Owner reserve
4 minDifficulty Checked 2026-11-10- Each owned object locks 0.2 XRP on top of the 1 XRP base reserve.
- Trust lines, offers, escrows, checks and NFT pages all count.
- Below the reserve, an account cannot send XRP or add objects.
Think of the ledger as a shared filing cabinet. Every server keeps a full copy. Each drawer you use costs a small deposit.
The first deposit is the base reserve: 1 XRP to have an account at all. Each extra thing you keep on the ledger adds the owner reserve: 0.2 XRP per item.
Things that count:
- A trust line, so you can hold a token.
- An open offer on the DEX.
- An escrow, a check or a payment channel you created.
- An NFT page. One page holds up to 32 NFTs.
- A signer list, a ticket or a price oracle.
The deposit stays in your balance, locked. You get it back when the item goes away. Close a trust line, cancel an offer or finish an escrow, and 0.2 XRP unlocks.
This is why airdropped tokens can cost you. Accepting an unknown token means adding a trust line, and that locks 0.2 XRP. Unknown tokens are also a common scam lure.
If your free balance drops below the reserve, the account still works, with limits. You cannot send XRP or add new items. You can still pay fees for other transactions, such as removing items.
The total reserve is:
base reserve + owner reserve × OwnerCount
OwnerCount is a field on the AccountRoot entry. It counts the objects the account owns. On mainnet on 2026-11-10 that is 1 XRP + 0.2 XRP per item.
Objects that add to OwnerCount include RippleState (trust lines), Offer, Escrow, Check, PayChannel, DepositPreauth, NFTokenPage, NFTokenOffer, SignerList, Ticket and Oracle. The owner directory itself does not count.
Special cases from xrpl.org:
- Trust lines: usually only the holder's side pays the reserve. An account can open its first two trust lines with only the base reserve. If it was funded with more than 1 XRP, those lines carry the normal reserve.
- NFT pages: the reserve is per page, and a page holds up to 32
NFTokenobjects. - Oracles: one item for one to five
PriceDataentries, two items for six to ten. - Signer lists: lists made before the MultiSignReserve amendment count as several items.
An account below its total reserve cannot send XRP or create reserve-increasing objects. It can still submit other transactions if it can pay the transaction cost. It can also place an OfferCreate to get more XRP.
Read the reserve live with server_info (reserve_base_xrp, reserve_inc_xrp) and an account's OwnerCount with account_info.
Related: Trust lines and issued tokens, Getting reserves back.
- ReservesRead 2026-11-10
- AccountRootRead 2026-11-10
