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Every XRP Ledger account keeps part of its XRP locked: 1 XRP for existing, plus 0.2 XRP for each thing it owns on the ledger. The XRP stays yours and comes back when the thing is removed. How much is locked for you, and how to free it.
1 XRP
base reserve: to activate and keep an account
0.2 XRP
owner reserve: for each object the account owns
How much is locked in your account
Trust lines (tokens you hold)5
Open orders and NFT offers2
NFTs you own0
Escrows, checks, tickets and other objects0
2.4 XRP
locked in reserve
1 XRP base + 7 objects × 0.2 XRP
Today’s reserves, read from the ledger every hour. Everything above the reserve is yours to spend.
What counts as an object
A trust line for each token you hold. Your first two can be opened with just the base reserve (xrpl.org).
An open order on the exchange, and each NFT buy or sell offer.
A page of NFTs: NFTs are kept in pages of up to 32, and each page counts once.
Escrows, checks, payment channels, tickets, a signer list, and other entries your account creates.
The reserve exists so that each entry kept on every server in the network is paid for by whoever keeps it (why reserves exist).
How to free it
Remove trust lines you no longer use: sell or send the whole balance first (how).
Cancel orders and NFT offers you no longer want; expired ones still count until removed.
Finish or cancel escrows and checks, and close payment channels.
Delete the account to recover all but 0.2 XRP of the base reserve (xrpl.org).
How the reserve has changed
From
Base
Per object
24 April 2013, first recorded
50 XRP
12.5 XRP
5 December 2013
20 XRP
5 XRP
19 September 2021
10 XRP
2 XRP
2 December 2024
1 XRP
0.2 XRP
Set by validator vote. What each level cost in dollars at the time: reserve cost history.
Questions
How much XRP do I need to activate a wallet?
1 XRP. An address exists on the ledger only once it receives at least the base reserve; until then it cannot send anything or hold tokens.
Can I get the base reserve back?
Only by deleting the account. The deletion costs at least one owner reserve (0.2 XRP), which is destroyed, and the rest of the balance goes to an address you choose. The account must be empty of objects first.
Can the reserve change?
Yes. Validators vote on it, and a change applies to every account at once. It has been lowered three times since it was first recorded in April 2013, most recently on 2 December 2024.
Why is my spendable balance lower than my balance?
Because the reserve is part of the balance: 1 XRP for the account plus 0.2 XRP for each object it owns. On xrpl.to, your address page shows the spendable amount and how much is reserved.
