Use XRP in a personal wallet, a cold-wallet setup, or a multi-party MultiSig approval flow, depending on how the assets are owned.
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Support modes
Supported assets
Best fit
XRP
XRP MultiSig Wallet
Hold XRP (XRP) with self-custody, QR-based offline signing, and flexible on-chain MultiSig in Ownbit.
MultiSigCold WalletWallet
XRP plus XRP Ledger issued tokens such as RLUSD and USDC
shared treasuries, family vaults, and higher-control wallets
About XRP
What is XRP (XRP)?
XRP is the native asset of the XRP Ledger, a fast, low-fee settlement network designed for payments that reaches agreement through a consensus protocol rather than mining. Multi-signing is part of the ledger itself: an account can carry a signer list with a quorum, and Ownbit sets one up on a fresh account and then disables its master key, so no single key can ever move the funds. A wallet holds XRP along with issued tokens such as RLUSD and USDC through trust lines, as a standard wallet, an air-gapped cold wallet, or an on-chain MultiSig.
XRP Ledger
BIP32 · BIP39 · BIP44
Wallet · Cold wallet · MultiSig
What you can do with it
XRP in Ownbit
Self-custody by design
Your XRP mnemonic and keys are generated and encrypted on your own device — never uploaded for remote custody.
Cold wallet
Track XRP on a Watch Wallet and sign offline on an air-gapped phone; transactions move as QR codes.
On-chain MultiSig
the chain's own account signer list requires 2-of-3 or weighted approvals before any XRP moves.
How it works
How XRP works in Ownbit
On XRP, an Ownbit MultiSig is the chain's own account signer list: every member is registered as a signer on a fresh account, the approval threshold is written on-chain, and the account's master key is then permanently retired. From that point the chain itself rejects any spend without the required number of signatures — no server and no single key can override it. QR-based offline signing keeps the keys on an air-gapped phone.
Recovery and compatibility
XRP recovery & compatibility
For standard XRP wallets, recovery completes with your mnemonic or private key in any compatible wallet. For MultiSig, each participant keeps an independent key and can recover from the wallet's on-chain configuration without depending on Ownbit's servers.
FAQ
XRP wallet — frequently asked questions
Does Ownbit support XRP MultiSig?
Yes. Ownbit supports on-chain M-of-N MultiSig for XRP — the chain's own account signer list. You can set anything from a 2-of-2 personal wallet to weighted enterprise approvals, and the threshold is enforced on-chain rather than by a server.
Which XRP assets can I hold?
Ownbit manages XRP plus XRP Ledger issued tokens such as RLUSD and USDC on XRP.
Is my XRP self-custodial in Ownbit?
Yes. Your XRP mnemonic and private keys are generated and stored encrypted on your own device. Ownbit never holds them and cannot move, freeze, or access your funds.
Can I use XRP as a cold wallet?
Yes. Pair a Watch Wallet on an online phone with an offline signing phone; unsigned and signed transactions move between them as QR codes, so your keys never touch the internet.
How do I recover my XRP if I lose my phone?
Restore your BIP39 mnemonic in Ownbit or a compatible wallet. For MultiSig, each participant recovers with their own key plus the wallet's public configuration — no Ownbit server required.
Download
Ready to manage XRP in Ownbit?
Download the app on iOS, Google Play, or via direct APK — self-custody from the first screen.