Frequently Asked Questions

Toast Wallet is a secure, user-friendly XRP wallet application that allows you to store, send, and receive Ripple (XRP) cryptocurrency. It's available on multiple platforms including Windows, macOS, Linux, iOS, Android, and as a web application.

Key features include:

• • Bank-level security with local key storage
• • Fast transactions with minimal fees
• • Cross-platform synchronization
• • Open-source and transparent code

Creating a new Toast Wallet is simple:

1. Download Toast Wallet from our official website
2. Install and launch the application
3. Select "Create New Wallet"
4. Write down your 12-word recovery phrase securely
5. Set up your password and security preferences
6. Your wallet is ready to use!

Important: Always securely store your recovery phrase. It's the only way to recover your wallet if you lose access.

Toast Wallet is available on all major platforms:

• • Desktop: Windows 10/11, macOS, Linux (Ubuntu, Debian, Fedora)
• • Mobile: iOS 12+, Android 8.0+
• • Web: Chrome, Firefox, Safari, Edge browsers

All versions offer the same core functionality with platform-specific optimizations.

Yes, Toast Wallet is completely free to download and use. There are no subscription fees, hidden charges, or premium features.

The only costs you'll encounter are:

• • XRP Ledger network fees (typically 0.00001 XRP per transaction)
• • Required 20 XRP reserve for account activation (this is an XRP Ledger requirement, not a Toast Wallet fee)

Toast Wallet implements multiple layers of security:

• • Local Storage: Private keys are stored locally on your device, never on our servers
• • AES-256 Encryption: All sensitive data is encrypted with military-grade encryption
• • Open Source: Code is publicly audited by security experts
• • Biometric Authentication: Face ID, Touch ID, and fingerprint support
• • Multi-factor Authentication: Additional security layers available

Toast Wallet follows industry best practices and is regularly audited for security vulnerabilities.

A recovery phrase (also called a seed phrase) is a 12-word sequence that serves as a master key to your wallet. It's generated when you create your wallet and can restore access to your funds on any device.

Why it's important:

• • Only way to recover your wallet if you lose access
• • Allows you to use your wallet on multiple devices
• • Provides backup in case of device failure or loss

Security tips:

• • Write it down on paper and store securely
• • Never share it with anyone
• • Never store it digitally unless properly encrypted
• • Create multiple physical copies in secure locations

No, absolutely not. Toast Wallet is designed to give you complete control over your funds:

• • Private keys are generated and stored locally on your device
• • We never have access to your private keys or recovery phrase
• • Toast Wallet servers cannot access or move your funds
• • You are the sole custodian of your XRP

This is a fundamental principle of non-custodial wallets - you maintain complete ownership and control.

Sending XRP is straightforward:

1. Open your Toast Wallet and navigate to the "Send" section
2. Enter the recipient's XRP address (or scan their QR code)
3. Specify the amount of XRP to send
4. Add a destination tag if required by the recipient
5. Review the transaction details and network fee
6. Confirm the transaction with your password/biometric
7. Your XRP will be sent within 3-5 seconds

Note: Always double-check the recipient address before confirming. XRP transactions are irreversible.

A destination tag is an additional identifier used when sending XRP to exchanges, payment processors, or shared addresses.

When to use destination tags:

• • Sending to cryptocurrency exchanges (Binance, Coinbase, etc.)
• • Payment processors that use shared addresses
• • Any service that specifically requests a destination tag

Important: If a destination tag is required and you don't include it, your XRP may be lost or require manual recovery by the recipient.

XRP transactions on the Ripple network are extremely fast:

• • Confirmation time: 3-5 seconds typically
• • Network finality: Immediate (no additional confirmations needed)
• • Toast Wallet display: Updates within seconds of confirmation

This makes XRP one of the fastest cryptocurrencies for payments and transfers.

XRP network fees are extremely low:

• • Standard fee: 0.00001 XRP (approximately $0.00001)
• • Fee purpose: Prevents spam and covers network processing
• • Toast Wallet fees: None - we don't charge additional fees

The fee is automatically calculated and included in your transaction. You can see the exact fee amount before confirming any transaction.

If your wallet is having connection issues, try these solutions:

1. Check internet connection: Ensure you have a stable internet connection
2. Restart the app: Close and reopen Toast Wallet
3. Update the app: Make sure you're using the latest version
4. Change networks: Try switching between WiFi and mobile data
5. Firewall settings: Ensure Toast Wallet isn't blocked by firewall/antivirus
6. Server status: Check if there are any known network issues

If problems persist, try reinstalling the app or check the recovery guide for additional solutions.

If you forget your wallet password, you can recover your wallet using your 12-word recovery phrase:

1. Uninstall and reinstall Toast Wallet (or use "Restore Wallet" option)
2. Select "Restore from Recovery Phrase"
3. Enter your 12-word recovery phrase
4. Set a new password
5. Your wallet will be restored with full access

Important: Without your recovery phrase, password recovery is not possible. This is by design for security.

If your balance shows zero when you expect to have XRP, try these steps:

1. Wait for sync: Allow the wallet to fully synchronize
2. Refresh: Pull down to refresh or restart the app
3. Check address: Verify you're looking at the correct wallet address
4. Network check: Ensure you have a stable internet connection
5. Blockchain explorer: Check your address on a Ripple blockchain explorer

If the explorer shows your balance but Toast Wallet doesn't, try reinstalling the app or check the FAQ for additional troubleshooting steps.

Yes! You can use your Toast Wallet on multiple devices:

• • Use your 12-word recovery phrase to restore your wallet on any device
• • All devices will have access to the same XRP balance and transaction history
• • Changes made on one device (like transactions) will be reflected on all devices

Security note: Each device will have its own password and security settings. Make sure all devices are properly secured.