Send and receive

A payment settles in a few seconds and cannot be undone. The wallet slows you down only where a mistake is likely.

Receive

Open Receive to see your address, its QR code and a copy button. Give the sender the whole address. On the XRP Ledger an account exists once it holds 1 XRP; a smaller first payment is refused by the ledger, and the sender loses only the network fee.

To receive a token, add it first (see tokens).

Send

The address is checked for typing errors before you can continue.
First-time recipient. If you have never paid this address, the wallet says so.
Lookalike addresses. If the address starts and ends with the same 4 characters as an address in your activity but is a different address, the wallet warns you. Address-poisoning scams send you a tiny payment from such an address and hope you copy it later.
Destination tag. Exchanges share one address between many customers and tell deposits apart by a number, the destination tag (a whole number up to 4,294,967,295). If the recipient's account needs one, the wallet will not send without it. Ask the recipient for it; do not guess.
A new account. If the destination does not exist yet, the amount must be at least 1 XRP to activate it.
Tokens. The recipient must be able to hold that token, unless it is the issuer. If the issuer keeps a transfer fee, the review shows it.
Max sends everything available: your balance minus the reserve and the fee.

The review screen

The wallet builds the transaction, decodes the exact bytes it is about to sign and shows you that: the sentence ("Send 12.5 XRP"), the full destination address in groups of four, the amount, the network fee, the total, the destination tag, the network, and when it expires (about a minute). Confirm arms after 600 ms, and the signature covers only the transaction on that screen.

After you confirm, the wallet waits until the ledger has validated the payment, or until it has expired, and shows the amount actually delivered. A payment that expired was never made.

Activity

Activity lists your recent payments in plain words, using the amount the ledger says was delivered, with a link to each one in the public explorer.