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

Deposit BTC from Muun and Phoenix Wallet to XORA (2026)

By XORA · Published · Updated

Send native Layer-1 BTC from Muun or Phoenix Wallet (on-chain splice-out, never BOLT11) to XORA's Bitcoin mainnet address with a test send.

Short answer

To deposit Bitcoin (BTC) from Muun Wallet or ACINQ Phoenix Wallet into XORA, open /app#deposit-btc, copy your dedicated per-account Layer-1 Bitcoin mainnet address (zero tag or memo required), paste that on-chain BTC address directly into Muun's Send screen or Phoenix's native on-chain Splice-Out Send flow (never attempt a Lightning invoice), and verify credit with a 0.0005 BTC test transfer first.

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How Muun on-chain sends and Phoenix Splice-Out settle on XORA

XORA's Bitcoin rail (/app#deposit-btc) accepts Layer-1 Bitcoin mainnet transactions only and does not generate Lightning BOLT11 or BOLT12 invoices. Fortunately, both Muun Wallet (which holds funds in a 2-of-2 Taproot/SegWit on-chain script) and ACINQ Phoenix Wallet (which executes an atomic single-transaction Layer-1 Splice-Out directly from your Lightning channel when you paste a standard bc1... Bitcoin address) broadcast native Layer-1 Bitcoin mainnet transactions that XORA credits automatically upon confirmation.

Dedicated per-account BTC address attribution (zero tag or memo)

Unlike XRP or Stellar deposits, XORA assigns each user a dedicated Bitcoin mainnet deposit address on /app#deposit-btc with zero Destination Tag, Memo, or OP_RETURN note required. Always double-check the prefix and final 6 characters of your XORA BTC address in Muun or Phoenix before confirming.

Miner fee estimation for Muun 2-of-2 and Phoenix splice-out transactions

Because Muun spends from a 2-of-2 multisig witness script and Phoenix executes an on-chain channel splice-out, their Layer-1 transaction vByte weight is slightly larger than a single-input Native SegWit spend. Review the displayed sat/vB miner fee in Muun or Phoenix before broadcasting; XORA itself charges $0 deposit fee on incoming BTC.

Self-custody Lightning/mobile liquidity vs XORA variable BTC yield

BTC held in Muun or a Phoenix Lightning channel earns 0% native yield. 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 no fixed lockup. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Muun and Phoenix Wallet Layer-1 BTC transfer checklist

ItemMuun WalletPhoenix Wallet (ACINQ)XORA BTC rail
Settlement railDirect Layer-1 Bitcoin Mainnet spendAtomic Layer-1 Splice-Out to bc1... addressLayer-1 Bitcoin Mainnet (/app#deposit-btc)
Lightning BOLT11?Do not use Lightning; paste BTC addressPaste on-chain BTC address (triggers splice-out)On-chain BTC only (no Lightning invoices)
Tag / MemoNone required (dedicated BTC address)None required (dedicated BTC address)Address-attributed (/app#deposit-btc)
Fee & test sendCustom sat/vB + 0.0005 BTC test sendMiner splice-out fee + 0.0005 BTC test send$0 XORA deposit fee
⚠ Layer-1 Bitcoin mainnet address only

XORA's /app#deposit-btc rail credits Layer-1 on-chain Bitcoin mainnet transactions only (zero Lightning BOLT11/BOLT12 invoices). Paste your dedicated XORA Bitcoin mainnet address in Muun or Phoenix (splice-out) with zero memo required.

Checklist

  1. Open /app#deposit-btc in XORA and copy your account's dedicated Layer-1 Bitcoin mainnet deposit address.
  2. Open Muun Wallet or ACINQ Phoenix Wallet, tap Send, and paste your XORA Layer-1 Bitcoin mainnet address (Phoenix will automatically switch to on-chain Splice-Out mode).
  3. Enter a 0.0005 BTC test amount and inspect the sat/vB miner fee estimate.
  4. Verify the first and last 6 characters of your XORA Bitcoin address on screen (no memo or tag is needed).
  5. Confirm the transaction and wait for Layer-1 Bitcoin mainnet confirmations in XORA.
  6. Once the 0.0005 BTC test transfer is credited in XORA, send your intended allocation to the same verified Bitcoin mainnet address.

Frequently Asked Questions

Can I pay a Lightning Network BOLT11 invoice to deposit BTC into XORA?

No. XORA's /app#deposit-btc rail credits Layer-1 Bitcoin mainnet transactions only. However, pasting your XORA Bitcoin mainnet address directly into Phoenix or Muun automatically sends an on-chain Layer-1 transaction without needing an external swap service.

Does Phoenix Wallet's channel splice-out credit normally on XORA?

Yes. A Phoenix splice-out produces a standard Layer-1 Bitcoin mainnet output paying your dedicated XORA BTC deposit address, which XORA credits identically to any other on-chain Bitcoin transaction once confirmed.

Do I need a Destination Tag or Memo when sending BTC from Muun or Phoenix?

No. Every XORA account receives a dedicated Layer-1 Bitcoin deposit address on /app#deposit-btc, so BTC attribution is 100% address-based.

What are the custody differences between Muun/Phoenix and XORA?

Muun and Phoenix are self-custodial wallets earning 0% BTC yield, while XORA is a custodial neobank publishing variable, non-guaranteed BTC yield (up to 14% APY value where enabled) with counterparty risk and no FDIC or SIPC insurance.

Sources

Next

Open /app#deposit-btc, copy your dedicated Layer-1 Bitcoin mainnet address, paste it into Muun or Phoenix (on-chain splice-out), and confirm a 0.0005 BTC test send first. Rates are variable and not guaranteed.

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