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June 19, 2026· 6 min read

How to Create a Trustline on XRPL (Step-by-Step Guide)

What a Trustline Actually Is

You just found a token on the XRP Ledger you want to hold. You go to swap it, and nothing happens. No error message, just silence. The reason is almost always the same: you haven't created a trustline yet.

On XRPL, your wallet doesn't automatically accept every token that exists. You have to explicitly tell the network you're willing to hold a specific token from a specific issuer. That declaration is the trustline. It's a ledger entry that links your address to an issuer's address for a given currency code.

This is different from how tokens work on Ethereum or Solana, where your wallet can receive any token without prior setup. On XRPL, the trustline is a required step, and it has real costs attached to it.

The Reserve Requirement You Need to Know

Every trustline you create increases the reserve your wallet must hold in XRP. The XRPL base reserve is currently 1 XRP, and each object you add to the ledger, including trustlines, costs an additional 0.2 XRP owner reserve.

So if you create five trustlines, you're locking up at least 1 XRP plus 1 XRP in owner reserves. That XRP isn't lost, but it can't be spent until you delete the corresponding ledger objects. If your balance drops below the required reserve, your account becomes restricted.

Know this before you set up trustlines for tokens you're only mildly curious about.

How to Create a Trustline: Step by Step

The process is straightforward once you know the mechanics. Here's how it works using the most common method, through a wallet interface.

Step 1: Find the token's issuer address

Every token on XRPL is identified by two things: a currency code and an issuer address. The currency code might be something like USD or FOO or a 40-character hex string for tokens with longer names. The issuer address is a standard XRPL address starting with r.

You need both. Getting the currency code wrong or using the wrong issuer address means you're creating a trustline for a different token entirely, possibly one with no value or a counterfeit.

Step 2: Open your XRPL wallet

Xumm (now Xaman), Crossmark, and GemWallet all support trustline creation. Each has a slightly different UI, but the underlying transaction is the same.

In Xaman, go to your account, tap the plus icon to add an asset, and search for the token. If it's listed in their curated registry, you'll see it with the correct issuer pre-filled. If it's not listed, you can add it manually by entering the currency code and issuer address yourself.

Step 3: Set a limit

When you create a trustline, you set a trust limit. This is the maximum amount of that token you're willing to hold. It's not a cap on what you'll actually receive, it's more of a declaration of your maximum exposure.

Most users set this to a high number or the maximum value the field allows. The limit doesn't affect your ability to trade below it. Some wallets set a default automatically.

Step 4: Sign and submit the transaction

The wallet will prepare a TrustSet transaction and ask you to sign it. There's a small XRP transaction fee, typically 0.000012 XRP at standard load. Once confirmed, the trustline exists on the ledger and you can receive or trade that token.

Step 5: Verify the trustline was created

You can verify by checking your account on an XRPL explorer like xrpscan.com or livenet.xrpl.org. Look under your account's trust lines or assets section. You should see the new entry with the issuer address and your set limit.

Creating a Trustline via Code

If you're building something or want more control, you can create trustlines programmatically using xrpl.js or xrpl-py.

Here's the core structure of a TrustSet transaction in JavaScript:

const trustSetTx = {
  TransactionType: "TrustSet",
  Account: "your_wallet_address",
  LimitAmount: {
    currency: "USD",
    issuer: "issuer_address_here",
    value: "1000000000"
  }
};

You'd then autofill, sign, and submit this through the XRPL client. The ledger applies it the same way a wallet UI would. The reserve cost is identical.

The Risk You Shouldn't Skip Past

Creating a trustline is a low-friction action, and that's exactly why it's risky. Anyone can issue a token on XRPL with any currency code. There are tokens named after legitimate projects that are issued by completely unrelated addresses. If you create a trustline to the wrong issuer, you might end up holding a worthless token with the right name.

This is a real problem on XRPL because the ledger is permissionless. Token issuance requires no approval. A bad actor can create a token called USDC issued from their own wallet, and nothing stops you from trusting it if you're not checking the issuer address carefully.

Verifying the issuer address against an official source before you create the trustline is not optional. It's the step most people skip.

How Rhyzlo Fits Into This

Rhyzlo is built specifically for this verification problem. Before you create a trustline, you can use Rhyzlo to check whether a token issuer on XRPL has a verified trust profile. Rhyzlo aggregates issuer data, links it to verifiable identity signals, and gives you a clearer picture of who's behind an address before you extend trust to it.

This is especially useful if you're evaluating a newer token that isn't yet in a wallet's curated list. Instead of relying on a forum post or Telegram message for the issuer address, you can cross-reference it on Rhyzlo before you sign anything.

Deleting a Trustline

You can remove a trustline you no longer want. The conditions are simple: your balance of that token must be zero, and any offers you've placed involving that token must be cancelled.

Once those conditions are met, you submit another TrustSet transaction with the limit set to zero. The ledger removes the entry and releases the 0.2 XRP owner reserve back into your spendable balance.

This makes it worth cleaning up trustlines for tokens you no longer hold. Every one you remove gives you 0.2 XRP back.

Quick Reference

  • A trustline requires the currency code and issuer address of the token
  • Each trustline costs 0.2 XRP in owner reserve
  • You can create trustlines through wallets like Xaman or programmatically via xrpl.js
  • Always verify the issuer address before signing
  • You can delete a trustline once your token balance is zero

Start with Verified Issuers

Creating trustlines is simple. Creating them safely takes one extra step: knowing who you're trusting. Check issuer verification on Rhyzlo before you connect your wallet to a new token. Visit rhyzlo.com to look up token issuers on XRPL.

Check any XRPL token before you trust it.

Go to Rhyzlo →