By Isaac • October 28, 2026 3:09 pm •
XRP Ledger developers are testing a change that could let a new wallet begin with zero XRP while still satisfying the network’s reserve rules.
The proposal is called SponsoredAccountCreate. CoinDesk says an existing account would create the new wallet and carry its reserve obligation.
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The user would keep control of the new wallet’s keys, while the sponsor—not the user—would bear the XRP cost. The code was submitted October 15 and remains under review, with two automated review findings still unresolved.
The XRP Ledger currently requires a one-XRP base reserve for an active account. A payment company trying to open 100,000 wallets would therefore need to lock 100,000 XRP before those customers could do anything.
The proposed
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