XRP Ledger proposal would let sponsors fund zero-XRP wallets

A proposal submitted on October 15, 2026, would let developers create zero-XRP wallets on the XRP Ledger by having another account pay the required reserve. The change would allow payment apps and automated software to start wallets without depositing XRP into each one, but it would shift the reserve cost to a sponsor, not eliminate it. Key takeaways SponsoredAccountCreate would move account reserve funding to a sponsor. Sponsorship would also let applications pay users’ transaction fees without holding their private keys. The required amendment remains inactive, with 11 of 29 approval votes recorded on October 19.