether you're moving funds from Binance, Coinbase, or another exchange, we've got you covered.

From setting up the XRP app to verifying your transaction, this tutorial ensures a smooth and secure transfer process. Let’s dive in.

Why Store XRP on a Ledger Wallet?

Before we get into the technical steps, it’s important to understand why a hardware wallet is the best choice for storing XRP.

• Offline Security: Ledger devices store private keys offline, making them immune to online attacks.
• User Control: You own your keys — no third party can freeze or seize your funds.
• Multi-Currency Support: Ledger supports XRP and thousands of other assets via Ledger Live.
• Peace of Mind: Ideal for long-term "HODLers" who want maximum protection.

👉 Secure your XRP today with institutional-grade protection.

Step 1: Install and Set Up the XRP App on Ledger Live

To receive XRP on your Ledger device, you must first install the official XRP app through Ledger Live.

1. Open Ledger Live on your desktop (Windows or Mac) or mobile (iOS/Android).
2. Connect your Ledger device and unlock it with your PIN.
3. Navigate to the "Manager" section.
4. Search for "XRP" in the app catalog.
5. Click "Install" — this adds XRP functionality to your wallet.

🔒 Note: Never install apps from unofficial sources. Always use the Ledger Live Manager for authenticity.

Once installed, you’ll be able to generate an XRP address and manage your balance directly within the app.

Step 2: Find Your Ledger XRP Wallet Address

Now that the XRP app is installed, it's time to locate your unique receiving address.

1. In Ledger Live, go to the Accounts tab.
2. Click "Add Account" and select XRP.
3. Choose your preferred account name (e.g., “Main XRP Wallet”).
4. Your public XRP address will appear — it starts with r... and looks something like rDaYJpJ....

📌 Important: Always verify the address on your Ledger device screen when confirming transactions. This prevents malware from altering addresses.

Copy this address carefully — you’ll need it when withdrawing from an exchange.

Step 3: Sending XRP from an Exchange (e.g., Binance or Coinbase)

Now let’s transfer XRP from a centralized platform. We'll use Binance as an example, but the process is similar across most exchanges.

On Binance:

1. Log into your Binance account.
2. Go to Wallet > Withdraw.
3. Select XRP as the withdrawal currency.
4. Paste your Ledger XRP address into the recipient field.
5. Enter the amount you wish to send.
6. Fill in the Destination Tag (more on this below).
7. Confirm all details and submit.

✅ Wait for email/SMS 2FA verification and approve the withdrawal.

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Understanding the Destination Tag – Critical for XRP Transfers

One key difference between XRP and other cryptocurrencies is the use of a destination tag (also called a memo or message ID).

What Is a Destination Tag?

• A numeric identifier used by exchanges and services to determine which user should receive the funds.
• Required by most exchanges when withdrawing to external wallets.
• Not always required when sending from an exchange — but double-check their rules.

Do You Need One When Sending To Ledger?

❌ No. When sending XRP from an exchange to your personal Ledger wallet, you typically do not need to enter a destination tag, unless the exchange forces it.

However:

• If the exchange requires a destination tag field to be filled, enter 0 or your Ledger account’s internal ID (if specified). Some users report success with 0, but check Ledger’s official documentation.
• Never leave it blank if the field is mandatory — use 0 as a default unless instructed otherwise.

⚠️ Warning: Entering an incorrect destination tag can result in lost funds. Always test with a small amount first.

How Long Do XRP Transactions Take?

XRP is known for its speed and low cost.

• ✅ Average Confirmation Time: 3–5 seconds
• 💸 Average Fee: Less than $0.01
• 🌐 Network: XRP Ledger (XRPL)

This makes XRP one of the fastest digital assets for cross-wallet transfers. Within moments of sending, you should see the transaction reflected in Ledger Live.

Step 4: Verify That XRP Arrived Safely

After initiating the transfer:

1. Return to Ledger Live.
2. Navigate to your XRP account.
3. Wait a few seconds — the transaction should appear automatically.

4. Check that:

   • The correct amount arrived.
   • No unexpected destination tags were applied.
   • The status shows "Confirmed."

If the balance doesn’t update immediately:

• Force-refresh Ledger Live.
• Ensure you’re using the latest version (2025 updates included).
• Confirm that the XRP app is open and synced.

Still no sign of your XRP? Wait up to 10 minutes — rare network delays happen.

Common Issues & Fixes

Here are frequent problems users face when sending XRP to Ledger — and how to resolve them:

❌ "XRP Not Showing in Ledger Live"

• Cause: Outdated Ledger Live app or unsynced blockchain data.
• Fix: Update Ledger Live, restart the app, and resync the XRP account.

❌ "Invalid Address" Error

• Cause: Malware altered the copied address or typo during input.
• Fix: Always verify the address on your Ledger device screen before confirming.

❌ "Destination Tag Missing"

• Cause: Exchange required a tag but it was left blank.
• Fix: If sending from exchange to personal wallet, try entering 0. Contact support if unsure.

❌ "Not Enough XRP for Reserve"

• Cause: XRP requires a minimum reserve (currently ~10 XRP) to activate a new wallet.
• Fix: Ensure you send more than 10 XRP initially; otherwise, the transaction will fail.

Frequently Asked Questions (FAQ)

Can I send XRP directly from Coinbase to Ledger?

Yes, but Coinbase often auto-fills a destination tag. Remove it or set it to 0 when sending to your personal Ledger wallet.

Does Ledger charge fees for receiving XRP?

No. Receiving XRP is free. You only pay the minimal network fee (less than $0.01), which goes to validators on the XRP Ledger.

Why is there a 10 XRP reserve requirement?

The XRP Ledger requires a small amount (currently 10 XRP) to prevent spam and create a wallet entry. This amount is locked but remains in your account.

Can I use my Ledger with third-party wallets like Trust Wallet?

No — for security reasons, private keys never leave the Ledger device. You can only manage XRP via Ledger Live or compatible interfaces that connect through USB/BLE.

What happens if I lose my Ledger device?

As long as you have your 24-word recovery phrase stored securely, you can restore your XRP on another Ledger or compatible wallet.

Is staking available for XRP on Ledger?

No native staking for XRP exists, as it uses a unique consensus algorithm rather than proof-of-stake. However, some third-party platforms offer yield products (use with caution).

Final Tips for Safe XRP Transfers

• Always double-check addresses on your Ledger screen.
• Test with a small amount before large transfers.
• Keep your Ledger firmware and apps updated.
• Never share your recovery phrase — not even with support teams.

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By following this guide, you’ve taken full control of your digital assets. Storing XRP on a Ledger hardware wallet isn’t just about convenience — it’s about sovereignty, security, and long-term confidence in your crypto journey.

Stay safe, verify every step, and enjoy peace of mind knowing your XRP is protected where it belongs: in your hands.