XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments
Summary
XRP Ledger developers have proposed SponsoredAccountCreate, a transaction that would let an existing account cover the reserve requirement for a new account, allowing users to create wallets with zero XRP. The sponsor would bear the reserve cost, while broader sponsorship features could also cover transaction fees without controlling users’ private keys. The change could simplify embedded wallets and automated payments, which currently need XRP even when used only for stablecoins. The proposal remains an open pull request and depends on sponsorship changes that have not been activated on mainnet. As of Oct. 19, the required validator amendment had 11 of 35 votes, below the 29 needed.
