Cryptocurrencies continue to reshape the digital economy, and among the most prominent assets is XRP, a digital currency designed for fast, low-cost cross-border transactions. Meanwhile, Metamask has emerged as one of the most trusted and widely used crypto wallets—especially for those interacting with Ethereum-based decentralized applications (dApps). But what if you want to manage XRP within Metamask?
While Metamask natively supports Ethereum and ERC-20 tokens, adding XRP requires some configuration. This guide walks you through the process of integrating XRP into your Metamask wallet by connecting to the XRP Ledger (XRPL) via custom network settings. You’ll learn how to set up your wallet, configure the XRP network, and manage your holdings securely—all while understanding the nuances of cross-chain compatibility.
Whether you're a crypto enthusiast or just starting out, this step-by-step walkthrough ensures you can seamlessly manage multiple digital assets in one place.
Understanding XRP and Its Role in Digital Finance
XRP is a digital asset developed by Ripple Labs, designed to streamline international payments. Unlike Bitcoin or Ethereum, XRP operates on its own consensus protocol—the Ripple Protocol Consensus Algorithm (RPCA)—rather than a traditional blockchain. This allows it to settle transactions in under 5 seconds with minimal fees.
One of XRP’s key use cases is serving as a bridge currency for financial institutions using RippleNet, enabling real-time settlement across borders without the need for intermediaries. With a total supply capped at 100 billion tokens, XRP combines scalability and efficiency, making it attractive for both institutional and retail users.
Despite debates around centralization due to Ripple Labs’ significant coin holdings, XRP remains a top-tier cryptocurrency by market capitalization and utility.
👉 Discover how multi-chain wallets are transforming crypto accessibility.
What Is Metamask and Why It Matters
Metamask is a non-custodial cryptocurrency wallet available as a browser extension and mobile app. Primarily built for the Ethereum ecosystem, it supports ERC-20, ERC-721, and other Ethereum-compatible tokens. Users leverage Metamask to store assets, connect to dApps, participate in DeFi protocols, and interact with NFT marketplaces.
Its intuitive interface and strong security model—featuring encrypted local storage of private keys and recovery phrases—make it ideal for both beginners and advanced users. While Metamask doesn’t support XRP out of the box, its ability to add custom networks opens the door to integrating assets like XRP through the XRP Ledger.
This flexibility highlights Metamask’s role not just as an Ethereum wallet, but as a gateway to a broader multi-chain future.
Step-by-Step: Setting Up Your Metamask Wallet
Before adding XRP, ensure you have Metamask installed:
- Visit metamask.io and download the extension for Chrome, Firefox, Brave, or another compatible browser.
- Click “Add to Browser” and confirm installation.
- Launch Metamask by clicking its fox icon in your toolbar.
- Choose “Create a Wallet” and accept the terms.
- Set a strong password—never share this with anyone.
- Carefully write down your 12-word recovery phrase in order. Store it offline and securely.
- Confirm the recovery phrase when prompted.
- Once verified, your wallet is ready.
You now have a functional Ethereum wallet. Next, we’ll configure it to interact with the XRP network.
Adding the XRP Ledger Network to Metamask
Since XRP runs on its own ledger, you must manually add the XRP Ledger (XRPL) as a custom network in Metamask. Follow these steps:
- Open Metamask and click your account avatar in the top-right corner.
- Select “Settings” > “Networks” > “Add Network”.
Enter the following details:
- Network Name: XRP Ledger
- New RPC URL:
https://xrpl.api.walletconnect.com(a public RPC endpoint for XRPL) - Chain ID:
144(the official Chain ID for XRP Ledger) - Currency Symbol: XRP
- Block Explorer URL:
https://xrpscan.com
- Click “Save”.
After saving, your wallet will switch to the XRP Ledger network. Note that this does not automatically display your XRP balance—you still need to import your XRP account.
Importing Your XRP Account into Metamask
To view and manage your XRP, you’ll need access to your XRP wallet address and private key (or seed phrase). Here’s how to import it:
- In Metamask, click your account avatar and select “Import Account”.
- Choose “Private Key” (if importing via private key) or ensure your seed phrase format is compatible.
- Paste your XRP private key into the field.
- Click “Import”.
Metamask will now display your XRP balance under the XRPL network. You can send, receive, and track transactions directly from the interface.
⚠️ Important: Only import keys from trusted XRP wallets (e.g., Xumm, Toast Wallet). Never expose your private key online.
Managing XRP in Metamask: Key Features
With XRP successfully integrated, here’s how to make the most of it:
✅ View Your Balance
Switch to the “XRP Ledger” network in Metamask to see your current XRP holdings alongside any Ethereum assets.
✅ Send XRP
Click “Send,” enter the recipient’s XRP address (starts with r...), specify the amount, and confirm. Transactions typically settle in seconds.
✅ Receive XRP
Use your displayed wallet address (or QR code) to receive funds. Always double-check the address before sharing.
✅ Track Transactions
Check the activity tab to monitor sent and received transactions on the XRPL blockchain via the integrated block explorer.
✅ Stay Secure
Enable two-factor authentication (2FA) on your devices, keep your recovery phrase safe, and avoid phishing sites.
👉 Learn how secure wallet practices protect your digital wealth.
Frequently Asked Questions (FAQ)
Can Metamask natively hold XRP?
No. Metamask is built for Ethereum-compatible chains. To manage XRP, you must manually add the XRP Ledger as a custom network and import your account using a private key.
Is it safe to import my XRP private key into Metamask?
Yes—if done correctly. Ensure you’re using a clean device, avoid public Wi-Fi, and never enter your key on suspicious websites. Once imported, Metamask stores it locally and encrypted.
Why isn’t my XRP balance showing after adding the network?
You must first import your XRP account using its private key or seed phrase. Simply adding the network doesn’t sync your funds automatically.
Can I use Metamask Mobile to manage XRP?
Yes. The same steps apply: add the XRP Ledger as a custom RPC network and import your account via private key in the mobile app.
Does adding XRP affect my Ethereum funds?
No. Your Ethereum assets remain unaffected. Metamask allows you to switch between networks seamlessly without risking asset loss.
Are there gas fees when sending XRP through Metamask?
Yes, but they’re minimal—typically less than $0.01 per transaction—and paid in XRP itself.
Final Thoughts
Integrating XRP into Metamask expands your ability to manage diverse crypto assets from a single interface. While not natively supported, configuring the XRP Ledger as a custom network empowers users to enjoy fast settlements and low-cost transfers without switching wallets.
As blockchain interoperability advances, tools like Metamask are evolving into true multi-chain gateways—bridging ecosystems and enhancing user experience across DeFi, Web3, and global finance.
Always prioritize security: safeguard your recovery phrase, verify network details, and transact only through trusted sources.
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By following this guide, you’ve taken a significant step toward mastering multi-chain navigation—unlocking greater flexibility in how you store, send, and interact with digital assets like XRP.