Deposit RLUSD from Uphold and Bitstamp to XORA (2026)
Withdraw Ripple USD (RLUSD) from Uphold or Bitstamp to XORA on XRP Ledger (not ERC-20) with Destination Tag and a 10 RLUSD test send for up to 17% APY.
To deposit Ripple USD (RLUSD) from Uphold or Bitstamp into XORA, open /app#deposit-rlusd and copy both XORA's XRP Ledger address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag. In Uphold ('Transact' -> From RLUSD -> To 'XRP Ledger Network') or Bitstamp ('Withdraw' -> RLUSD -> 'XRP Ledger'), select XRP Ledger rather than Ethereum ERC-20, send a 10 RLUSD test transfer first (~4s finality after exchange broadcast), and confirm credit before sending your full balance. 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
Choosing XRP Ledger instead of Ethereum ERC-20 on Uphold and Bitstamp
Uphold and Bitstamp are primary Ripple distribution exchanges supporting dual-chain RLUSD withdrawals across both the XRP Ledger (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) and Ethereum mainnet (ERC-20). XORA's RLUSD deposit rail operates strictly on the XRP Ledger. In Uphold's Anything-to-Anything 'Transact' panel, pick your RLUSD account in 'From' and choose 'XRP Ledger Network' under Crypto Networks in 'To' (never 'Ethereum Network'). In Bitstamp, choose Withdraw -> RLUSD and select 'XRP Ledger' as the transport network rather than Ethereum.
Uphold ACH cooldowns and Bitstamp address book whitelisting
On Uphold, RLUSD purchased via US ACH bank debit can remain subject to Uphold's standard 4-to-65 day ACH settlement cooldown before external crypto network sends unlock, whereas debit card, wire, or settled crypto swaps withdraw immediately. On Bitstamp, if Address Book Whitelisting is enabled on your profile, add XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) together with your exact numeric Destination Tag and confirm via email + 2FA before initiating the withdrawal.
Entering XORA's XRPL address + mandatory numeric Destination Tag
XORA credits RLUSD on XRPL into its shared institutional XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) using your unique 32-bit numeric Destination Tag. Paste both fields directly from /app#deposit-rlusd into Uphold or Bitstamp and verify that any 'No Destination Tag' checkbox stays unchecked. Sending RLUSD without your Destination Tag prevents automatic attribution and requires manual support reconciliation using your XRPL transaction hash.
10 RLUSD test transfer (~4s XRPL finality) and variable rate disclosures
Start with a 10 RLUSD test withdrawal over XRP Ledger (low XRPL fee vs Ethereum gas, ~4-second ledger finality once Uphold or Bitstamp broadcasts the tx). Confirm on xrpscan.com or inside XORA that your 10 RLUSD test balance is credited, then scale your remaining allocation with the identical address and Destination Tag. Where enabled, XORA credits up to 17% variable RLUSD APY value (13% RLUSD base 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.
Uphold vs Bitstamp vs XORA RLUSD transfer comparison
| Parameter | Uphold (Transact -> XRPL) | Bitstamp (Withdraw -> XRPL) | XORA RLUSD rail |
|---|---|---|---|
| Required network | XRP Ledger Network (never Ethereum) | XRP Ledger (never Ethereum ERC-20) | XRP Ledger (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) |
| Destination Tag | Mandatory numeric Destination Tag | Mandatory numeric Destination Tag | Required numeric tag at /app#deposit-rlusd |
| Hold / security check | ACH bank buys wait cooldown; wires/settled instant | 2FA + optional Address Whitelist confirmation | Direct credit after validated XRPL Payment |
| Test send & speed | 10 RLUSD test (~4s after broadcast) | 10 RLUSD test (~4s after broadcast) | $0 XORA deposit fee; up to 17% variable APY where enabled |
Select the XRP Ledger (XRPL) network on Uphold or Bitstamp and include your numeric XORA Destination Tag. Never withdraw Ethereum ERC-20 RLUSD (0x...) to XORA's XRPL r... address, and never leave the Destination Tag blank.
Checklist
- Open /app#deposit-rlusd in XORA and copy both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your numeric Destination Tag.
- In Uphold (Transact -> From RLUSD -> To Crypto Networks -> XRP Ledger Network) or Bitstamp (Withdraw -> RLUSD -> XRP Ledger), select the XRP Ledger network.
- Confirm you did NOT select Ethereum (ERC-20), which uses 0x... addresses and higher gas fees.
- Paste XORA's XRPL r... address and enter your exact numeric Destination Tag (keep any 'No Tag' toggle OFF).
- Send a 10 RLUSD test withdrawal first and approve Uphold or Bitstamp 2FA + email confirmation.
- Verify the 10 RLUSD test arrives in XORA (~4 seconds after XRPL broadcast), then transfer the remaining RLUSD using the same XRPL address and Destination Tag.
Frequently Asked Questions
Can I withdraw RLUSD from Uphold or Bitstamp over Ethereum (ERC-20) to XORA?
No. XORA's RLUSD deposit rail accepts Ripple USD strictly on the XRP Ledger (XRPL, issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De). Always choose XRP Ledger on Uphold and Bitstamp so your RLUSD settles in ~4 seconds to XORA's r... address with your Destination Tag.
Why does Uphold block my external RLUSD withdrawal right after an ACH deposit?
Uphold enforces a standard settlement hold on US ACH bank-funded purchases before external crypto withdrawals unlock. Once the cooldown clears (or when funded via wire, card, or settled crypto), XRP Ledger RLUSD withdrawals proceed normally.
Do I need XRP inside Uphold or Bitstamp to pay the XRPL network fee when withdrawing RLUSD?
No. Uphold and Bitstamp deduct any small withdrawal fee directly in RLUSD from the outbound withdrawal amount and cover the underlying XRPL drop burn from their exchange hot wallets.
What happens if I omit my XORA Destination Tag on an Uphold or Bitstamp RLUSD withdrawal?
The RLUSD arrives at XORA's pooled XRPL address unattributed. Retrieve the validated 64-character XRPL transaction hash from your Uphold or Bitstamp withdrawal receipt and contact XORA support for manual attribution.
Sources
- Ripple Official RLUSD Documentation & Dual-Chain Issuers
- Uphold Help Center: Sending Crypto to an External XRP Ledger Wallet
- Bitstamp Support: Crypto Withdrawals & 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, send a 10 RLUSD test withdrawal from Uphold or Bitstamp over XRP Ledger first, and confirm credit in XORA. Rates are variable and not guaranteed.
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