XRP Ledger developers propose creating wallets with zero XRP for stablecoin payments
An experimental change would let companies cover the reserve for customer and AI-agent accounts, allowing users to start with stablecoins without first acquiring XRP.
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Summary
- XRP Ledger developers are testing a transaction that would let sponsors cover account reserves, allowing new wallets to hold zero XRP.
- The proposal could reduce costs for payment applications and automated software by enabling sponsors to pay users’ reserve requirements and transaction fees without controlling their private keys.
- The code remains under review and depends on a broader sponsorship amendment that had secured only 11 of the 29 validator votes required for approval as of Oct. 19.
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Diversified RWA stablecoins sustain 5-7% yield from real credit as crypto funding compresses to ~4%. GENIUS pushes yield off-chain; TAM grows to $4B in 3 years.
Diversified RWA stablecoins sustain 5-7% yield from real credit as crypto funding compresses to ~4%. GENIUS pushes yield off-chain; TAM grows to $4B in 3 years.
Why it matters:
Diversified RWA stablecoins sustain 5-7% yield from real credit as crypto funding compresses to ~4%. GENIUS pushes yield off-chain; TAM grows to $4B in 3 years.

