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Following
XRP 
RLUSD The XRP ledger community is divided on reserve cuts
Disagreements have arisen within the XRP ledger community over whether further reductions in reserves will help lower barriers to entry or weaken protection against spam and resource abuse.
Points
Verifier Hussein Zangana (known as Vet) opposes another cut in reserves in the absence of equivalent cyber protection measures.
Proponents believe that lower account activation costs will help attract users who are unfamiliar with cryptocurrencies to join.
Critics warn that too low reserves may encourage spam, disposable wallets and online resource attacks.
XRPL Reserve Cost
Zangana is the community director of the XRP Ledger Foundation and a dUNL validator. He said in an X post on July 20 that reserves have fallen significantly since the launch of XRPL. In 2012, after the Internet required 1000 XRP to activate accounts, Jed McCaleb reduced the base reserve to 200 XRP. Subsequently, through a validator vote, the basic reserve was reduced to 1XRP, and an additional 0.2 XRP of owner reserve was required for each token or ledger object held. This owner reserve applies to assets such as Ripple USD (RLUSD) and USD Coin (USDC), as well as each of up to 32 non-homogeneous tokens. Zangana said early cuts were reasonable because XRP prices had increased and server capacity had improved, but further cuts required more caution.
"We must be very careful when we reduce reserves at will," he wrote."Reserves exist for clear reasons, and safety always comes first. Discussions should start from this point." He pointed out that reserves raise the cost of creating accounts on a large scale, and that such behavior can consume storage and memory or fuel spam and distributed denial of service attacks. Zangana said he would consider reducing reserve requirements only if current safeguards were retained, while he refused to compensate for lower reserves with higher transaction costs.
XRP adoption risk
Community member Daniel Keller said that reducing reserves can reduce the cost of acquiring customers when sponsors activate accounts for users with little experience in encryption. Keller also questioned whether the risk of spam was exaggerated, pointing out that XRPL had handled high-load activities without causing major problems due to reduced reserves. Chris Thompson raised the opposite concern, arguing that lower account creation costs could make one-time wallets easier to generate, broadening the potential attack surface.
The controversy comes as only 43% of XRPL nodes adopt version 3.2.0, despite achieving a 30% to 40% reduction in memory usage and other performance improvements. Since 2012, the reserve system has been adjusted many times as XRP prices, hardware capacity and network usage have changed, but each reduction requires verifiers to weigh the entry threshold against the cost of shared ledger resources.
