So your new XRPL wallet is generated - nice! One final step stands between you and onchain freedom: funding the account with the minimum 1 XRP reserve. Until that deposit lands onchain, the account stays inactive and can’t receive more assets or sign transactions.

Why 1 XRP?

The XRP Ledger locks a small reserve inside every account to prevent spam. The reserve was lowered from 10 XRP to 1 XRP in December 2024 and remains unchanged as of June 2025. You can’t spend or withdraw this amount unless the network reduces the reserve again.

Below we’ve listed of all the ways to get those first drops of XRP into your wallet. Pick the path that matches the tools you already have, then follow the linked step‑by‑step guides for screenshots and troubleshooting.

Step 1: Choose a Wallet

You’ll need an XRPL‑compatible wallet before you can fund anything. If you haven’t set one up yet:

• Mobile users: Follow our Xaman setup guide →
• Desktop users: Follow our Crossmark setup guide →

Once your wallet shows a fresh address, you’re ready to fund.

Step 2: Funding & Activation Methods

Below are four options. Each link opens a dedicated how‑to with screenshots.

2.1 Buy XRP via Squid’s Fiat On-Ramp (fastest for newcomers)

Use Squid’s built-in fiat on-ramp to purchase XRP with a credit/debit card or local payment method and send it straight to your r-address in one flow.

• Fees: 3–5 % (varies by provider & region)
• ETA: 5–15 minutes
• Guide: Buy XRP with Squid Fiat On-Ramp →

2.2 Send from a Centralised Exchange

Already hold XRP on an exchange like Kraken, Bybit or Binance? Withdraw at least 2 XRP (1 XRP reserve + 1 XRP spendable) to your wallet.

• Fees: Exchange withdrawal fee
• ETA: 5 minutes
• Guide: Send XRP from Your Exchange Account →

2.3 Transfer from Another XRPL Wallet

If you or a friend already has an active XRPL wallet, a simple peer‑to‑peer transfer works.

• Fees: ~0.000012 XRP (network fee)
• ETA: 3–5 seconds
• Guide: Transfer XRP Between XRPL Wallets →

2.4 Bridge to XRP via Squid

Holding ETH, USDC, or other tokens on another chain? Use Squid to bridge straight into native XRP.

• Fees: Variable network & bridge fees
• ETA: 3-5 minutes
• Guide: Bridge Assets to XRP with Squid →

Step 3: Confirm Your Account Is Live

1. Open your wallet
2. Refresh balances - you should see your new XRP minus a label showing “1 XRP reserved.”

Congrats - your wallet is fully active and ready for swaps, payments, NFTs, and more!