[Wallets](https://revain.org/wallets/) › GateHub

# 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

## Key facts

- **Official site**: [gatehub.net](https://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](https://gatehub.net/)
- Security: [gatehub.net/features/security](https://gatehub.net/features/security)
- Fees: [gatehub.net/legal/gatehub-exchange/fee-schedule](https://gatehub.net/legal/gatehub-exchange/fee-schedule)
- Terms: [gatehub.net/legal/terms](https://gatehub.net/legal/terms)
- Responsible disclosure: [gatehub.net/legal/responsible-disclosure](https://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](https://gatehub.net/)
- [GateHub — Terms of Use](https://gatehub.net/legal/terms)
- [GateHub Exchange — Terms of Use](https://gatehub.net/legal/gatehub-exchange/terms-of-use)
- [GateHub Exchange — Fee Schedule](https://gatehub.net/legal/gatehub-exchange/fee-schedule)
- [GateHub Exchange — Summary of the Custody Policy](https://gatehub.net/legal/gatehub-exchange/custody-policy)
- [GateHub — Security](https://gatehub.net/features/security)
- [GateHub — Responsible Disclosure Policy](https://gatehub.net/legal/responsible-disclosure)
- [GLEIF — LEI record 485100FKB79GMCXY4P55](https://api.gleif.org/api/v1/lei-records/485100FKB79GMCXY4P55)

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Page updated: 2026-11-06

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Source: https://revain.org/wallets/gatehub/