To efficiently manage network resource usage on the Stellar blockchain, every newly created account must possess an initial balance of at least 1 XLM.
Furthermore, holding any token asset within that account mandates a reserve payment of 0.5 XLM to activate a trustline. This trustline serves as an official, pre-authorized link between the asset issuer and the holder.
The process of activating the initial account and establishing each asset trustline requires an on-chain transaction that requires a signature and fees.
Details of this operation are visible on the transactions page.
For instance, consider a scenario where your wallet account holds asset wallets for ten distinct, confirmed Stellar tokens.
Your XLM wallet must, therefore, sustain a minimum reserve of: six XLM:
1 XLM for the base account requirement, plus
5 XLM, which is 0.5 XLM for each of the 10 tokens.
For more information, see the official Stellar documentation on minimum balances and asset structure.