Reserves and removing a line

Each trust line you hold locks 0.2 XRP of your balance. This is the owner reserve. It is a deposit, not a fee. It comes back when the line is gone.

New accounts get a small head start. While an account owns two or fewer objects, a new trust line needs no extra reserve. So an account with only the 1 XRP base reserve can still open its first two lines. If the account holds more than 1 XRP, those lines lock the normal 0.2 XRP each.

Unused lines add up. Ten lines to tokens you no longer want can lock 2 XRP.

A trust line deletes itself when two things are true:

• The balance is zero.
• Both sides' settings are back to default. For you, that means a limit of 0 and no other changes.

To remove a line:

1. Empty it. Send the tokens to someone, sell them on the DEX, or send them back to the issuer, which destroys them.
2. Set your limit to 0 and undo any settings you changed.

Most wallets do step 2 with one "remove" button. A tiny leftover balance keeps the line alive, so empty it first.

Who pays. A line counts toward an account's owner reserve when that account's side is not in its default state, or when it holds a positive balance. In the usual case the holder pays and the issuer does not. The lsfLowReserve and lsfHighReserve flags on the RippleState entry show which side is charged.

Default state for your side:

The Authorized flag is ignored here, because it cannot be cleared.

Free lines. When an account creates a line and owns at most 2 objects including that line, the owner reserve is treated as zero. With 3 or more objects, the full reserve applies.

Delete steps.

1. Bring the balance to 0 with a Payment or an OfferCreate.
2. Send TrustSet with LimitAmount.value set to "0". Add tfSetNoRipple if your account has Default Ripple off and you had cleared No Ripple.

If you are the issuer, or the other side's settings are not default, the line stays. Your side can still stop counting toward your reserve.

To confirm, check that the line is gone from account_lines and that OwnerCount in account_info fell by 1.

A remaining trust line blocks AccountDelete. See Getting reserves back.