XRP Ledger developers are testing a SponsoredAccountCreate transaction, submitted Oct. 15, that lets an existing account create a new account and cover its reserve, so new wallets can hold zero XRP. Each account currently must lock a minimum of 1 XRP, so a company creating 100,000 accounts would need 100,000 XRP; under the proposal, the sponsor would pay this reserve without controlling users' private keys and could also cover transaction fees. The change would support Ripple's embedded wallets built with Stripe-owned Privy for XRP and RLUSD payments, including AI-agent payments, which currently need XRP funding to become active. The code remains under review with two unresolved automated findings and depends on a sponsorship amendment that had secured 11 of the 29 validator votes required as of Oct. 19.
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Related tickers and likely impact
XRP/USDT
• NeutralXRP
Relevance: low
| Market | Crypto |
|---|---|
| Exchange | Binance |
| Sector | Layer 1 |
| Market cap | $82.0B |
| Close on 10/27/2026 | 1.33130 |
| Change that session | +1.69% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
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