Updated 2026-11-01 · 6 min read · Guide

Deposit BTC from Bybit and Bitget to XORA (2026)

By XORA · Published · Updated

Withdraw native Layer-1 Bitcoin (BTC) from Bybit or Bitget to XORA (never Mantle mBTC, BEP-20, or ERC-20) with no memo, a small BTC test, and up to 14% APY.

Short answer

To deposit Bitcoin (BTC) from Bybit or Bitget into XORA, open /app#deposit-btc and copy your dedicated per-account native Bitcoin deposit address (zero memo or destination tag required). Move BTC from Bybit Unified Trading / Bybit Earn into your Bybit Funding Account or from Bitget Futures / Earn into your Bitget Spot Account first, select the native 'BTC (Bitcoin)' mainnet network (never Mantle, BEP20, or ERC20), and send a small Layer-1 BTC test withdrawal first (~10-30 minutes confirmation). Where enabled, XORA quotes up to 14% variable BTC APY value with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

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Moving BTC into Bybit Funding or Bitget Spot Account before withdrawing

On Bybit, external on-chain crypto withdrawals pull exclusively from your Funding Account; move BTC out of your Unified Trading Account (UTA) or redeem Flexible Bybit Savings into Funding ($0 internal transfer fee). On Bitget, move BTC out of USDT-M / Coin-M Futures or Bitget Earn into your Spot Account so your full balance appears on the On-Chain Withdrawal form.

Selecting native Bitcoin (BTC) vs Mantle, BEP-20, or ERC-20 wrappers

Both Bybit and Bitget list multiple chains under Bitcoin withdrawals. Always choose native Layer-1 'BTC / Bitcoin' matching XORA's bc1... Native SegWit address at /app#deposit-btc. Never select Mantle Network (mBTC), BNB Smart Chain (BEP20 BTCB), or Ethereum (ERC20 WBTC), as wrapped EVM tokens settle on 0x... smart contracts rather than the Bitcoin blockchain and cannot credit automatically.

Zero memo required and whitelist cooldown checks

Because XORA assigns a dedicated per-account Bitcoin deposit address on /app#deposit-btc, Layer-1 BTC deposits attribute automatically by address with zero Memo or Destination Tag. If you enable Bybit Withdrawal Address Whitelist Lock or Bitget 24-hour New Address Protection, register your XORA bc1... address ahead of time and verify its first and last 6 characters.

Small Layer-1 BTC test send (~10-30 min) and custodial rate disclosures

Submit a small Layer-1 BTC test withdrawal first using Passkey, Authenticator 2FA, and email OTP, track the 64-character Bitcoin TXID on mempool.space (~1-3 Bitcoin blocks, roughly 10-30 minutes after exchange broadcast), and confirm credit in XORA before scaling up. Where enabled, XORA credits up to 14% variable BTC APY value with daily compounding and $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Bybit vs Bitget vs XORA Bitcoin transfer comparison

CheckBybit (Funding Account)Bitget (Spot Account)XORA BTC rail
Account prepTransfer UTA / Earn -> Funding ($0)Transfer Futures / Earn -> Spot ($0)Copy bc1... address at /app#deposit-btc
Required networkBTC (Bitcoin mainnet, never Mantle/ERC20)BTC (Bitcoin mainnet, never BEP20/ERC20)Dedicated per-account native Bitcoin address
Memo / Tag ruleNone (Layer-1 Bitcoin has no memo)None (address-attributed)Zero memo or tag required
Speed & XORA fee~10-30 min after broadcast (network BTC fee)~10-30 min after broadcast (network BTC fee)$0 XORA deposit fee; up to 14% variable APY where enabled
⚠ Native Bitcoin (BTC) mainnet only (never Mantle, BEP-20, or ERC-20)

Select native Layer-1 Bitcoin (BTC) on Bybit or Bitget when withdrawing to XORA's bc1... address. Never choose Mantle Network, BNB Smart Chain (BEP20), or Ethereum (ERC20) wrapped Bitcoin.

Checklist

  1. Open /app#deposit-btc in XORA and copy your dedicated per-account native Bitcoin bc1... deposit address.
  2. Transfer BTC into your Bybit Funding Account or Bitget Spot Account ($0 internal transfer).
  3. Open Withdraw -> On-Chain, choose coin BTC, and select native BTC / Bitcoin mainnet (never Mantle, BEP20, or ERC20).
  4. Paste your XORA bc1... address and verify the leading bc1 and final 6 characters (no Memo is needed).
  5. Approve a small Layer-1 BTC test withdrawal first with Passkey / 2FA and email confirmation.
  6. Confirm the test TXID settles on mempool.space (~10-30 minutes) and credits in XORA before sending your remaining BTC.

Frequently Asked Questions

Why is my Bybit BTC balance showing 0 on the On-Chain Withdrawal screen?

Bybit holds trading collateral inside your Unified Trading Account (UTA) and yield balances inside Bybit Earn. Click Transfer to move BTC from UTA or Earn into your Funding Account ($0 fee, instant) to unlock on-chain withdrawals.

Can I withdraw BTC from Bitget over BNB Smart Chain (BEP20) for a lower fee?

No. Selecting BEP20 sends wrapped BNB Chain BTCB to an 0x... EVM address rather than real Layer-1 Bitcoin, which XORA's native Bitcoin deposit rail cannot credit. Always pick native 'BTC (Bitcoin)'.

Do I need a Memo or Destination Tag for BTC withdrawals from Bybit or Bitget?

No. Your XORA Bitcoin deposit address at /app#deposit-btc is unique to your account and attributes automatically without any tag or memo.

Are BTC balances on XORA insured by FDIC or SIPC?

No. XORA is a custodial crypto neobank, not a bank, and balances are not covered by FDIC or SIPC insurance. Published BTC yield rates (up to 14% APY value where enabled) are variable and not guaranteed.

Sources

Next

Open /app#deposit-btc, copy your dedicated XORA Bitcoin deposit address, send a small native Layer-1 BTC test from Bybit or Bitget first, and confirm credit in XORA. Rates are variable and not guaranteed.

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