Ripple (XRP) and Stella (XLM) are special crypto assets that have built-in requirements on minimum balances in order to activate the addresses - this is essentially similar to certain bank accounts that would require a minimum deposit to maintain for funds storage and management.

Once you have at least received 20 XRP/1 XLM in your Crypto.com Wallet in one transaction, the token wallets will be activated and you may start sending funds - while maintaining the minimum balance of 20 XRP/1 XLM in your Wallet.

This is also why your maximum send amount for XRP/XLM = your XRP/XLM balance - minimum balance required.

Ripple’s (XRP) official statement on minimum balance

The XRP Ledger applies reserve requirements, in XRP, to protect the shared global ledger from growing excessively large as the result of spam or malicious usage. The goal is to constrain the growth of the ledger to match improvements in technology so that a current commodity-level machine can always fit the current ledger in RAM and the full ledger history on disk.

To submit transactions, an address must hold a minimum amount of XRP in the shared global ledger. You cannot send this XRP to other addresses. To fund a new address, you must send enough XRP to meet the reserve requirement.

The current minimum reserve requirement is 20 XRP. (This is the cost of an address that owns no other objects in the ledger.) Each new account must set aside this much XRP, which cannot be recovered or sent to others.

You can learn more here.

Stellar’s (XLM) official statement on minimum balance

To prevent ledger spam and maintain the efficiency of the network, Stellar requires small transaction fees and minimum balances on accounts. Transaction fees are also used to prioritize transactions when the network enters surge pricing mode.

You can learn more here.

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