diff --git a/src/test/jtx/mpt.h b/src/test/jtx/mpt.h
index cf6b017f8e..7de6425b9d 100644
--- a/src/test/jtx/mpt.h
+++ b/src/test/jtx/mpt.h
@@ -88,8 +88,8 @@ public:
 struct MPTInit
 {
     std::vector<Account> holders = {};
-    PrettyAmount const& xrp = XRP(10'000);
-    PrettyAmount const& xrpHolders = XRP(10'000);
+    PrettyAmount const xrp = XRP(10'000);
+    PrettyAmount const xrpHolders = XRP(10'000);
     bool fund = true;
     bool close = true;
 };