Is there a fee to use the XRP wallet?

No. Your Anytime Capital XRP wallet has no monthly fees, no setup fees and no hidden charges. XRP Ledger network fees apply when you send XRP on-chain: XRP Ledger fees are a tiny amount of XRP that is burned, typically 0.00001 XRP. A one-time base reserve of XRP is locked when an account is first activated.

What does a XRP address look like?

Starts with r followed by 25–35 characters (e.g. rN7n…). Exchanges often require a destination tag. Your own Anytime Capital address does not, but include one when an exchange asks for it.

How long does a XRP transfer take?

About 3–5 seconds on XRP Ledger. Your wallet shows the transaction as pending until the network confirms it.

Can I buy XRP directly into this wallet?

Yes. Create your free Anytime Capital wallet and buy BTC, LTC, USDT, XRP, and more using Apple Pay, a debit or credit card, a bank transfer or another available payment method. Purchases are delivered to your Anytime Capital wallet.

Can I convert XRP to USD in my cash account?

Yes. Anytime Capital connects your XRP wallet to your FDIC-insured cash account. Convert XRP to US dollars and spend the balance with your Mastercard® or transfer it out.

Is the Anytime Capital wallet free?

Yes. There are no monthly fees, no setup fees, and no hidden charges for using your Anytime Capital crypto wallet. You only pay standard network transaction fees when sending crypto on-chain.

Is this a custodial or non-custodial wallet?

Anytime Capital offers a non-custodial wallet — meaning you hold your own private keys. We never have access to your funds. Your keys, your coins.

Can I import my existing wallet using a seed phrase?

Yes. You can import any existing BIP-39 compatible wallet using your 12 or 24-word seed phrase. This works for Bitcoin, Ethereum, Solana, Litecoin, and TRON wallets.

What cryptocurrencies does Anytime Capital support?

Your Anytime Capital wallet covers the major assets: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), TRON (TRX), XRP, BNB, Dogecoin (DOGE), Cardano (ADA), USDT (ERC-20, SPL, TRC-20), USDC (ERC-20, SPL) and the rest of the top coins by market cap. Each has its own wallet page under /wallet, and you can buy BTC, LTC, USDT and more into the same wallet with Apple Pay, card or bank transfer.

Can I use my crypto wallet to fund my Anytime Capital cash account?

Yes. Anytime Capital uniquely connects your crypto wallet to your FDIC-insured cash account. Convert crypto to USD and have it available in your account instantly — then spend it with your Mastercard®.

Is my crypto FDIC insured?

Cryptocurrency itself is not FDIC insured. Funds loaded to your Anytime Capital cash account are FDIC-insured up to applicable limits through our partner bank, Pathward N.A., Member FDIC.

Free XRP Wallet — Built-In Banking

Free XRP Wallet with Built-In Banking

XRP is the native asset of the XRP Ledger, built for fast, low-cost cross-border payments and used by banks and payment providers for settlement. Create your free Anytime wallet and buy BTC, LTC, USDT, XRP, and more using Apple Pay, card, bank transfer or another available method.

Anytime Capital WalletYour non-custodial cryptocurrency wallet

WalletCurrent wallet

XRP — XRP Ledger

XRP

BalanceRecover from seed phrase

$2,919.17 USD

2,316.804 XRP

Recent activityView all

Received+410 XRP2h ago$516.60
Sent−100 XRP5h ago$126.00
Received+170 XRP1d ago$214.20
Sent−70 XRP2d ago$88.20

