The Stellar network reserves a small number of lumens from each account. This reserve acts as an anti-spam counterweight, discouraging order book manipulation and the creation of empty accounts on the ledger.
Currently, Stellar requires small reserves for:
- having an account = 0.5 XLM
- each open order = 0.5 XLM
- each token in your wallet or trustline you have open = 0.5 XLM
So for example, an account holding MOBI and XLM and with a trustline open to BTC✧Stemchain and 6 open orders would require a reserve of 5 lumens.
Your account’s reserve is still yours and can be withdrawn when you zero-out your non-lumen balances. For information about your network reserve, check “Stellar Network” under “Account Settings.”