Trust lines and owner reserve

Published by XRPline · Updated 20 October 2026

Each trust line is usually one owned object counted in OwnerCount. Reserve locked ≈ base reserve + OwnerCount × incremental reserve (often ~0.2 XRP per object after 2024 fee voting). Empty lines still count until removed with TrustSet limit 0.

Worked example (illustrative)

Suppose base reserve is 1 XRP and incremental is 0.2 XRP. An account with OwnerCount 5 locks about 1 + 5×0.2 = 2 XRP before fees. Three empty trust lines you never use still contribute up to ~0.6 XRP of that lock until closed.

Cleaner workflow

Cleaner tab estimates freeable incremental reserve from zero-balance lines. You still sign each removal in your wallet; XRPline does not batch-sign for you.

Reserve recap

Account reserve on XRPL is locked XRP, not a fee. Total reserve ≈ base reserve + (OwnerCount × incremental owner reserve). After network fee voting in late 2024, many operators cite ~1 XRP base and ~0.2 XRP per owned object — always verify live values in your wallet or in XRPline’s network strip.

Each new trust line usually increases OwnerCount by one unless an exemption applies (see first two trust lines). Closing an empty line with a zero balance and a cleared limit can reduce OwnerCount and return incremental reserve once the ledger accepts the transaction.

Using XRPline safely

XRPline is a non-custodial TrustLine manager for the XRP Ledger. You connect a wallet or paste a classic address for read-only previews; when you create, change, or remove lines, your wallet signs the TrustSet payload. We never ask for seed phrases or private keys.

Reserve figures, freeze flags, and line tables come from public ledger reads and XRPSCAN API surfaces documented on Methodology. Confirm live base and incremental reserve via server_state before you budget XRP for new lines.

TrustSet, tecNO_LINE, and IOU receipts

This page (guides/trustlines-and-reserves/) sits in the XRPline trust line cluster for xrpline.org. On ledger, issued assets are never identified by ticker alone: every IOU payment path resolves to a currency code plus issuer classic address. When a receiver lacks that RippleState, validated payments commonly end with result code tecNO_LINE rather than crediting balance.

Creating or updating a line is always a TrustSet transaction. LimitAmount.value sets the maximum IOU balance you accept from that issuer. Setting value to zero after clearing balance removes the object and typically lowers OwnerCount. Wallets may hide the JSON, which is why XRPline exposes a Sign TrustSet preview before you approve.

Native XRP transfers do not use this mechanism. If you only hold XRP, reserve math still applies (base plus owned objects), but you will not see tecNO_LINE for missing IOU lines.

OwnerCount, incremental reserve (~0.2 XRP), and Cleaner

Account reserve on XRPL is locked XRP, not a fee. Total reserve ≈ base reserve + (OwnerCount × incremental owner reserve). After network fee voting in late 2024, many operators cite ~1 XRP base and ~0.2 XRP per owned object — always verify live values in your wallet or in XRPline’s network strip.

Each new trust line usually increases OwnerCount by one unless an exemption applies (see first two trust lines). Closing an empty line with a zero balance and a cleared limit can reduce OwnerCount and return incremental reserve once the ledger accepts the transaction.

Users feel “missing XRP” when spendable balance is low even though total balance looks fine. That gap is often reserve, not theft. Each trust line you open for an airdrop or exchange token usually adds one owned object until you remove it.

XRPline Cleaner sorts zero-balance lines so you can reclaim multiple increments of incremental reserve after campaigns. You still sign one TrustSet per removal — we do not batch-sign and we never hold keys.

Issuer verification before you sign

Scammers exploit ticker collisions: two unrelated projects can both display similar three-letter codes with different issuers. Before any TrustSet, copy the issuer r-address from official documentation and match it character-for-character in the signing payload.

Use issuer lookup, issuer discovery guide, and explorer account flags (freeze, authorized trust lines, clawback) documented in Glossary. Risk tab heuristics prioritize review; they are not purchasable rankings and not financial advice — see Methodology.

FAQ

Does lowering limit free reserve?

No — only deleting the object (limit 0 with zero balance) reduces OwnerCount. Confirm details on ledger explorers and in XRPline Manager before you Sign TrustSet.

Related

Reserve calculator · Incremental reserve · Empty lines locked XRP