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

Deposit RLUSD from Kraken and Gate.io to XORA (2026)

By XORA · Published · Updated

Withdraw Ripple USD (RLUSD) on XRPL from Kraken or Gate.io to XORA with XRP Ledger network selection, numeric Destination Tag, and a 10 RLUSD test send.

Short answer

To deposit Ripple USD (RLUSD) from Kraken (Spot / Kraken Pro) or Gate.io (Spot Account) into XORA, open /app#deposit-rlusd and copy both XORA's XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag. Select XRP Ledger (XRPL) instead of Ethereum (ERC-20), move any Gate.io Simple Earn RLUSD into your Spot Account first, ensure Kraken ACH/Plaid 7-day or card 72-hour withdrawal holds have cleared, and verify a 10 RLUSD test transfer first (~4 seconds finality after broadcast).

Deposit RLUSD Calculate XRP yield Reserve @handle Creator Bounties

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

Selecting XRP Ledger (XRPL) vs Ethereum (ERC-20) on Kraken and Gate.io

Ripple issues RLUSD natively on both the XRP Ledger (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) and Ethereum Mainnet (ERC-20). On Kraken and Gate.io, always choose XRP Ledger / XRPL in the withdrawal network selector so the exchange validates XORA's r... address and enables the numeric Destination Tag field; never choose Ethereum (ERC-20) and never send ERC-20 RLUSD to an EVM address expecting XORA credit.

Kraken withdrawal address confirmation and fiat cooling-off holds

Kraken requires confirming every newly saved XRPL withdrawal address (and associated Destination Tag label) via email link, plus 2FA or Passkey approval. Note that recent US ACH / Plaid deposits on Kraken carry a 7-day withdrawal hold and debit/credit card or digital-wallet purchases carry a 72-hour security hold before external RLUSD withdrawals unlock.

Gate.io Simple Earn redemption and keeping No Tag / No Memo unchecked

On Gate.io, redeem or transfer RLUSD out of Simple Earn, Lending, or Futures into your Spot Account before initiating an on-chain withdrawal. Paste XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), keep Gate.io's No Tag / No Memo checkbox unchecked (OFF), and enter your exact numeric XORA Destination Tag.

Variable RLUSD yield on XRPL, solvency headroom, and risk disclosures

Exchange Spot balances typically pay 0% on idle RLUSD unless locked in exchange lending products. Where enabled, XORA quotes up to 17% variable RLUSD APY value on XRPL (13% RLUSD plus 4% estimated XORA rewards) with $0 XORA deposit fee, subject to pooled treasury and solvency controls. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Kraken and Gate.io XRPL RLUSD transfer overview

ItemKraken (Spot / Pro)Gate.io (Spot Account)XORA RLUSD rail
NetworkXRP Ledger (never Ethereum ERC-20)XRPL / XRP Ledger (never ERC-20)Official Ripple XRPL RLUSD only
Destination TagMandatory numeric Destination TagMandatory numeric Tag (No Tag OFF)Required for automatic credit
Pre-send checkEmail address confirm + ACH/card hold clearRedeem Simple Earn -> Spot Account$0 XORA deposit fee
Settlement~4 seconds after Kraken broadcast~4 seconds after Gate.io broadcastSend 10 RLUSD test transfer first
⚠ Select XRP Ledger (XRPL) + enter your numeric Destination Tag

Both Kraken and Gate.io support RLUSD on XRP Ledger and Ethereum (ERC-20). Always select XRP Ledger (r... address), never Ethereum ERC-20 (0x...), and always enter your mandatory numeric XORA Destination Tag.

Checklist

  1. Open /app#deposit-rlusd in XORA and copy both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag.
  2. On Kraken (confirming ACH 7-day / card 72h holds cleared) or Gate.io (transferring RLUSD from Simple Earn to Spot Account), open Withdraw -> RLUSD.
  3. Select XRP Ledger (XRPL) as the withdrawal network (never Ethereum ERC-20).
  4. Paste XORA's XRPL r-address, leave No Tag / No Memo unchecked, and enter your exact numeric XORA Destination Tag.
  5. Confirm any new withdrawal address email link plus 2FA/Passkey/Fund Password and send a 10 RLUSD test withdrawal first.
  6. Verify the 10 RLUSD test deposit credits in XORA (~4 seconds after on-chain broadcast), then transfer your remaining XRPL RLUSD allocation with the identical tag.

Frequently Asked Questions

Can I withdraw RLUSD on Ethereum (ERC-20) from Kraken or Gate.io to XORA?

No. XORA's /app#deposit-rlusd rail settles exclusively on the XRP Ledger (r... address plus numeric Destination Tag) and does not accept Ethereum ERC-20 RLUSD deposits.

Why is part of my RLUSD unavailable to withdraw on Kraken?

Kraken places temporary withdrawal holds on recent fiat funding (7 days for US ACH / Plaid deposits and 72 hours for first-time card or digital wallet purchases) as well as funds tied to open Kraken Pro limit orders.

What happens if I check No Tag on Gate.io or omit the Destination Tag?

XORA credits RLUSD inside a shared XRPL treasury wallet using your unique numeric Destination Tag. Sending without a tag prevents automatic credit and requires manual support verification with your XRPL transaction hash.

Are RLUSD balances in XORA insured or risk-free?

No. Holding RLUSD on XORA carries both custodial platform counterparty risk and stablecoin issuer risk. XORA is not a bank, is not FDIC or SIPC insured, and published RLUSD APY values are variable and not guaranteed.

Sources

Next

Open /app#deposit-rlusd, copy XORA's XRPL r-address and your numeric Destination Tag, select XRP Ledger on Kraken or Gate.io, and confirm a 10 RLUSD test send first. Rates are variable and not guaranteed.

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