Wallet Guide · 2026

XHD Wallet Setup Guide

XHD, or XRPHD, requires a wallet that can receive coins, keep your recovery details safe, and sync with the blockchain.

In this guide, we explain how to install a wallet, set it up, back it up, and take the steps you need before transfers or mining.

Download the wallet

Download the official full node wallet from XRPHD and pick the build for your system.

Check the file before installation:

  • operating system
  • system type
  • wallet version
  • SHA256 checksum

Use the checksum if it is available:

Windows command:

Windows (PowerShell)
Get-FileHash .\WALLET-NAME.exe -Algorithm SHA256

Linux command:

Linux (Terminal)
sha256sum WALLET-NAME

The result has to match the published hash exactly. If it does not, discard the file. Do not install wallet files from copied forum posts, direct messages, ads, or file hosts.

Install it on Windows

Run the installer from the folder where you saved it. If Windows asks for permission, check the file name and path first.

Start the wallet and confirm:

  • the app opens without errors
  • the version matches the file you downloaded
  • the data folder is created

Approve network access only for the wallet executable. A different app name or path is a reason to cancel and check the installer again.

Install it on Linux

Store the package in your own user account. Don’t run it from a shared folder, a temporary directory, or a public server path.

Some Linux builds need execute permission before launch:

Linux (Terminal)
chmod +x wallet-file

Install or run the package in the format it was released in. Keep the wallet files under a separate user account if more than one person uses the same PC.

Create the wallet

Create a new wallet in the app and save the recovery data before your first deposit. The build may use a seed phrase, a private key, or both for recovery.

Write the seed phrase down offline. Do not keep it in:

Do not keep it in

  • email
  • cloud notes
  • browser storage
  • screenshots
  • chat apps

Read every word in order and copy it exactly. Make a second paper copy and store it somewhere else. Keep both copies away from the device.

Finish synchronization

A new wallet need time to catch up with the blockchain, so do not rely on its balance right away.

Check the sync status in the wallet:

block Height
peer count progress bar

When the wallet reaches the current chain height, its balance and recent transactions should be correct. If you need to shut down your computer, close the wallet first and let it depart completely.

Check the receive address

Copy the address from the wallet’s receive screen. Paste it into a blank note and compare several characters from the beginning and end with the address shown in the wallet.

Send a small test amount first. Wait until the wallet shows:

  • the incoming transaction
  • the confirmation status

After that, use the address for larger transfers or for pool payouts. If you set a pool payout address, copy it again from the wallet. Do not reuse an old note or screenshot.

For larger transfers, always save:

  • the transaction ID
  • the date
  • the amount
  • the receiving address

Back up wallet files

The seed phrase is the main recovery method for cryptowallets. Back up the wallet files as well, especially after the first setup, after new addresses, or after wallet changes.

Store the backup on offline media such as an encrypted USB drive. Label it with:

  • the wallet version
  • the backup date

Keep the wallet-file backup separate from the seed phrase. One device or folder should not contain everything needed to move the funds.

Handle private keys

Export a private key only when you need it. Move the exported file into secure storage as soon as it is created.

Do not leave private keys in:

Do not leave private keys in

  • downloads
  • the desktop
  • shared folders
  • terminal history
  • unencrypted notes

A private key is not needed to receive XHD. Do not send it to a mining pool, support account, exchange, or anyone claiming they need it to fix the wallet.

Recover the wallet

Install the same wallet build, or the correct compatible version, then use the recovery option and enter the recovery data exactly as saved.

If the restored wallet shows no balance, check if:

  • the wallet is fully synced
  • the restored address matches your saved address record

Most recovery failures come from small input errors:

  • wrong word order
  • a misspelled word
  • extra spaces
  • the wrong recovery phrase

A private key may restore one address only. A seed phrase may restore the full wallet, depending on how that wallet version derives addresses.

Prepare it for mining

Finish wallet setup before you create plot files or configure a pool payout. The payout address has to match the wallet you actually control.

Keep a separate mining note with:

  • the wallet address
  • the account ID, if the wallet shows one
  • the wallet version
  • the device name used for setup

Do not put the seed phrase in that note. Read the pool payout field carefully before you save it. Some pools want only the wallet address, but others may ask for an account field or worker field. Plot files and mining software do not need the seed phrase. Keep recovery data off the mining machine.

Checklist

download the correct wallet build
verify the checksum if one is published
install the wallet
create the wallet
write the seed phrase down offline
let sync finish
test the receive address with a small transfer
back up the wallet files
test recovery before you keep a larger balance or use the wallet for mining