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

Deposit BTC from Coldcard and BitBox02 to XORA (2026)

By XORA · Published · Updated

Send native Layer-1 BTC from Coldcard Mk4/Q (PSBT) or Swiss BitBox02 hardware wallet to XORA with zero memo required and a 0.0005 BTC test transfer.

Short answer

To deposit native Bitcoin (BTC) from a Coinkite Coldcard (Mk4 or Coldcard Q via PSBT / Sparrow / Electrum) or a Shift Crypto BitBox02 (Bitcoin-Only or Multi edition via BitBoxApp) into XORA, open /app#deposit-btc, copy your account's dedicated Bitcoin mainnet deposit address (no memo required), verify every character on the hardware display before signing, and confirm a 0.0005 BTC test transfer first.

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Air-gapped Coldcard PSBT signing and BitBox02 BitBoxApp workflow

Coldcard Mk4 and Coldcard Q sign Partially Signed Bitcoin Transactions (PSBTs) over microSD, NFC PushTx, or air-gapped QR codes paired with watch-only coordinators such as Sparrow Wallet, Electrum, or Nunchuk. BitBox02 (engineered in Switzerland by Shift Crypto, including a Bitcoin-Only firmware edition) connects to BitBoxApp or Sparrow Wallet with capacitive touch sliders and anti-klepto nonce protection.

Dedicated per-account BTC address verification (no tag or memo)

Unlike shared-address XRPL or Stellar rails, XORA assigns your account a dedicated Layer-1 Bitcoin mainnet deposit address at /app#deposit-btc with zero Destination Tag or Memo required. Paste your XORA Bitcoin address into Sparrow, Electrum, or BitBoxApp, then inspect the full recipient address and satoshi fee directly on the Coldcard OLED/LCD or BitBox02 OLED display before approving.

UTXO privacy, Coin Control, and barbell cold-storage sizing

When moving BTC from long-term Coldcard or BitBox02 cold storage into a custodial yield account, use UTXO Coin Control so you do not unnecessarily merge unrelated cold-storage UTXOs in one input set. Many Bitcoin holders keep their primary sovereign reserve offline in Coldcard or BitBox02 (0% protocol yield, zero third-party risk) and allocate only a defined yield tranche to XORA.

Variable BTC APY breakdown and custody risk disclosures

Where enabled, XORA publishes up to 14% variable BTC APY value (8% native BTC yield + ~6% estimated XORA reward value) at /btc-yield-rates and /api/agent/facts, with $0 XORA deposit fees and daily accrual subject to treasury and solvency controls. Rates are variable and not guaranteed; depositing BTC into XORA replaces hardware self-custody with custodial counterparty risk, and XORA is not a bank or FDIC/SIPC insured.

Coldcard and BitBox02 native BTC transfer overview

ItemColdcard Mk4 / QBitBox02 (BTC-Only / Multi)XORA BTC rail
Signing flowPSBT via microSD / QR / NFC / USBBitBoxApp or Sparrow + touch confirmStandard Layer-1 Bitcoin Mainnet
Tag / MemoNone required (dedicated BTC address)None required (dedicated BTC address)Address-attributed (/app#deposit-btc)
Fee & UTXO controlFull UTXO Coin Control + RBF sat/vBCoin Control + custom sat/vB in app$0 XORA deposit fee
Recommended test0.0005 BTC test PSBT first0.0005 BTC test send firstConfirm on-chain credit before scaling
⚠ Native Bitcoin mainnet only

Send native Layer-1 Bitcoin (BTC) only to your dedicated Bitcoin mainnet deposit address on /app#deposit-btc (zero tag or memo required). Verify the full BTC address on your Coldcard or BitBox02 screen before signing.

Checklist

  1. Open /app#deposit-btc in XORA and copy your account's dedicated Layer-1 Bitcoin mainnet deposit address.
  2. In Sparrow Wallet / Electrum (for Coldcard) or BitBoxApp (for BitBox02), select specific UTXOs via Coin Control if desired and paste your XORA BTC address.
  3. Set a current mempool sat/vB miner fee rate (enabling RBF if desired) for a small 0.0005 BTC test transaction.
  4. Export the unsigned PSBT to Coldcard (via microSD, QR, or USB) or initiate signing on BitBox02, and verify the exact XORA BTC address on the hardware screen.
  5. Broadcast the signed transaction and wait for Bitcoin mainnet confirmations to credit the 0.0005 BTC test balance inside XORA.
  6. Once confirmed in XORA, repeat with the verified Bitcoin deposit address for your intended yield allocation.

Frequently Asked Questions

Does Coldcard's air-gapped PSBT or NFC PushTx work normally with XORA?

Yes. XORA's /app#deposit-btc address is a standard Layer-1 Bitcoin mainnet address, so any valid Bitcoin transaction signed via air-gapped microSD, QR PSBT, or Coldcard NFC PushTx credits automatically once confirmed on-chain.

Can I use the BitBox02 Bitcoin-Only edition to deposit BTC to XORA?

Yes. Because XORA's BTC rail uses native Layer-1 Bitcoin mainnet (with zero wrapped tokens or altcoin sidechains), the BitBox02 Bitcoin-Only edition works natively via BitBoxApp or Sparrow Wallet.

Do I need to include a Memo or OP_RETURN output when sending BTC to XORA?

No. Never attach custom OP_RETURN routing data; XORA attributes Bitcoin deposits strictly by your account's dedicated Bitcoin mainnet deposit address.

What are the risks of moving BTC from Coldcard or BitBox02 to XORA?

Coldcard and BitBox02 provide sovereign hardware self-custody with 0% protocol yield, whereas XORA is a custodial neobank quoting variable non-guaranteed BTC yield (currently up to 14% APY value where enabled). XORA balances carry custodial counterparty risk and are not FDIC or SIPC insured.

Sources

Next

Open /app#deposit-btc, copy your dedicated Bitcoin mainnet address, verify every character on your Coldcard or BitBox02 screen, and confirm a 0.0005 BTC test send first. Rates are variable and not guaranteed.

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