XUMM is a non custodial client (wallet) for the XRP Ledger, with superpowers.
XUMM allows you to interact with the XRP Ledger and 3rd party tools while keeping
your keys super safe. XUMM supports signing all XRP ledger transactions, like payments & escrows.
Managing your (non custodial) XRP balance was never this easy & user friendly.
With the XRP Ledger ecosystem integrations available in XUMM like
you'll have total freedom managing and using your XRP and any other issued token / currency on the XRP Ledger.
The XUMM platform allows developers and app users to "meet up". While users can simply use the XUMM application to track their accounts, balances and transactions, the true power of XUMM is the platform available for developers and app users.
XRP transactions are usually user initiated: open your wallet, enter the destination, amount, etc. and then you submit your transaction. In retail / e-commerce (and many other) scenarios, by "reversing" this process, the payment flow will become less prone to mistakes and much more user friendly.