The answer
XRPL accounts have reserve requirements that affect the spendable portion of a balance. The exact reserve rules can change with network governance.
What to do next
Check the account’s current reserve and owner objects using a trusted XRPL explorer. Avoid relying on a historical fixed XRP minimum published years ago.
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Trezor hardware wallet
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Frequently asked questions
Is my entire XRP balance always available to send?
No. Reserve requirements can temporarily lock part of the balance for an active account.