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Why XRP, Stellar and TRON make you pay to open a wallet

You install a wallet, share your address, a friend sends you a few dollars of XRP โ€” and nothing arrives. Or it arrives, but part of it is locked and cannot be sent. This is not a bug: several popular networks charge for the right to exist on the ledger.

Account reserves: XRP and Stellar

On the XRP Ledger an account must hold a base reserve of 1 XRP before it exists; a smaller transfer to a new address fails. Each token line, offer or other object you add locks another 0.2 XRP. Stellar works the same way: a minimum balance of 1 XLM, plus 0.5 XLM for every trustline or offer.

The reason is spam protection. Every validator stores every account forever, so the ledger makes you keep a deposit.

Activation fees: TRON

A brand-new TRON address must be activated, which burns about 1 TRX. Moving USDT (TRC-20) also costs "energy", paid in TRX if you have none staked โ€” today โ‰ˆ$9.41 in TRX energy. A friend who receives USDT on TRON cannot move it until they buy TRX.

Existential deposits: Polkadot

Polkadot requires every account to keep a minimum balance, the existential deposit. If a balance drops below it, the account is removed and the remainder is lost.

Rent: Solana

Solana accounts must hold a small rent-exempt balance โ€” โ‰ˆ0.001 SOL rent for a new account (โ‰ˆ$0.11) โ€” and every token needs its own token account, which also costs rent.

Gas: Ethereum, BNB Chain, Avalanche

No reserve, but every move needs the native coin. Receiving USDC on Ethereum is free; sending it on requires ETH.

No reserve at all: Nano

Nano has no reserve, no activation, no rent and no gas: a brand-new address can receive any amount and send it on right away. That is why a gift of a few cents works on Nano and fails almost everywhere else. Compare every coin on one page, or get a free Nano gift and see it yourself.

Questions people ask

Why do I need 1 XRP to activate a wallet?

The XRP Ledger requires every account to hold a base reserve, currently 1 XRP, to prevent spam. Smaller transfers to a new address fail, and the reserve itself cannot be sent.

Why can't I send USDT on TRON?

Moving TRC-20 tokens costs energy paid in TRX. If your wallet holds no TRX, you need to buy some first.

Which crypto wallet needs no activation?

Nano: no reserve, no activation fee and no gas. A new address can receive and send any amount immediately.

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