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What is xPub for Ledger crypto wallet and is it safe to share with Grow SMSF?
What is xPub for Ledger crypto wallet and is it safe to share with Grow SMSF?
Kris Kitto avatar
Written by Kris Kitto
Updated over a month ago

An xPub (extended public key) for Ledger is a master public key that allows the generation of all public addresses for a specific cryptocurrency account on your Ledger hardware wallet. Here are the key points about xPub and its safety:

What is an xPub?

- An xPub is an extended public key that starts with the prefix "xpub", "ypub", or "zpub"

- It's used to generate unique public addresses for each transaction in your wallet.

- The xPub offers a comprehensive view of your public addresses and balances, making it easier to track transactions across multiple addresses.

Safety and Security

- Sharing your xPub is generally safe from a security perspective.

- The xPub only contains public key information, not private key data.

- No one can access or spend your funds using only the xPub.

Privacy Considerations

- While safe to share, providing your xPub to third parties does have privacy implications:

- Anyone with your xPub can view all transactions and public addresses associated with that account.

- They can monitor your wallet's activity and balance over time.

Use Cases

- Ledger and other services may request your xPub for various purposes:

- To generate new receiving addresses for your wallet.

- To track and display your balance and transaction history.

- For integration with crypto portfolio trackers or other financial services like your SMSF accountant!

Best Practices

- Only share your xPub with trusted services and applications.

- Be cautious when third-party apps request your xPub, as it may reveal information you prefer to keep private[1].

- Remember that while sharing the xPub doesn't compromise your funds' security, it does impact your transaction privacy.

In summary, sharing your Ledger xPub with third parties is generally safe from a security standpoint but does have privacy implications. Always consider the trustworthiness and necessity of the service requesting this information before sharing it.

How to get the xPub for Ledger and Ledger Live

To find the xPub (extended public key) for your Ledger wallet using Ledger Live, follow these steps:

1. Open Ledger Live and connect your Ledger device.

2. Navigate to the Bitcoin account you want to get the xPub for.

3. Click on the wrench icon (settings) in the upper right corner of the account page.

4. In the advanced settings, look for "Advanced Logs" and click to expand it.

5. Find the string that starts with "xpub" in the displayed information. This is your xPub key.

It's important to note that Ledger Live displays a "generic xPub" regardless of whether you're using Legacy, Segwit, or Native Segwit addresses. However, for more specific use cases:

- If you're using Segwit addresses (starting with 3***), you may need to convert the xPub to a ypub.

- If you're using Native Segwit addresses (starting with bc1q***), you may need to convert it to a zpub.

You can use online tools to convert between these formats if necessary. Remember that while sharing your xPub is generally safe from a security standpoint, it does have privacy implications as anyone with your xPub can view all transactions and public addresses associated with that account.

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