How to use XRP account
If you have added your Ripple (XRP) wallet address for the first time, it is disabled. Ripple's policy requires a purchase or transfer of Ripple of 10 XRP or higher to convert the Ripple wallet address to an activated state. Therefore, the corresponding 10 XRP will permanently lock-up at the corresponding wallet address. If a permanent lockup is made at the address of the Ripple wallet, it is assumed that only 990 XRP can be transferred, excluding the 10 XRP, which is the permanent lockup amount.
Users' ripple wallets assigned by the Exchanges use the same address. In other words, User # 1, User # 2, User # 3, all use the same ripple address. To distinguish a user's account from another user, the Exchange will assign a Destination Tag to the user's account, which is an uniquely identifiable number. Therefore, when sending XRP to a recipient wallet address created from the Exchange, you MUST enter the Destination Tag so that the Exchange will complete the deposit to the recipient's wallet account.
Picture above is an example of XRP wallet account created from an Exchange such as Binance. When you press "Deposit" for XRP, it will show the XRP deposit Tag (9-digit unique number). On the bottom, the XRP address is shown.
In the case of a XRP wallet created on a personal wallet such as D'CENT Wallet, there is no destination tag and only the address is created.