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Tech & Protocols · 1 min read

XRPL Developers Propose Zero-XRP Wallets to Streamline Stablecoin Payments

A proposed amendment would allow sponsors to shoulder account reserve obligations, removing the requirement that new wallets hold XRP directly.

Editorial oversight: Julian Mercer, Chief Editor
Neutral
$XRP $1.31 −0.3%

At a glance Proposed

What happened
XRP Ledger developers proposed a transaction that permits third-party sponsors to cover account reserves, allowing new wallets to hold zero XRP.
Why it matters
The change removes the requirement for stablecoin applications and automated agents to buy and lock XRP before transacting.
Who is affected
XRP Ledger developers, enterprise application sponsors, and users of embedded XRPL wallets.
What's next
Network validators must vote to approve the prerequisite sponsorship amendment, which held 11 of 29 required votes as of Oct. 19.
Primary source
coindesk.com: XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments

Key points

  • XRPL developers proposed the SponsoredAccountCreate transaction on Oct. 15 to allow new accounts to hold zero XRP 1.
  • Sponsors would fund the required 1 XRP base reserve and network fees without obtaining access to users' private keys 1.
  • The underlying sponsorship amendment held 11 of the 29 validator approvals required for activation as of Oct. 19 1.

Developers building on the XRP Ledger submitted a code proposal on Oct. 15 that would allow users to generate onchain accounts without depositing any $XRP, according to the proposal repository 1. The update, termed SponsoredAccountCreate, aims to eliminate onboarding hurdles for applications that handle non-native assets such as Ripple's RLUSD stablecoin or support automated transaction agents 1. At the time of writing, XRP traded around $1.32.

Currently, the XRP Ledger enforces a minimum base reserve of 1 XRP per account to discourage ledger bloat and network spam 1. This mechanism locks capital for high-volume issuers; for instance, deploying 100,000 distinct accounts requires immobilizing 100,000 XRP 1. Under the newly proposed transaction, a sponsoring account locks the reserve on behalf of the newly created address, enabling the destination wallet to function with a zero-XRP balance while leaving private key control solely with the user 1. The system builds on a broader framework that also enables sponsors to subsidize operational gas fees 1.

Governance and Integration Roadblocks

The architectural shift follows Ripple's recent partnership with Stripe subsidiary Privy to provide embedded wallets for applications transacting in XRP and RLUSD 1. That deployment model targets payment flows and automated software, including AI agents, which currently stall without initial XRP funding 1. A similar corporate push toward embedded settlement rails was seen when DriveWealth partnered with Ripple to integrate stablecoins and custody.

Despite the proposed efficiency gains, implementation on the XRP Ledger mainnet faces technical and governance obstacles 1. As of Oct. 28, the pull request contains two unresolved automated code-review findings and relies on the foundational sponsorship amendment, which has not yet secured consensus 1. According to XRPL Dashboard tracking on Oct. 19, the underlying sponsorship amendment had accrued 11 validator votes, short of the 29 approvals required out of the 35 trusted network validators 1.

Sources

  1. [1] XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments — coindesk.com, October 28, 2026

Written by Basis Desk's newsroom system from the primary sources above and machine-verified against them before publication. Market figures marked "at the time of writing" come from live exchange data. Report an error: corrections@basisdesk.news · corrections policy.

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