Reserve requirement
A minimum XRP balance every ledger account must hold, plus a smaller amount per object it owns.
The base reserve keeps an account active; the owner reserve is added for each trust line, offer or NFT page the account holds.
The reserve is not a fee — it stays in the account — but it cannot be spent, so a new wallet needs to be funded with more than the amount you plan to trade. Check xrpl.org for the current values, which validators can change by amendment.