How to Create an XRPL Token Token Issuance Guide
Issue your own token on the XRP Ledger in minutes. No smart contracts required — tokenization is native.
Creating tokens on the XRP Ledger is a native protocol feature. Any account can issue tokens representing stablecoins, real-world assets, or community tokens. Holders need trust lines, and issuers can configure freeze, clawback, and transfer fees.
| Key Facts | |
|---|---|
| Cost | ~10 XRP (reserve) |
| Contracts | Not needed |
| Time | Minutes |
| Trust Lines | Required for holders |
| Settings | Freeze, clawback, fees |
| Standard | Native issued currencies |
Token Issuance on XRPL
Unlike Ethereum's ERC-20 smart contracts, the XRPL has token issuance built into the protocol. Tokens inherit XRPL speed, low fees, and trade immediately on the built-in DEX.
Native feature. No code to write, audit, or worry about exploits.
Token is immediately tradeable once issued.
Freeze, transfer fees, clawback at issuance.
Holders opt-in via trust lines. Prevents spam tokens.
Step-by-Step
1. Create issuing account
New XRPL account for issuance. Fund with 10+ XRP for reserve.
2. Configure settings
Set DefaultRipple, decide freeze/clawback. Hard to change later.
3. Choose token code
3-char code (USD) or up to 160-bit hex for longer names.
4. Set up trust lines
Recipients create trust lines to your address for your token.
5. Send tokens
Issue by sending Payment from issuer to trust line holders. Created on send.
Token Settings
| Setting | Description | Use Case |
|---|---|---|
| Default Ripple | Allows token to flow through account | Required for most |
| Global Freeze | Freeze all issued tokens | Regulatory compliance |
| Individual Freeze | Freeze specific holder | AML/compliance |
| Clawback | Reclaim from holders | Regulated assets |
| Transfer Fee | Charge % on transfers | Revenue |
| No Freeze | Permanently disable freeze | Decentralization |
Distribution
Distribute via payments, airdrops, or the XRPL DEX. Use the AMM to bootstrap liquidity.
Create an AMM pool pairing your token with XRP or RLUSD. Gives immediate price discovery and trading.
Use Cases
Stablecoins
Dollar-pegged tokens. RLUSD is Ripple's example.
Real-World Assets
Tokenize real estate, commodities, securities.
Community Tokens
Governance or reward tokens for projects.
Loyalty Points
Brandcoin loyalty programs redeemable for goods.
Frequently Asked Questions
Continue Learning
Build on the XRP Ledger
Create tokens, trade on the DEX, and explore the XRPL ecosystem.
Last updated: February 15, 2026. Written by the AllAboutXRP Editorial Team.
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