Why can’t I withdraw my 20 XRP reserve amount?The issue is that for safety reasons, Ripple currently has no way to remove the account root ledger node to completely remove a Ripple account.Since the reserves exist to help limit the size of the current ledger, any undeletable ledger node requires a non-refundable XRP reserve (although if the XRP reserves are lowered, as they have been in the past, the difference becomes spendable again). Note that a Ripple account can use all their XRP in transaction fees, just not in payments or trades.