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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Clear out junk files and repair common Windows errorsFree Scan →To store Bitcoin, Ethereum, and XRP in a wallet you control, use a non-custodial wallet: one where you, not a service provider, hold the keys needed to authorize transactions. Your coins remain recorded on their respective networks; the wallet manages keys and transactions. A hardware wallet is an optional way to keep keys offline when the device is disconnected. Before sending funds, confirm that the wallet supports each asset and the exact network you intend to use, and account for the XRP Ledger’s reserve requirement.
What it means to control your wallet
With a non-custodial wallet, you hold the private keys that authorize transactions. A custodial service holds keys on your behalf, so access depends on that provider. Self-custody gives you direct control, but also makes you responsible for keeping the keys safe and maintaining a way to recover access. The XRP Ledger wallet guide explains this distinction.
A wallet does not contain Bitcoin, Ethereum, or XRP as files. The assets are recorded on their respective networks; the wallet provides the keys and tools to view balances and sign transactions.
Choose a wallet for your access and security needs
Software wallets
A software wallet is an app or browser-based wallet that makes it convenient to access and transact. Its keys are handled digitally, so security depends in part on the device and the wallet’s protections.
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Hardware wallets
A hardware wallet is a physical device that can keep keys isolated from a computer or phone while it is offline. You still use compatible software to view or manage the wallet and to prepare transactions. Hardware can reduce exposure of keys to an internet-connected device, but it does not remove the need to protect your recovery phrase or verify transactions. Ethereum.org recommends hardware wallets for offline private-key storage in its security guide.
Neither category automatically supports all three assets. Use the Bitcoin wallet chooser, Ethereum wallet directory, and XRP Ledger wallet guidance to check current options. Confirm support for Bitcoin, Ethereum, and XRP individually, as well as the precise network or token variant you plan to use. Do not assume that support for one asset means support for another.
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Set up the wallet and protect recovery access
- Choose a non-custodial wallet. Check that you control its keys and that it supports each asset and network you plan to hold.
- Set it up using the provider’s official app or instructions. Create or import a wallet only through a source you have independently verified.
- Record the recovery phrase or private keys offline. Anyone who obtains them may be able to access and transfer your assets. Ethereum.org warns: “Never, for any reason, share your recovery phrase or private keys!”
- Keep the backup private and protected. Do not send it to another person, enter it into a support conversation, or upload it to an unsolicited website. Avoid screenshots: they may sync to cloud storage, as Ethereum.org cautions in its security guide.
- Check recovery instructions before depositing funds. Find out which compatible app or device can restore the wallet and follow the provider’s instructions without disclosing your phrase to anyone.
- Verify the receiving details before sending. Confirm the asset, network, and destination address in the wallet interface. If appropriate, send a small test transaction first and verify it arrives before transferring a larger amount.
Know what happens if you lose access
A compatible wallet app may be able to restore a wallet from its recovery phrase, but the phrase must remain secret: anyone with it can control the associated accounts. If you lose the phrase or private keys for a self-custody wallet, there is no provider who can reset access. Ethereum.org explains recovery in its wallet FAQ; the XRP Ledger guide states that losing the keys locks you out of the account with no recovery options.
Keep the recovery information separate from the device it restores, and make sure you can identify which wallet it belongs to without exposing the secret. A support agent or legitimate wallet provider should not need you to share your recovery phrase.
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Account for the XRP Ledger reserve
An individually funded XRP Ledger Mainnet account currently requires a base reserve of 1 XRP. Applicable ledger objects, such as trust lines, can require an additional owner reserve of 0.2 XRP per object. These are protocol parameters, not wallet fees, and the XRP Ledger says they may change through Fee Voting. Reserve settings can differ on other networks. Check the live XRP Ledger reserve documentation and your wallet interface before creating an account or moving XRP.
The reserve affects how much XRP is available to spend: the required amount must remain reserved in the account. Consult the XRP Ledger accounts documentation for account details.
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Use this checklist before funding a wallet
- You control the keys; the wallet is non-custodial.
- The wallet supports Bitcoin, Ethereum, and XRP separately, on the exact networks or token variants you need.
- You know how to restore access with the recovery phrase or keys, and you have recorded them offline.
- Your recovery information is not stored in a screenshot, cloud-synced note, email, or support conversation.
- You have checked the XRP Ledger reserve applicable to your account and network.
- You have verified the destination address and network before sending.
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