2026
WALLET ACTIVATION
XRP Wallet Reserve Requirement – 2026 Guide
Opening a new XRP wallet requires a minimum reserve of 10 XRP. This is not a fee — it stays in your wallet. It prevents spam accounts and keeps the ledger database lean and efficient.
Understanding the XRP Base Reserve
The XRP Ledger requires every account to hold a minimum balance called the base reserve, currently set at 10 XRP. This is distinct from transaction fees: the reserve is not spent or burned — it remains locked in your account. The reserve requirement exists to prevent account spam that would bloat the ledger. Each additional object an account owns (trust lines, offers, escrows) increases the reserve requirement by an additional 2 XRP (the owner reserve). If you close all objects, the extra reserves become spendable again. The base reserve can be adjusted by validator vote but has remained stable for years.
10 XRP
Minimum Balance
0.00001 XRP
Standard Fee
3–5 Sec
Settlement Time
Quick Facts
- Standard Fee: 0.00001 XRP (10 drops)
- Cost in USD: Under $0.0001
- Fee Destination: Burned (destroyed)
- Confirmation: 3–5 seconds
- Wallet Reserve: 10 XRP minimum
- Total XRP Burned: 14.3M+
- Network: XRP Ledger (XRPL)
Fee Calculator
FAQ
Frequently Asked Questions
How much XRP do I need to activate a wallet?
You need a minimum of 10 XRP to activate a new XRP Ledger account as of 2026.
Is the XRP wallet reserve refundable?
The reserve is not spent — it stays in your account. However, it cannot be sent until your account is closed or the reserve is reduced by governance.
What is the owner reserve in XRP?
Each object you own on-ledger (trust lines, offers, etc.) requires an additional 2 XRP reserve beyond the base 10 XRP.
Is the reserve the same as a transaction fee?
No. The reserve is a minimum balance that stays in your account. Transaction fees (0.00001 XRP) are burned per transaction.
Can the XRP reserve requirement change?
Yes. XRPL validators can vote to adjust reserve levels through an amendment process.
