Reserves & Fees
XRPL wallets need a reserve.
XRPL uses reserves to reduce spam and ledger bloat. Fees are usually tiny and are burned, not paid to validators.
Base Reserve
The minimum XRP required to keep an account active.
Owner Reserve
Extra reserve required for objects like trust lines, offers, escrows, and signer lists.
Transaction Fee
A small amount of XRP destroyed with each transaction to prevent spam.