XRPL Trust Lines Explained How Token Holding Works
Trust lines are the XRPL mechanism for holding non-XRP tokens. Understand how they work and why they matter.
Trust lines are how the XRPL handles non-XRP tokens. Before you can hold any issued token, you must create a trust line to the issuer. This opt-in model reduces unsolicited token spam and gives users control over which assets they accept. A trust line normally adds the current 0.2 XRP owner reserve, with a limited exception for an account's first two trust lines.
| Key facts | |
|---|---|
| Purpose | Enable holding non-XRP tokens |
| Reserve | Usually 0.2 XRP per trust line |
| Creation | User opts in (not automatic) |
| Spam Prevention | Reserve + opt-in model |
| Rippling | Configurable per line |
| Deletion | Set limit to 0 + zero balance |
What Are Trust Lines?
A trust line is a relationship between your XRPL account and a token issuer that allows you to hold their token. Think of it as explicitly saying "I agree to hold tokens issued by this account." Without a trust line, you cannot receive non-XRP tokens.
You choose which tokens to trust. No one can airdrop unwanted tokens.
Each trust line connects you to one specific issuer for one specific token code.
You can set a maximum amount of that token you're willing to hold.
Both parties can see the trust line. The issuer can see who trusts them.
How They Work
1. Issuer creates token
An XRPL account decides to issue a token (e.g., 'USD' from Bitstamp).
2. You create trust line
Submit a TrustSet transaction specifying the issuer and token code.
3. Reserve evaluated
A trust line normally adds the current 0.2 XRP owner reserve. A narrow exemption can apply to an account's first two lines.
4. Receive tokens
Now the issuer (or anyone holding the token) can send it to you.
5. Trade on DEX
With trust lines set, you can trade tokens on the <Link href='/learn/how-to-use-xrpl-dex' className='text-xrp-accent underline decoration-xrp-accent/30'>XRPL DEX</Link>.
Reserve Cost
A trust line normally adds the current 0.2 XRP owner reserve. This XRP is locked rather than burned and becomes available again when the line no longer counts toward the owner reserve. The XRPL has a special exception that can let a new account create its first two trust lines while holding only the 1 XRP base reserve; once the account owns three or more objects, the full owner reserve applies.
| Trust Lines | Typical Total Reserve | Available |
|---|---|---|
| 0 (XRP only) | 1 XRP | All above 1 |
| 5 tokens | 2 XRP | All above 2 |
| 10 tokens | 3 XRP | All above 3 |
| 20 tokens | 5 XRP | All above 5 |
Typical totals assume every line counts toward the owner reserve and no other owned ledger objects. Check the live account state for an exact requirement.
Security Benefits
The trust-line model means an account generally accepts only the issued assets it has opted into. That reduces unsolicited token spam, but it does not make an issued asset safe: verify the issuer and currency before creating a line.
Managing Trust Lines
Setting trust lines
Use Xaman, Crossmark, or any XRPL wallet. Most handle it automatically when you first interact with a token.
Removing trust lines
Return your settings to their defaults and offload any positive balance. If the line is deleted, any owner reserve it required is freed.
Rippling
Configure whether tokens can 'ripple' through your account in payment paths. Default off for most users.
Check before trusting
Verify the token issuer before setting trust lines. Scam tokens exist on XRPL too.
Frequently Asked Questions
What is a trust line?
An opt-in connection between your wallet and a token issuer that allows you to hold their token on the XRPL.
Why do trust lines usually reserve 0.2 XRP?
The owner reserve discourages ledger spam. The first two trust lines can qualify for an exemption when an account holds only the 1 XRP base reserve; otherwise the current owner reserve is 0.2 XRP per item.
Can someone send me tokens without a trust line?
No. You must create a trust line first. This is a security feature preventing token spam.
How do I remove a trust line?
Return your settings to their defaults and offload any positive token balance. When neither side keeps the line in a non-default state, the trust line is deleted and any owner reserve it required is freed.
Do I need trust lines for XRP?
No. XRP is the native token and doesn't require trust lines. Only non-XRP issued tokens need them.
Primary sources
Use these first-party references to verify protocol details and time-sensitive platform information.
Continue Learning
Master XRPL Tokens
Understand trust lines to safely participate in the XRPL token ecosystem.
Last updated: July 27, 2026. Written by the AllAboutXRP Editorial Team.
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