diff --git a/cfg/xrpld-example.cfg b/cfg/xrpld-example.cfg
index 4b17bf0500..45269903b2 100644
--- a/cfg/xrpld-example.cfg
+++ b/cfg/xrpld-example.cfg
@@ -1258,7 +1258,7 @@
 #       default. Don't change this without understanding the consequences.
 #
 #       Example:
-#           account_reserve = 10000000   # 10 XRP
+#           account_reserve = 1000000   # 1 XRP
 #
 #   owner_reserve = <drops>
 #
@@ -1270,7 +1270,7 @@
 #       default. Don't change this without understanding the consequences.
 #
 #       Example:
-#           owner_reserve = 2000000      # 2 XRP
+#           owner_reserve = 200000      # 0.2 XRP
 #
 #-------------------------------------------------------------------------------
 #
diff --git a/src/test/rpc/AccountTx_test.cpp b/src/test/rpc/AccountTx_test.cpp
index 4de0928555..f1b7533eaa 100644
--- a/src/test/rpc/AccountTx_test.cpp
+++ b/src/test/rpc/AccountTx_test.cpp
@@ -774,7 +774,7 @@ class AccountTx_test : public beast::unit_test::Suite
 
         // All it takes is a large enough XRP payment to resurrect
         // becky's account.  Try too small a payment.
-        env(pay(alice, becky, drops(env.current()->fees().accountReserve(0)) - XRP(1)),
+        env(pay(alice, becky, drops(env.current()->fees().accountReserve(0)) - drops(1)),
             Ter(tecNO_DST_INSUF_XRP));
         env.close();
 
diff --git a/src/xrpld/core/Config.h b/src/xrpld/core/Config.h
index 10fbadaae7..4936906a9a 100644
--- a/src/xrpld/core/Config.h
+++ b/src/xrpld/core/Config.h
@@ -51,10 +51,10 @@ struct FeeSetup
     XRPAmount reference_fee{10};
 
     /** The account reserve requirement in drops. */
-    XRPAmount account_reserve{10 * kDROPS_PER_XRP};
+    XRPAmount account_reserve{1'000'000};  // 1 XRP
 
     /** The per-owned item reserve requirement in drops. */
-    XRPAmount owner_reserve{2 * kDROPS_PER_XRP};
+    XRPAmount owner_reserve{200'000};  // 0.2 XRP
 
     /* (Remember to update the example cfg files when changing any of these
      * values.) */