XRP Ledger Tests Zero-Balance Account Creation Proposal, Sponsors to Cover Reserve Requirements

XRP Ledger developers are testing a new feature that allows the creation of blockchain accounts with an initial balance of zero. This aims to have existing accounts cover the reserve required for new accounts, thereby lowering the financial barrier for payment applications and automated software to create wallets on a large scale. The proposal was submitted on October 15 in the form of a SponsoredAccountCreate transaction. According to current rules, each account must maintain at least 1 XRP as a reserve, meaning creating 100,000 independent accounts would require locking up 100,000 XRP. The new proposal intends for the sponsoring accounts to bear this reserve requirement, and in the future, applications may also be allowed to pay transaction fees on behalf of users, although the overall reserve requirement for the network will not be eliminated. This feature is expected to lower the entry barriers for scenarios such as embedded wallets, RLUSD stablecoin payments, and AI agent automated payments. Currently, the related code is still under review, and the sponsoring mechanism has not yet gone live on the mainnet. As of October 19, the mechanism has only received 11 votes from the 35 required validators, still falling short of the 29 votes needed for approval.

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