XRP Ledger Developers Propose Supporting Zero-XRP Wallets for Stablecoin Payments

TechFlow, Oct. 28 — According to CoinDesk, XRP Ledger developers submitted a code proposal on Oct. 15 to introduce the SponsoredAccountCreate transaction. This transaction allows existing accounts to create new accounts and cover their reserves, enabling new wallets to operate with a zero XRP balance. The XRP Ledger currently requires each account to lock 1 XRP as a reserve, meaning creating 100,000 accounts would lock 100,000 XRP. Under the new mechanism, the network's overall reserve obligation remains unchanged, with costs borne by sponsors, who can also pay transaction fees on behalf of users.

The proposal builds on the Sponsored Fees and Reserves standard, and sponsors do not control users' private keys. Ripple recently partnered with Privy, a Stripe subsidiary, to launch embedded wallets supporting XRP and RLUSD stablecoin payments, including automated payments for AI agents. These wallets currently must be funded with XRP before activation. The Pull Request remains open, and two automated code review findings are still unresolved.

Source: TechFlow