What is the XRP Reserve Fee?

Before using an XRP wallet, you need to understand the Reserve Fee.

Key points

Purpose: The Reserve Fee is a small, mandatory balance that prevents spam and excessive account creation on the XRP Ledger.

Base Reserve: Every XRP wallet must hold a minimum of 1 XRP. This amount is locked and cannot be spent.

Owner Reserve: Additional reserves apply when creating new trust lines, issuing tokens, or adding features.

Dynamic rules: The reserve requirement can be updated by validator consensus, keeping the network stable as usage grows.

How to activate your XRP wallet in Wraith Wallet

Open your wallet and enable XRP by toggling it on.

Copy your unique XRP receive address.

Send XRP to this address (at least 1 XRP).

Once the funds arrive, the wallet will deduct 1 XRP automatically as the Reserve Fee. This will appear as “Reserved” in your balance.

⚠️ Note: If you only send exactly 1 XRP, your available balance will show as 0 XRP because the entire amount is locked.

Does Wraith Wallet keep the reserve fee?

No. Wraith Wallet is non-custodial and does not hold or profit from reserve fees.

The Reserve Fee is enforced directly by the XRP Ledger.

All reserved XRP stays locked on-chain under your own wallet address.

Wraith Wallet only facilitates access and never controls your funds.

Summary The Reserve Fee is an important rule of the XRP Ledger, ensuring security, efficiency, and protection against spam. With Wraith Wallet, you remain in full control of your funds while automatically complying with the ledger’s requirements.

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