XRP Ledger developers test zero-XRP wallets

XRP Ledger developers are testing a way to create accounts with a zero XRP balance, letting apps and AI agents spin up wallets without pre-funding each one — removing what backers describe as a key friction point for mass adoption. The change targets the ledger's 1 XRP minimum reserve, which currently forces every new wallet to hold XRP before it can transact, blocking customers and AI agents from starting with stablecoins like RLUSD alone.

The work is at the proposal/testing stage, with no confirmed timeline or implementation details disclosed.