BalanceAllocation

24H7D30D90D1Y

Portfolio value

$0.00

-$1,423.40 (-2.50%)Past 24H

Your Assets

Hide $0

AssetPrice24h Volume7d ChartBalanceValue

BTCBitcoin

39.7% of portfolio

$77,740.00

-2.98%

$72.18B

24h vol

0.28416093

BTC

$22,090.67

Copy address

ETHEthereum

19.5% of portfolio · 4 networks

$2,222.37

-4.20%

$24.58B

24h vol

4.87310562

ETH

$10,829.84

Copy address

USDTTether

16.6% of portfolio · 3 networks

$0.999039

+0.01%

$96.7B

24h vol

9,215.47

USDT

$9,206.61

Copy address

SOLSolana

10.8% of portfolio

$97.03

-3.20%

$5.83B

24h vol

61.84720375

SOL

$6,001.03

Copy address

XRPXRP

5.2% of portfolio

$1.26

-2.56%

$3.61B

24h vol

2,316.804

XRP

$2,919.17

Copy address

TRXTRON

4.7% of portfolio

$0.332179

+0.18%

$1.96B

24h vol

7,905.412

TRX

$2,626.01

Copy address

USDCUSDC

3.5% of portfolio · 3 networks

$0.999538

+0.01%

$23.48B

24h vol

1,925.106

USDC

$1,924.21

Copy address

Your XRP — Fully Under Your Control

XRP is the native asset of the XRP Ledger, built for fast, low-cost cross-border payments and used by banks and payment providers for settlement. With Anytime Capital, your XRP is secured by your own private keys — not held by any exchange or custodian.

✓Self-custody XRP storage

✓Send & receive on XRP Ledger

✓Confirms in 3–5 seconds

✓Buy BTC, LTC, USDT, XRP, and more

✓Convert to USD cash account

What Is a XRP Wallet?

A XRP wallet is software that holds the private keys controlling your XRP on XRP Ledger and lets you send, receive and store it. XRP is the native asset of the XRP Ledger, built for fast, low-cost cross-border payments and used by banks and payment providers for settlement. XRP is the native coin of its own blockchain, launched in 2012, so the wallet you use has to speak XRP Ledger — the address format, fees and confirmation times on this page are XRP Ledger's.

Anytime Capital gives you a free, non-custodial XRP wallet: your keys are generated on your device and never leave it, so no exchange, custodian or even Anytime Capital can freeze or move your XRP. There are no monthly fees; you pay only XRP Ledger's own network fee when you send.

The difference from a standalone XRP wallet is what surrounds it. You can buy BTC, LTC, USDT, XRP, and more into the same wallet using Apple Pay, a debit or credit card, or a bank transfer, convert to US dollars in your Anytime Capital cash account, and spend the balance with your Mastercard® — all from one dashboard.

Convert XRP to Cash in Your Anytime Capital Account

Most wallets leave your crypto stranded. Anytime Capital bridges your XRP wallet to your FDIC-insured cash account — convert, spend with your Mastercard®, or receive direct deposits.

✓Convert XRP → USD instantly

✓No-fee internal transfers

✓Spend with your Mastercard®

✓FDIC-insured up to $250K

Open Cash Account + XRP Wallet

Free XRP Wallet with Built-In Banking

Your XRP, On Every Screen

Receive with one scan

Send in a few taps

Pay only the network fee

Your XRP — Fully Under Your Control

What Is a XRP Wallet?

How to Use Your Free XRP Wallet

How to Create a Free XRP Wallet

Buy BTC, LTC, USDT, XRP, and more — straight into your wallet

Looking for Free XRP? Start Here

1. Create a free XRP wallet

2. Buy XRP with a payment method you already have

Buy XRP Directly Into Your Wallet

Everything Your XRP Wallet Can Do

Non-Custodial

Send & Receive

Swap Assets

Convert XRP to Cash in Your Anytime Capital Account

Explore XRP on Anytime Capital

Other Supported Wallets

Trusted (Trust & Compliance)

XRP Wallet FAQ

How to Receive XRP

How to Send XRP

XRP Network Fees, Explained

How Your XRP Stays Safe

Comparing XRP wallets?

3. Know where free XRP really comes from

Legitimate ways people get XRP without buying it

How "free XRP" scams work

QR Code Payments

Import Wallet

Export Wallet

Fund Your Cash Account

Buy with Card

Live Market Data

Ready to open your free XRP wallet?