Scan with your phone to get the appXRP Ledger developers propose creating wallets with zero XRP for stablecoin payments
XRP Ledger developers have submitted a code proposal on Oct. 15 for a new transaction type called SponsoredAccountCreate, which would let an existing account create another account without funding it with the required 1 XRP reserve.
Under this model, a sponsoring account covers the reserve and possibly transaction fees, allowing the new wallet to maintain a zero‑XRP balance while the network’s overall reserve requirement remains unchanged.
The pull request is still open; as of Oct. 19 it has received only 11 of the 35 validator votes needed, far short of the 29 votes required for activation on the mainnet.
The change aims to support Ripple’s partnership with Stripe‑owned Privy for embedded wallets that handle XRP and the RLUSD stablecoin, enabling payment apps and AI agents to operate without pre‑funding each wallet with XRP.
Summary rewritten by AI from the original article by CoinDesk.
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