product

XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments

0Importance
closedStatus
2News media
2Pieces
Published
Updated
Since then
1 new report

XRP Ledger developers have proposed a SponsoredAccountCreate transaction that would let another account cover the base reserve for a new wallet. The idea is aimed at letting users, companies, and AI agents start with stablecoins in wallets that hold zero XRP.

Key claims & sources

✓
XRP Ledger developers are testing a transaction that would let a sponsor cover the reserve for a new account, so wallets could begin with zero XRP.
✓
The proposal is meant to let companies pay the base reserve for customer and AI-agent accounts.
✓
A proposed SponsoredAccountCreate transaction would let platforms sponsor a wallet’s base reserve requirement.
✓
The model is intended to support stablecoin payments, embedded wallets, and AI agents while users keep control of their private keys.

What it means

XRP Ledger has long required a reserve in XRP to open and maintain an account, which adds an extra step for anyone trying to use the network without first holding the token. Sponsored account creation changes that setup by separating the reserve from the end user’s wallet, and that is why the proposal is tied to stablecoin payments and embedded accounts. The timing fits a period when payment flows and automated agents are being designed to work with blockchain rails rather than with native-token balances.

For users, the practical change is that a wallet could be created without first buying XRP, while a company or platform covers the reserve instead. That shifts onboarding from token acquisition to application signup, which matters for stablecoin products and for AI-agent wallets that need to operate without extra friction. It also changes which party carries the reserve burden and makes wallet setup a platform design choice rather than a user task.

The trade-off here is between easier access and a more managed account model. XRP Ledger is trying to make payments smoother, but a sponsor-backed reserve also means the network is accommodating accounts that are not funded in the usual way. That tension sits close to a larger question in crypto: whether infrastructure should force users to touch the native asset or hide that step behind a service layer.

What is still unclear is how widely SponsoredAccountCreate will be adopted, which platforms will use it, and how the reserve sponsorship will be implemented in live applications. The proposal is still experimental, so the next concrete checkpoint is whether developers move it from testing into production. The details of custody, account policy, and platform participation will determine how this works in practice.

Market reaction i

XRPXRP the headline names this asset
first headline
0.0% 2 h before
-1.5% 4 h after
$1.33price at publication
12data points

Coverage timeline

Every piece in order, with the time its news medium declares — if it is not believable we use ours and say so — and what it added to what was already known at that point. Arriving first is not the same as adding something.

+2 h 40 m
Oct 28 14:32
Crypto Economy echo
No new facts: transferring, undeployed, onboarding

Has this happened before?