**There is a 20 XRP reserve requirement for all XRP ledger accounts on the network. When you activate an account you will not get these funds back until the network lowers the reserve requirement.**

Toast Wallet is a general purpose wallet for everyday sending and receiving XRP.

Your XRP account secrets are encrypted on your phone and never leave your phone. This wallet app is open source and anyone can verify it.

Features include:
- Send and receive XRP
- View your account balances
- View your account transactions
- Generate a new addresses
- Backup your wallet into a portable format
- Heavy duty encryption to keep your secrets safe on your phone
- Trustline / token support
- DEX support
- Issue your own currency / IOUs
- Offline transaction signing and submission

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