# How to use XRP account

## Ripple (XRP) account activation

If you have added your Ripple (XRP) wallet address for the first time, it is disabled. [Ripple's policy](https://xrpl.org/reserves.html) **requires a purchase or transfer of Ripple of 1 XRP or higher** to convert the Ripple wallet address to an activated state. Therefore, the corresponding 1 XRP will permanently lock-up at the corresponding wallet address.\
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If a permanent lockup is made at the address of the Ripple wallet, it is assumed that only 99 XRP can be transferred, excluding the 1 XRP, which is the permanent lockup amount.

{% hint style="warning" %}
Depending on the exchange services, transferring fund to an inactive XLM account address may be restricted. 
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## XRP Destination Tag

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. \
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**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**.

<div align="left"><img src="https://3989759490-files.gitbook.io/~/files/v0/b/gitbook-legacy-files/o/assets%2F-M50hxCNYm5Y8rdrUs_k%2F-M5utPg6tMJHuPgaVL0Y%2F-M5uyP1Wye2urqz5157D%2Fexchange_xrp_address_EN.png?alt=media&#x26;token=533ad0ce-1d1d-40b2-a2a4-cc95eaee30d9" alt=""></div>

## Example of XRP account created from an Exchange

<div align="left"><img src="https://3989759490-files.gitbook.io/~/files/v0/b/gitbook-legacy-files/o/assets%2F-M50hxCNYm5Y8rdrUs_k%2F-M5utPg6tMJHuPgaVL0Y%2F-M5uxFibo6yAsA5KuN9H%2Fexchange_xrp_account_EN.png?alt=media&#x26;token=5fb44e4e-3a32-4b82-9e8f-da9df2466f1b" alt=""></div>

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.

{% hint style="info" %}
When sending funds to the Ripple wallet address that exists on the Exchange, you must enter the Destination Tag.
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## XRP wallet created on D'CENT Wallet&#x20;

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.&#x20;

{% hint style="info" %}
Personal wallet such as D'CENT Wallet does not have a Destination Tag for its XRP account.
{% endhint %}