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

Deposit RLUSD from Xaman and Crossmark to XORA (2026)

By XORA · Published · Updated

Send Ripple USD (RLUSD) from Xaman (Xumm) or Crossmark to XORA on XRP Ledger with verified issuer, numeric Destination Tag, and a 10 RLUSD test send.

Short answer

To deposit Ripple USD (RLUSD) from Xaman (formerly Xumm) or Crossmark into XORA, open /app#deposit-rlusd and copy both XORA's XRP Ledger address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag. Confirm your RLUSD trust line points to Ripple's official XRPL issuer (rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), keep at least 1.2 XRP in your self-custody wallet (1 XRP base reserve + 0.2 XRP trust line reserve + tiny drop fee), and sign a 10 RLUSD test transfer first (~4s finality). Where enabled, XORA credits 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.

Deposit RLUSD Calculate XRP yield Reserve @handle Creator Bounties

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

Verifying Ripple's official RLUSD trust line in Xaman and Crossmark

Because anyone on the XRP Ledger can mint a lookalike token using the 160-bit hex code for RLUSD (524C555344000000000000000000000000000000), confirm in Xaman or Crossmark that your RLUSD token shows official Ripple issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De before signing. XORA's treasury validates both the issuer account and currency code on every incoming Payment transaction and ignores spoofed IOU tokens.

Entering XORA's XRPL address + Destination Tag in Xaman (Xumm)

In Xaman, tap your verified Ripple RLUSD trust line -> Send, paste XORA's XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), and tap 'Destination Tag' to enter your exact numeric tag from /app#deposit-rlusd. Xaman automatically recognizes exchange/custody addresses that require tags and warns if the Destination Tag field is empty; never bypass that prompt or type the tag into a private Xaman memo.

Signing XRPL RLUSD Payment transactions in Crossmark

In the Crossmark browser extension, select your native XRPL mainnet account (verify you are on Mainnet rather than Testnet/Devnet), click Send -> select RLUSD (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), paste XORA's r... address, and fill the numeric Destination Tag input. Review the decoded Payment JSON preview (Destination, DestinationTag, and Amount.issuer) before approving with your password or connected Ledger hardware key.

XRPL reserve math, 10 RLUSD test send (~4s), and rate disclosures

Your self-custody XRPL wallet keeps 1 XRP locked as base reserve plus 0.2 XRP per open trust line (so 1 RLUSD trust line locks 1.2 XRP total, plus ~0.00001 XRP burned per transaction), while your entire RLUSD balance itself is 100% transferable with zero reserve lock on RLUSD units. Send a 10 RLUSD test transfer first, confirm credit in XORA (~4 seconds), then transfer the rest. Where enabled, XORA quotes up to 17% variable RLUSD APY value with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Xaman vs Crossmark vs XORA RLUSD transfer comparison

ParameterXaman (iOS / Android)Crossmark (Browser Extension)XORA RLUSD rail
Verified issuerRipple rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5DeRipple rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5DeStrict issuer + 160-bit hex check
Destination TagMandatory numeric Tag (RequireDest prompt)Mandatory numeric DestinationTag fieldRequired numeric tag at /app#deposit-rlusd
XRP gas & reserve~0.00001 XRP fee; 1.2 XRP stays in wallet~0.00001 XRP fee; 1.2 XRP stays in wallet100% of RLUSD balance can be sent ($0 XORA fee)
Test send & speed10 RLUSD test (~4s XRPL finality)10 RLUSD test (~4s XRPL finality)Up to 17% variable RLUSD APY where enabled
⚠ Official Ripple issuer + Destination Tag required

Only send official Ripple USD on XRPL (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) with your numeric XORA Destination Tag. Fake XRPL tokens named RLUSD from other issuers and untagged transfers cannot be credited automatically.

Checklist

  1. Open /app#deposit-rlusd in XORA and copy both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your numeric Destination Tag.
  2. In Xaman or Crossmark (on XRPL Mainnet), select your RLUSD asset and verify the issuer address equals rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De.
  3. Confirm your wallet holds a small spendable XRP buffer above your 1.2 XRP reserve to cover the ~0.00001 XRP network drop fee.
  4. Paste XORA's XRPL r... address and enter your exact numeric Destination Tag in the dedicated Destination Tag field.
  5. Sign and broadcast a 10 RLUSD test Payment first and wait ~4 seconds for validated XRPL finality.
  6. Verify the 10 RLUSD test appears in XORA, then transfer your remaining RLUSD using the identical address and Destination Tag.

Frequently Asked Questions

Can I send 100% of my RLUSD balance from Xaman or Crossmark without leaving a reserve in RLUSD?

Yes. XRPL account and trust line reserves (1 XRP base + 0.2 XRP per trust line) are locked in native XRP, not in RLUSD. As long as your wallet has spendable XRP for the ~0.00001 XRP fee, you can send your full RLUSD token balance.

Can I delete my RLUSD trust line in Xaman or Crossmark after sending RLUSD to XORA to reclaim 0.2 XRP?

Yes, once your RLUSD balance reaches exactly 0, removing the empty RLUSD trust line in Xaman or Crossmark unlocks its 0.2 XRP owner reserve back into spendable XRP (keep it open if you plan to withdraw RLUSD back to that wallet later).

How do I check that my RLUSD in Xaman or Crossmark is genuine Ripple RLUSD?

Inspect the token details in Xaman or Crossmark (or paste your r... address on xrpscan.com) and confirm the issuer is rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De. Never swap into or send unverified lookalike tokens.

What if I sent RLUSD from Crossmark or Xaman without my XORA Destination Tag?

Your RLUSD lands in XORA's shared XRPL treasury without automatic user attribution. Copy the 64-character XRPL transaction hash from Xaman, Crossmark, or xrpscan.com and contact XORA support for manual verification.

Sources

Next

Open /app#deposit-rlusd, copy XORA's XRPL address and your numeric Destination Tag, send a 10 RLUSD test transfer from Xaman or Crossmark over XRP Ledger first, and confirm credit in XORA. Rates are variable and not guaranteed.

Deposit RLUSD

Related guides

Compare XORA

Learn more