Wrapped XRP (Universal) wallet

What is Wrapped XRP (Universal) (UXRP)?

uXRP puts XRP exposure onto EVM chains. The Universal protocol takes in native XRP, holds it in reserve against the tokens it issues, and mints an ERC-20 that trades and plugs into DeFi on networks where the XRPL has no presence. Burning the token is what unlocks the underlying XRP again.

This is a custodial arrangement by construction, and that is the honest way to think about it: what you hold is a redeemable claim whose backing sits with the protocol's custodian, not a balance on the XRPL. It carries none of the XRPL's own mechanics either - no reserve requirement, no destination tags, no trust lines. The address you receive it at is an ordinary EVM address.

That last point is where holders slip. An EVM address is identical across chains, so uXRP on one network and uXRP on another look the same in a block explorer but are separate balances; a transfer travels on exactly one of them. Sending uXRP to an XRPL address, meanwhile, simply is not possible - it is a different address format on a different network.

Fees on these networks are paid in ETH, which surprises people who arrive from the XRPL where XRP itself covers the cost. Tangem keeps that ETH in the same wallet as the token, signs by a tap of the card against the phone with no app-to-device pairing ritual, and spells out which network a transfer leaves on. Supported networks in Tangem (2): Arbitrum One, Base. For a token you will actually move around rather than park, that combination removes most of the friction.