Category: Market · Source: CoinDesk · Published: 2026-10-28T11:52:14+00:00

XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments

Summary

XRP Ledger developers have proposed an experimental change to allow wallets to be created with zero XRP balance. This proposal aims to let companies cover the required reserve for customer and AI-agent accounts, enabling users to begin transactions using stablecoins without first acquiring XRP. The initiative is currently a proposal and has not yet been implemented or shipped. It targets specific use cases involving corporate-sponsored accounts and agentic interactions, removing the initial barrier of holding the native asset for stablecoin-based payments.

Key impact

This proposal lowers entry barriers for AgentFi by allowing AI agents to hold stablecoins without native XRP reserves.

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