I had 1 XRP locked in my wallet and had no idea why. Turns out I'd added 5 trustlines and forgotten about them. Here's how XRPL reserves actually work: activating a wallet costs 1 XRP. That's just to exist on the ledger. Then every trustline you add locks another 0.2 XRP on top. Not a fee, it's a reserve. You get it back when you remove the trustline. So if you've got 10 trustlines sitting in your wallet, that's 1 XRP base + 2 XRP locked in reserves. Funds you can't spend until you clean house. Most users have no idea this is happening. They just see their spendable balance shrinking and assume they spent it. For developers building on XRPL: this isn't a minor detail. It changes how you design onboarding flows. A new user activates a wallet, immediately adds a trustline, and suddenly 1.2 XRP is untouchable. That's real money at current prices. The reserve system exists to prevent ledger spam. Understood. But most wallets explain it terribly.