Deposit RLUSD from Ledger and Tangem to XORA (2026)
Send Ripple USD (RLUSD) from Ledger (via Xaman/Crossmark) or Tangem NFC to XORA on XRPL with verified Ripple issuer, Destination Tag, and 10 RLUSD test.
To deposit Ripple USD (RLUSD) from a Ledger hardware wallet or Tangem NFC card/ring into XORA, open /app#deposit-rlusd and copy both XORA's XRP Ledger address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag. Confirm your RLUSD sits on the native XRP Ledger (official Ripple issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) rather than Ethereum ERC-20, approve a 10 RLUSD hardware-signed test transfer first (~4s finality), and verify credit before moving larger stablecoin balances. Where enabled, XORA quotes up to 17% variable RLUSD APY value (13% RLUSD plus 4% estimated XORA rewards) with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.
Direct rails: XRP · RLUSD · BTC · XLM · TRX · RLUSD on XRPL
Ledger hardware signing for XRPL RLUSD (Xaman / Crossmark vs Ethereum ERC-20)
Ripple issues RLUSD on two separate networks: Ethereum (ERC-20 0x...) and native XRP Ledger (r... trust line, issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De). Ledger Live displays Ethereum ERC-20 tokens natively, whereas XRPL trust line tokens like RLUSD are managed safely with your Ledger Nano X, Stax, or Flex paired via Bluetooth/USB to Xaman (Xumm) or Crossmark (using the XRP app on your Ledger device). Confirm you are signing an XRPL Payment from your r... account (never an Ethereum 0x... transfer) and verify the Destination address + numeric Destination Tag right on your Ledger screen.
Tangem NFC tap-to-sign: XRPL RLUSD token vs Ethereum RLUSD
Inside the Tangem mobile app, RLUSD can be added under either 'XRP Ledger' or 'Ethereum'. Open your RLUSD token card whose network subtitle reads 'XRP Ledger' (address starting with r... and issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), tap Send, paste XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), fill the numeric Destination Tag field from /app#deposit-rlusd, and tap your Tangem card or ring to NFC-sign.
XRPL reserve math: 1.2 XRP stays in cold storage, 100% of RLUSD moves
XRP Ledger reserves (1 XRP base reserve + 0.2 XRP per open trust line) are held in native XRP on your Ledger or Tangem r... address, NOT in RLUSD. Keep at least 1.2 XRP plus a tiny spendable drop buffer (~0.00001 XRP fee per transaction) on your hardware wallet so you can transfer up to 100% of your RLUSD balance cleanly.
10 RLUSD hardware test (~4s) and cold-storage vs custodial tradeoffs
Moving RLUSD from a Ledger or Tangem hardware wallet into XORA trades self-custody hardware key control for custodial counterparty risk in exchange for variable yield where enabled. Always broadcast a 10 RLUSD test transfer first (~4-second XRPL finality), verify credit in XORA, and review the rate terms. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.
Ledger vs Tangem vs XORA RLUSD transfer comparison
| Parameter | Ledger (XRP App + Xaman/Crossmark) | Tangem Card / Ring (NFC) | XORA RLUSD rail |
|---|---|---|---|
| Required network | XRP Ledger r... (never Ledger Live ERC-20) | XRP Ledger token (never Tangem ERC-20) | XRPL issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De |
| Destination Tag | Verified on Ledger hardware screen | Entered in Tangem Destination Tag field | Mandatory numeric tag at /app#deposit-rlusd |
| Reserve & gas | ~0.00001 XRP fee; 1.2 XRP reserve stays | ~0.00001 XRP fee; 1.2 XRP reserve stays | 100% of RLUSD transferable ($0 XORA fee) |
| Test send & speed | 10 RLUSD hardware-signed test (~4s) | 10 RLUSD NFC-signed test (~4s) | Up to 17% variable RLUSD APY where enabled |
Send official Ripple USD on the XRP Ledger (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) with your numeric XORA Destination Tag. Never send Ethereum ERC-20 RLUSD (0x... in Ledger Live or Tangem Ethereum) to XORA's XRPL r... deposit address.
Checklist
- Open /app#deposit-rlusd in XORA and copy both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your numeric Destination Tag.
- Open your XRPL r... account on Ledger (connected to Xaman or Crossmark with the Ledger XRP app open) or Tangem (selecting RLUSD on XRP Ledger, NOT Ethereum).
- Confirm the RLUSD issuer matches Ripple's official XRPL issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De and that your r... wallet holds spendable XRP above the 1.2 XRP reserve.
- Paste XORA's XRPL r... address and enter your exact numeric Destination Tag in the Destination Tag field.
- Hardware-sign (Ledger buttons/screen or Tangem NFC tap) a 10 RLUSD test transfer first (~4 seconds XRPL finality).
- Verify the 10 RLUSD test credits in XORA, then transfer your remaining RLUSD with the identical address and Destination Tag.
Frequently Asked Questions
Why don't I see my XRPL RLUSD balance inside Ledger Live without Xaman or Crossmark?
Ledger Live tracks native XRP balances on XRPL, while XRPL trust line tokens (IOUs like Ripple's RLUSD) are viewed and signed by pairing your Ledger hardware wallet with Xaman (Bluetooth/USB) or Crossmark (USB/HID). Your private keys never leave the Ledger secure element.
What if my RLUSD on Ledger or Tangem is ERC-20 RLUSD on Ethereum (0x...)?
Do NOT try to send ERC-20 RLUSD to XORA's XRPL r... address (EVM wallets reject r... addresses, and XORA's RLUSD rail settles on native XRP Ledger). Bridge or swap ERC-20 RLUSD via a supported exchange such as Uphold or Bitstamp onto XRP Ledger first.
Can I send my entire RLUSD balance from Tangem or Ledger without leaving a 1 RLUSD reserve?
Yes. XRPL reserves apply only to native XRP (1 XRP base + 0.2 XRP trust line), so 100% of your RLUSD units can be transferred out as long as ~0.00001 XRP gas is available above your XRP reserve.
Does signing RLUSD to XORA expose my Ledger seed phrase or Tangem NFC chip?
No. You sign a standard on-chain XRPL Payment transaction on your hardware device; your seed/chip keys stay offline, though deposited RLUSD becomes a custodial XORA balance subject to platform risk.
Sources
- Ripple Official RLUSD Documentation & XRPL Issuer
- Ledger Support: Managing XRP Ledger Tokens with Xaman (Xumm)
- Tangem Help Center: XRP Ledger Trust Lines & Destination Tags
- XORA RLUSD on XRPL Guide
- XORA Security and Solvency Architecture
Next
Open /app#deposit-rlusd, copy XORA's XRPL address and your numeric Destination Tag, hardware-sign a 10 RLUSD test transfer from Ledger or Tangem over XRP Ledger first, and confirm credit in XORA. Rates are variable and not guaranteed.
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