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XRP Ledger upgrade may let banks pay fees, making XRP ownership optional for users.

Protocol Fundamentals
01 Aug 2026
BeInCrypto
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Neutral
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The upcoming XRP Ledger upgrade proposes that banks or platforms can pay transaction fees and reserve XRP on behalf of users, removing the current requirement for every user to own XRP. This change aims to lower barriers for new users and institutional tokenization by allowing account holders to interact with the network without purchasing XRP. While this could reduce demand from everyday users, platforms onboarding many accounts might need more XRP overall. Validators must approve the upgrade with 80% support for two weeks before it activates, with the release expected soon.

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