GateHub: keys, security, fees and reviews
In short
- Account model
- Three account types: XRPL Wallets and Xahau Wallets (non-custodial, on-chain) and Hosted Wallets (custodial).
- Fees
- Wallet: GateHub Exchange: account opening, closing and custody are free; a dormancy fee of 10.00 EUR per month applies.
- Risks and caveats
- Losing the recovery key means losing access to the account and its funds; GateHub cannot restore secret keys.
- Checked
- 1 November 2026
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Key facts
- Official site
- gatehub.net
Key facts checked on 1 November 2026 against official sources.
What is GateHub
GateHub is a web and mobile wallet and trading platform built on the XRP Ledger, operated by the London-based GateHub Limited and its Slovenian subsidiaries. It offers non-custodial XRPL and Xahau wallets alongside custodial Hosted Wallets, and describes itself as an XRP Ledger wallet since 2015.
Who holds the keys
| Parameter | Details |
|---|---|
| Account model | Three account types: XRPL Wallets and Xahau Wallets (non-custodial, on-chain) and Hosted Wallets (custodial). |
| Custodian | Hosted Wallets are custodial: assets are held by supported gateways. GateHub Exchange keeps client assets in omnibus hot and cold wallets. |
| Key control | XRPL and Xahau Wallets: GateHub stores the secret key encrypted with the user's password and recovery key, and has no access to it. |
| Recovery | Lost secret keys cannot be restored; without the recovery key the account and its funds are inaccessible. |
| Multisig | Optional Wallet Protect turns an XRPL Wallet into a 3-key multisig: the user, Coincover and GateHub each hold one key, with lost-key recovery. |
Features and supported networks
| Parameter | Details |
|---|---|
| Supported networks | XRP Ledger and Xahau wallets; Hosted Wallets hold assets via gateways (e.g. EUR, USD, BTC). |
| Swaps | Trading on the XRP Ledger decentralized exchange, and conversions in Hosted Wallets through GateHub's hosted exchange. |
| Theft cover | Wallet Protect, a paid subscription with Coincover, adds multisig, transaction monitoring and theft cover of up to $1M. |
| Account security | Two-factor authentication is mandatory; anti-phishing phrase and anomaly detection. |
Security and audits
- Open-source status of the GateHub wallet is not stated.
- A responsible disclosure programme pays at least $100 for previously unknown security vulnerabilities.
- Client assets on GateHub Exchange are segregated from company assets, mostly in cold wallets.
- Accounts require two-factor authentication; personal and financial data are stored with AES encryption.
Fees
| Parameter | Details |
|---|---|
| Wallet | GateHub Exchange: account opening, closing and custody are free; a dormancy fee of 10.00 EUR per month applies. |
| Swaps | Exchange fee of 0% to 3%, shown before the order is executed. |
| Buy / sell | SEPA deposits free, SEPA withdrawal 3.00 EUR, card top-up 1.00%. |
History
| Date | Event |
|---|---|
| 2015 | GateHub has offered an XRP Ledger wallet since 2015. |
| 1 July 2025 | GLEIF records GateHub Exchange, družba za izvajanje storitev v zvezi s kriptosredstvi, d.o.o. (Ljubljana, Slovenia) as an active legal entity created on 1 July 2025. |
Risks and caveats
- Losing the recovery key means losing access to the account and its funds; GateHub cannot restore secret keys.
- Hosted Wallets are custodial: assets are held by gateways, not by the user.
- UK customers face restrictions: deposits and exchange are disabled, withdrawals remain available.
- Under the general Terms of Use, the cryptoassets offered are not regulated by the UK FCA and are not covered by the Financial Services Compensation Scheme.
About the developer
- Parent company
- GateHub Limited, London, United Kingdom, with Slovenian subsidiaries.
- Legal entity
- GateHub Exchange d.o.o., Ljubljana, Slovenia (company number 9954317000).
- Licence / registration
- GateHub Exchange is authorised as a crypto-asset service provider under MiCA, supervised by Slovenia's Securities Market Agency (ATVP).
Official links
- Website: gatehub.net
- Security: gatehub.net/features/security
- Fees: gatehub.net/legal/gatehub-exchange/fee-schedule
- Terms: gatehub.net/legal/terms
- Responsible disclosure: gatehub.net/legal/responsible-disclosure
Questions and answers
Is GateHub self-custodial?
Partly. XRPL and Xahau Wallets are non-custodial, with the secret key encrypted by the user's password and recovery key; Hosted Wallets are custodial.
Which networks does GateHub support?
The XRP Ledger and Xahau for on-chain wallets; Hosted Wallets hold assets through supported gateways.
Does GateHub charge fees?
On GateHub Exchange, custody and account opening are free, exchange fees range from 0% to 3%, and a 10 EUR monthly dormancy fee applies.
Who runs GateHub?
GateHub Limited of London, with GateHub Exchange d.o.o. in Slovenia authorised as a MiCA crypto-asset service provider.
Sources
- gatehub.net
- GateHub — Terms of Use
- GateHub Exchange — Terms of Use
- GateHub Exchange — Fee Schedule
- GateHub Exchange — Summary of the Custody Policy
- GateHub — Security
- GateHub — Responsible Disclosure Policy
- GLEIF — LEI record 485100FKB79GMCXY4P55
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