--- title: "XRPL Developers Propose Zero-XRP Wallets to Streamline Stablecoin Payments" description: "A proposed amendment would allow sponsors to shoulder account reserve obligations, removing the requirement that new wallets hold XRP directly." url: https://basisdesk.news/news/xrpl-developers-propose-zero-xrp-wallets-sponsored-reserves published: 2026-10-28T12:01:37.231Z modified: 2026-10-28T12:01:37.231Z section: Tech & Protocols author: Basis Desk Newsroom (AI-generated, source-verified) sentiment: neutral tickers: [XRP] tags: [xrp-ledger, ripple, stablecoins, rlusd, account-abstraction] license: Quote with attribution to Basis Desk (basisdesk.news). Not financial advice. --- # 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. ## At a glance - **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. - **Status:** proposed - **Primary source:** [XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments](https://www.coindesk.com/tech/2026/10/28/xrp-ledger-developers-propose-creating-wallets-with-zero-xrp-for-stablecoin-payments) — coindesk.com ## 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]. ## Editorial remark - **Context:** The XRP Ledger enforces a 1 XRP reserve per account to prevent ledger bloat, presenting a cost friction for institutional rollouts and embedded payment applications [1]. - **Impact:** Enterprises and software agents transacting strictly in assets like RLUSD could deploy wallets at scale without holding native XRP inventory directly [1]. - **Watch:** Validator voting on the underlying sponsorship amendment, which stood at 11 of the necessary 29 votes 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](https://basisdesk.news/news/drivewealth-ripple-partner-rlusd-stablecoin-settlement). 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. [XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments](https://www.coindesk.com/tech/2026/10/28/xrp-ledger-developers-propose-creating-wallets-with-zero-xrp-for-stablecoin-payments) — coindesk.com, 2026-10-28 --- Basis Desk Newsroom · AI-generated, source-verified · https://basisdesk.news/about/how-we-use-ai