I have a very imported question?
Nano X charge you about 20 XRP to active your wallet and My question IS If they have no access to your private key How they can take 20 XRP from your wallet???
If you want to make use of any noncustodial wallet that support ripple, you will need to have 20 ripple in the ripple wallet, it is called ripple reserve, it will be there in the wallet forever, you will not be able to transfer it to any other wallet. This is just the norm of a centralized coin called ripple while such can not be implemented on decentralized coin like bitcoin.