Tokens and NFTs · Lesson 2 of 4

Trust lines

To hold a trust line token, you first say you're willing to. Nobody can push one on you.

Any account can receive XRP. A trust line token is different: you can only hold it after you've chosen to, by setting up a trust line to its issuer with a limit on how much you're willing to hold.

The rule behind it is simple: nobody can make you hold a token you don't want. Other people's payments can't push your balance past the limit you set.

Each trust line takes up space in the ledger, so it adds to your account's reserve while you hold the token or have changed its settings.

Issuers have options that XRP doesn't. They can charge a fee each time their token moves between other accounts, and they can freeze trust lines, which limits how the tokens on them can be used. It's worth knowing an issuer's settings before you trust it.

Sources

• Trust Line Tokens (xrpl.org) (checked 2026-10-22)
• Tokens (xrpl.org) (checked 2026-10-22)

General information about how the XRP Ledger works, not financial, legal or tax advice.