Updated 2026-10-31 · 6 min read · Guide

Deposit BTC from Cash App and Swan to XORA (2026)

By XORA · Published · Updated

Send Layer-1 Bitcoin (BTC) from Cash App or Swan Bitcoin to XORA's per-account BTC address with on-chain speed checks, zero memo, and a 0.0005 BTC test.

Short answer

To deposit Bitcoin (BTC) from Cash App or Swan Bitcoin into XORA, open /app#deposit-btc and copy your account's dedicated Layer-1 Bitcoin deposit address (no memo or destination tag required). In Cash App, tap the Bitcoin tab, choose Send, paste XORA's on-chain Bitcoin address, and pick Priority/Rush (`0.00005 BTC` minimum) or Standard free (`0.001 BTC` minimum). In Swan Bitcoin, confirm any ACH bank clearing hold has completed, initiate a Layer-1 on-chain withdrawal, and verify a small test transfer (`0.0005 BTC` to `0.001 BTC`) before moving larger balances.

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Direct rails: XRP · RLUSD · BTC · XLM · TRX · RLUSD on XRPL

Sending on-chain Bitcoin from Cash App (Priority, Rush, vs Standard free)

Inside Cash App's Money/Bitcoin tab, tapping the paper-airplane Send button lets you enter either a $Cashtag, a Lightning invoice, or an external Layer-1 Bitcoin address (`bc1...`). Pasting XORA's Bitcoin deposit address routes the transfer onto Layer-1 Bitcoin mainnet: Priority and Rush tiers broadcast quickly for a small miner fee with a `0.00005 BTC` (`5,000 sats`) minimum, whereas Cash App's Standard free tier batches within ~24 hours and requires at least `0.001 BTC` (`100,000 sats`).

Withdrawing settled BTC from Swan Bitcoin (ACH hold & address lock rules)

Swan Bitcoin covers Layer-1 Bitcoin network fees on outgoing withdrawals once your USD purchase settles. Purchases funded by US ACH bank transfer carry a standard clearing hold (typically 5 to 10 business days after purchase) before BTC becomes withdrawable, while settled wire purchases clear faster. Adding or editing a saved withdrawal address in Swan can also trigger a 24-to-72 hour security confirmation window plus email/2FA verification.

Dedicated per-account Bitcoin address at /app#deposit-btc (zero memo)

Unlike pooled XRP or Stellar rails, XORA generates a dedicated Bitcoin deposit address per account at /app#deposit-btc. No memo, tag, or OP_RETURN note is required. Send native Layer-1 Bitcoin only; Lightning Network payments (`lnbc...`) and wrapped tokens (`WBTC`, `cbBTC`, `BTCB`) are not supported on the BTC rail.

0% Bitcoin protocol reward vs XORA custodial BTC yield disclosures

Bitcoin uses proof-of-work consensus and pays 0% native protocol reward on self-custodied or brokerage-held BTC. Where enabled, XORA publishes up to 14% variable BTC APY value (8% native BTC yield plus ~6% estimated XORA reward value) at /btc-yield-rates with daily accrual and $0 XORA deposit fee, subject to treasury, reconciliation, account, and risk controls. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Cash App vs Swan Bitcoin vs XORA BTC deposit checklist

ItemCash App BitcoinSwan BitcoinXORA Bitcoin rail
Settlement railLayer-1 BTC (`bc1...`, never Lightning/$Cashtag)Layer-1 Bitcoin Mainnet on-chain sendLayer-1 Bitcoin Mainnet (/app#deposit-btc)
Minimum & fee0.00005 BTC (Priority/Rush) or 0.001 BTC (Standard $0)$0 Swan network fee once ACH hold clears$0 XORA deposit fee
Clearing / securityInstant on settled BTC; daily/weekly send limits5-10 business day ACH hold + email/2FA confirmDedicated per-account BTC address (no memo)
Test transfer0.0005 BTC (Rush/Priority) or 0.001 BTC (Standard)Send 0.0005 BTC test withdrawal firstCredits automatically after BTC confirmations
⚠ Layer-1 on-chain Bitcoin address only (never Lightning lnbc...)

Paste XORA's Layer-1 Bitcoin address (bc1...) in Cash App or Swan Bitcoin. Never paste a Lightning BOLT11 invoice or send via $Cashtag, as XORA credits Layer-1 Bitcoin mainnet transactions only.

Checklist

  1. Open /app#deposit-btc in XORA and copy your account's dedicated Layer-1 Bitcoin deposit address (starting with bc1...).
  2. In Cash App (Bitcoin -> Send -> tap wallet/QR icon to paste external BTC address) or Swan Bitcoin (Withdraw Now -> destination address), paste XORA's Bitcoin address.
  3. Double-check the first 6 and last 6 characters of XORA's bc1... address and confirm you are on Layer-1 Bitcoin Mainnet (not Lightning).
  4. Send a test transfer first (e.g., 0.0005 BTC via Cash App Priority/Rush or Swan, or 0.001 BTC if using Cash App's Standard free tier).
  5. Complete Cash App PIN/biometric confirmation or Swan's 2FA and withdrawal confirmation email.
  6. Wait for Bitcoin on-chain confirmations to credit inside XORA before sending your remaining settled BTC balance.

Frequently Asked Questions

Can I use Cash App's Lightning Network send to deposit BTC into XORA?

No. XORA's /app#deposit-btc rail accepts Layer-1 on-chain Bitcoin transactions only. Paste XORA's bc1... Bitcoin address in Cash App so Cash App routes the withdrawal on-chain rather than over Lightning.

Why is Cash App saying my BTC withdrawal is below the minimum?

Cash App's $0-fee Standard withdrawal speed enforces a higher 0.001 BTC (100,000 sats) minimum, whereas Rush and Priority speeds allow on-chain withdrawals starting from 0.00005 BTC (5,000 sats).

Why is part of my Swan Bitcoin balance locked from withdrawing?

BTC bought via ACH bank debit on Swan stays in a clearing hold (typically 5 to 10 business days) until the bank transfer settles irreversibly. Once unlocked, Swan withdrawals broadcast on Layer-1 Bitcoin with $0 Swan fee.

Do I need a Destination Tag or Memo when sending BTC from Cash App or Swan?

No. Every XORA account receives its own unique Bitcoin deposit address at /app#deposit-btc, so address attribution is automatic with no memo or tag.

Sources

Next

Open /app#deposit-btc, copy your dedicated Layer-1 Bitcoin address, send a small on-chain test withdrawal from Cash App or Swan Bitcoin first, and confirm credit in XORA. Rates are variable and not guaranteed.

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