Why does Ripple have a minimum balance?

Ripple is a special asset that has built-in rules on minimum balances. Just like some bank accounts, where you have to maintain a minimum deposit, in order to activate and use Ripple you must deposit and maintain greater than 20 XRP (Ripple) into your Exodus Ripple address.

Once you have 20 or more Ripple (XRP) your account will activate and everything will be just like you are used to with Bitcoin, Ethereum or any other Exodus asset.

The easy way around this is to just deposit 20 or more (XRP) Ripple on your very first deposit.

If you deposit any number under 20 Exodus will show a 0 balance until a total of 20 or more Ripple are deposited. For example, if you deposit 10 Ripple, Exodus will NOT show the deposit. You must deposit 10 additional Ripple for Exodus to first open and activate the account.

More info, history and background on Ripple (XRP) below…


The Ripple asset is unique in that unlike other assets Ripple enforces reserve requirements in order to protect the shared global ledger from growing excessively large as the result of spam or malicious usage.

Ripple's Official Stance

The goal is to constrain the growth of the ledger to match improvements in technology so that a current commodity-level machine can always fit the current ledger in RAM and the full ledger history on disk.

To submit transactions, an address must hold a minimum amount of XRP in the shared global ledger. You cannot send this XRP to other addresses. To fund a new address, you must send enough XRP to meet the reserve requirement.

The current minimum reserve requirement is 20 XRP. (This is the cost of an address that owns no other objects in the ledger.)

You can read more information on the  Ripple reserve requirements in the official documentation.

How Exodus Handles XRP Minimum Balances

Similar to how Exodus requires a minimum Ethereum balance to exchange ERC20 tokens, Exodus also requires a small amount of Ripple to be stored in your wallet to remain in compliance with Ripple's enforced reserve requirements.

  • By default, Exodus enforces a minimum balance of 20 XRP. If your Ripple address in Exodus has less than this minimum balance, clicking on the "Receive" tab will display a modal (popup) with this warning to alert you of the situation:

    Please note that you will not be able to send Ripple while the balance in your Exodus wallet remains below 20 XRP.

  • If your Ripple address in Exodus contains below 50 XRP, you will be alerted that your balance is low as a friendly reminder that transacting XRP may bring you below the minimum reserve requirement. This warning is displayed in the upper right-hand corner of Exodus when viewing your Ripple wallet:
    Users with the "Low Balance" warning will still be able to transact with Ripple but should remain mindful of dipping below the enforced 20 XRP minimum.
  • Once your balance exceeds 50 XRP, all of these notifications will disappear from the Exodus UI. Should you dip below these pre-established amounts, Exodus will once again display these warning messages.
  • When exchanging other assets for Ripple, Exodus will always make sure that the user will receive more than 50 Ripple to ensure these XRP-centric minimums are followed.