Xumm Help Center

Getting started

Just received your Xumm (Tangem) cards?
If you just received your Xumm (Tangem) cards and you are not sure what to do with them or how to configure them, this is exactly where you want to be. We are going to go over the basics of the cards, how to use them and answer some common questions related to the cards.

Taking a look at the cards

Most people will receive two cards:
and just to confirm, the cards are exactly the same, other than their appearance. We sent you two different cards so you can easily tell them apart! 😉

What are the cards for...

The main functions of a Xumm (Tangem) card are:
  • to securely create an account secret for an XRP Ledger account
  • store that account secret securely on the card
  • sign transactions on the card with the account secret
There are multiple use case and ways to configure the cards, but the core feature of the card is that it allows you to sign transactions on your XRPL account.
Keep in mind, since the account secret is stored on the card, this means that the only way you can sign transactions on your XRPL account, is if you physically have the card. While this feature certainly proves security, for some people it might be considered less convenient than a regular XRPL account.
We make a couple of recommendations below which you should review to better understand this.

What the cards are not for...

The cards can not connect to your bank account. You can not use them at an ATM.
They are not debit cards or a credit cards.
They do not store XRP on them and they do not come with XRP.

Our recommendations...

We know that the Xumm (Tangem) card is basically an "account on a card", and that the only way to access the account is if you physically possess the card, so consider this possibility...
What happens if your card is lost, stolen, damaged or destroyed?
If any of these situations happened, you would lose access to your account and your funds would be lost. The only way to access your card account is if you have the card, unless...

Recommendation 1 - Make a backup card

This is the main reason we send you two cards. We want you to create a "backup" card so you can still access your funds if your primary card is ever lost, stolen or damaged. Check out this article on how to do this:

Recommendation 2 - Create a pin on your backup card

If you decide to follow our first recommendation, creating a pin on your backup card is an extra security feature which makes sense to help protect your funds. Each Xumm (Tangem) card offers has the ability create a pin code which will need to be entered before you can sign a transaction on the account. If your card were ever stolen, a pin will help keep the card from being used by unauthorized people.

Recommendation 3 - Read the following article

We have compiled a set of suggestions on how to use your Xumm (Tangem) cards. A sort of "Do's and Don'ts" list of things to avoid and things to try to practice when it comes to your cards.


The Xumm (Tangem) card is a hardware wallet that offers peace of mind by providing a reliable and secure storage solution for your private keys for your XRPL account. Should you have any additional questions regarding this topic so you are welcome to contact us any time via the Xumm Support xApp in Xumm or you can simply scan this QR code with Xumm and be directed there automatically.