In order to keep the XRP ledger from growing excessively large and stopping people generating new addresses all the time each ripple address must maintain a balance of at least 20xrp. When XRP were $0.20 each this was only about $4 but now this is going to cost between $60 and $70.
I understand that some exchanges must use shared addresses to get round this but some such as poloneix warn you when depositing xrp that 20xrp will be held in that address.
If Coinbase open up to xrp how will they deal with it? Will they use a shared address or will they warn people that they risk tying up possibly hundreds of dollars creating a new address?
This fee is changeable if voted on every 256th ledger and maybe because of the rise of the price of xrp could come down to 1 or 2 xrp in reserve.
To read more about the reserve fund-
https://ripple.com/build/reserves/
Feel free to comment below.