OPENING
An open rippled pull request (#8606), opened October 15, 2026, proposes a SponsoredAccountCreate transaction that lets an existing account create a new XRP Ledger account with a zero XRP balance while the sponsor covers the account reserve. Each XRP Ledger account currently has to hold a base reserve of 1 XRP before it can operate.
KEY DETAILS
- An open rippled pull request (#8606), opened October 15, 2026, proposes a SponsoredAccountCreate transaction that lets an existing account create a new XRP Ledger account with a zero XRP balance while the sponsor covers the account reserve.
- Each XRP Ledger account currently has to hold a base reserve of 1 XRP before it can operate.
- The proposal is still under review and depends on the broader Sponsor (XLS-68) amendment, which has not activated on mainnet.
- Under XRPL sponsorship, no XRP is transferred to the sponsored account and its owner keeps full control of their keys.
WHY IT MATTERS
Apps and AI agents could open stablecoin-ready XRPL wallets without pre-funding each one with XRP. (Analysis, not a confirmed fact.)
IMPORTANT CONTEXT
- The reserve requirement itself would not go away; the sponsor would carry it instead of the user.
- XRPL amendments need more than 80% support from trusted validators, held for two weeks, before they activate.
- The change is a proposal, not a live feature, and still needs code review and validator approval.
- This article is informational and is not financial advice. Digital assets are volatile.
SOURCE
- Primary / main source: https://github.com/XRPLF/rippled/pull/8606
- Supporting: https://xrpl.org/docs/concepts/accounts/sponsored-fees-and-reserves
- Supporting: https://www.coindesk.com/tech/2026/10/28/xrp-ledger-developers-propose-creating-wallets-with-zero-xrp-for-stablecoin-payments
- Supporting: https://www.tokenpost.com/news/technology/42672