Xaman Wallet™ (formerly Xumm): The Official 2026 Smart XRP Wallet™ Guide
In early 2026, Xaman Wallet™ (rebranded from Xumm) remains the premier self-custodial solution for the XRP Ledger (XRPL) and the Xahau Network. Developed by XRPL Labs, Xaman is designed to be more than just a storage tool; it is a "Smart Wallet" that serves as a bridge between retail commerce and decentralized finance.
As of February 2026, Xaman has introduced significant updates to its infrastructure, focusing on global accessibility and advanced DeFi integration.
📥 2026 Version Highlights (v5.2.0)
| Platform | Current Version | Recent Major Update |
|---|---|---|
| iOS / Android | v5.2.0 | February 2026 |
| Primary Network | XRPL & Xahau | Multi-Network Support |
Key 2026 Update: In January 2026, Xaman 5.0.0 was released as a "resilience-focused" update, ensuring the wallet remains operational even if primary infrastructure is unavailable, and expanding language support to nearly 6 billion speakers globally.
🛡️ Why Xaman is the "Smart" Choice for XRP
Xaman stands out by offering "Feature-Complete" access to the XRP Ledger's native capabilities that other multi-chain wallets often miss.
- Self-Custody Sovereignty: You hold your own private keys. No third party can freeze your funds or block your transactions.
- xApps Ecosystem: Directly within the wallet, you can access xApps—embedded mini-applications for decentralized exchanges (DEX), NFT marketplaces (like Bidds), and yield protocols (like Doppler Finance).
- Tangem Hardware Integration: For cold-storage security, Xaman integrates with Xaman Cards (NFC-enabled hardware cards). These allow you to sign transactions physically, keeping your keys encrypted on the card’s EAL6+ chip.
- On-Chain Yield: Through integrations like Flare Network (FXRP), users can participate in DeFi and earn yield directly from their Xaman interface.
🚀 Getting Started with Xaman
- Download: Visit the official Xaman.app to find links for the Apple App Store and Google Play Store.
- Activation: To activate a new XRPL account, a one-time reserve of 10 XRP is required (standard for the network). Xaman makes this easy via integrated on-ramps like MoonPay.
- Backup: During setup, you will receive a secret (Family Seed or Mnemonic). Write it on paper. In 2026, Xaman has reinforced that there is no "Forgot Password" for self-custody.
- Trust Lines: To hold assets other than XRP (like stablecoins or tokens), you must set a "Trust Line." Xaman simplifies this with one-click approvals.
📊 Xaman Pro Update (2026)
As of January 30, 2026, Xaman has sunsetted new Pro subscriptions.
- Existing Pro Users: Your perks (push notifications, premium support, and advanced xApp access) remain active until your subscription end date.
- The Transition: Many previously "Pro" features are being integrated into the core experience as Xaman moves toward a more unified, revenue-sharing model via the Xaman Ecosystem Fund.
⚠️ 2026 Security Alert: "Authorizing" vs. "Stealing"
Recent user reports in early 2026 have highlighted confusion regarding "tip" or "love" fees on certain third-party xApps.
Important: Xaman never takes funds without your explicit authorization. Always review the transaction summary screen before signing. Xaman clearly displays any destination tags or fees before you authorize a transaction.