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

Deposit BTC from Strike and River to XORA (2026)

By XORA · Published · Updated

Send Layer-1 Bitcoin (BTC) from Strike or River to XORA's dedicated mainnet BTC address (never Lightning invoices) with a 0.0005 BTC test send.

Short answer

To deposit Bitcoin (BTC) from Strike or River Financial into XORA, open /app#deposit-btc and copy your dedicated per-account Layer-1 Bitcoin mainnet deposit address (zero memo or destination tag required). Paste that Bitcoin mainnet address into Strike or River's on-chain Bitcoin send flow (choosing Strike Flexible free ~24h batching or Priority ~10m confirmation, or River's standard / monthly zero-fee on-chain withdrawal), verify a 0.0005 BTC test transfer first, and wait for Layer-1 Bitcoin confirmations.

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Selecting on-chain Bitcoin mainnet instead of Lightning in Strike and River

Both Strike and River support dual-rail Bitcoin transfers: instant Lightning Network invoices (lnbc...) and Layer-1 Bitcoin mainnet addresses (bc1q... / bc1p... / 3... / 1...). XORA's /app#deposit-btc rail settles strictly on Layer-1 Bitcoin mainnet. Pasting your XORA Bitcoin address into Strike or River automatically routes the transfer over Layer-1 Bitcoin on-chain.

Strike Flexible free tier vs Priority and River ACH settlement holds

Strike offers three on-chain Bitcoin withdrawal speed tiers, including a Flexible tier (~24-hour target batching with $0 fee) and Priority/Standard tiers for faster block inclusion. River offers recurring-order / monthly free on-chain withdrawals alongside standard miner-fee sends. On both US Bitcoin platforms, recent ACH bank deposits must complete their 4-to-7 business-day ACH clearing hold before outbound on-chain BTC sends unlock.

Dedicated per-account BTC address on XORA (zero memo required)

Unlike XRP or Stellar XLM, XORA assigns a dedicated Layer-1 Bitcoin mainnet address to each account at /app#deposit-btc. No Destination Tag, Memo, or note field is needed for attribution; any optional personal note entered inside Strike or River stays private to your sender ledger.

Custodial Bitcoin tradeoffs and variable BTC yield disclosures

Strike holds customer BTC 1:1 at 0% BTC yield on standard balances, while River pays BTC interest only on eligible cash balances rather than idle BTC principal (unless using separate lending products). Where enabled, XORA publishes up to 14% variable BTC APY value (8% native BTC yield + ~6% estimated XORA reward value) at /btc-yield-rates with daily accrual and $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Strike vs River vs XORA Layer-1 BTC deposit checklist

ItemStrikeRiver FinancialXORA BTC rail
Required railOn-chain Bitcoin address (not Lightning)On-chain Bitcoin send (not Lightning)Layer-1 Bitcoin Mainnet (/app#deposit-btc)
Fee & speed tiersFlexible (~24h free) or Priority (~10m)Monthly free quota or standard sat/vB$0 XORA deposit fee
ACH bank holdWait for ACH deposit clearing windowWait for ACH settlement hold to clearCredits after on-chain BTC confirmations
Tag / test sendNo memo needed; 0.0005 BTC test firstNo memo needed; 0.0005 BTC test firstDedicated BTC address per account
⚠ Layer-1 Bitcoin mainnet only (no Lightning)

Select on-chain Bitcoin mainnet (bc1... address) in Strike or River when sending to /app#deposit-btc. Never attempt to pay a Lightning BOLT11 invoice or LNURL, as XORA credits native Layer-1 Bitcoin mainnet transactions only.

Checklist

  1. Open /app#deposit-btc in XORA and copy your account's dedicated Layer-1 Bitcoin mainnet deposit address.
  2. In Strike or River, ensure any recent US ACH bank deposit hold has fully settled into withdrawable BTC.
  3. Open Send Bitcoin, paste your XORA Layer-1 Bitcoin address (so the app selects on-chain Bitcoin rather than Lightning), and enter a 0.0005 BTC test amount.
  4. Choose your preferred confirmation tier (Priority/Standard for immediate testing, or Strike Flexible ~24h / River free tier once verified).
  5. Verify the first and last 6 characters of your XORA BTC address, confirm with 2FA / passkey, and wait for Layer-1 Bitcoin confirmations in XORA.
  6. Once the 0.0005 BTC test deposit is credited in XORA, send your intended BTC allocation to the same dedicated XORA Bitcoin address.

Frequently Asked Questions

Why did Strike Flexible withdrawal take several hours to appear on XORA?

Strike's $0-fee Flexible tier batches outbound Layer-1 Bitcoin transactions within an ~24-hour window to minimize mempool fees. Use Priority or Standard speed for a fast 0.0005 BTC test confirmation, or wait for Strike to broadcast the batched txid.

Why does River or Strike say part of my BTC balance isn't available to send yet?

Bitcoin purchased with a recent ACH bank transfer cannot be withdrawn on-chain until the bank clearing hold (typically several business days) completes, even though you already locked in the BTC price.

Can I send BTC via Lightning from Strike or River to XORA?

No. XORA's /app#deposit-btc rail accepts Layer-1 Bitcoin mainnet transactions only. Pasting your XORA Bitcoin address in Strike or River automatically uses on-chain Layer-1 Bitcoin.

Are BTC deposits on XORA insured like US bank cash sweeps?

No. While Strike or River partner banks may offer FDIC pass-through only on eligible USD cash balances, Bitcoin balances on XORA are custodial crypto assets, not bank deposits, and carry counterparty risk with zero FDIC or SIPC insurance. Rates are variable and not guaranteed.

Sources

Next

Open /app#deposit-btc, copy your dedicated Layer-1 Bitcoin mainnet address, send a 0.0005 BTC on-chain test transfer from Strike or River first, and confirm credit in XORA. Rates are variable and not guaranteed.

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