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

How to Deposit RLUSD on XRPL to XORA (2026)

By XORA · Published 2026-10-31 · Updated 2026-10-31

Deposit Ripple USD (RLUSD) on the XRP Ledger to XORA: verify issuer, copy XRPL address and Destination Tag, send a 5-10 RLUSD test, and check variable yield.

Short answer

Open /app#deposit-rlusd, confirm the XRP Ledger (XRPL) network and Ripple's official issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De, and copy both XORA's XRPL address and your mandatory numeric Destination Tag. Send a 5-10 RLUSD test first (3-5s finality, < $0.01 XRPL fee) before scaling. Where enabled, XORA quotes a 17% headline variable rate (13% RLUSD plus 4% estimated XORA rewards) after ledger confirmation. 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

Select the XRP Ledger (XRPL) network, never Ethereum ERC-20

Ripple issues RLUSD natively on two separate blockchains: the XRP Ledger (XRPL) and Ethereum mainnet (ERC-20). XORA's RLUSD deposit rail operates on the XRP Ledger only. Before initiating a withdrawal from an exchange or signing from a self-custody wallet such as Xaman or Ledger, select XRP Ledger (XRPL) as the transport network. Never send Ethereum ERC-20 RLUSD to an XRPL r... address. EVM wallets and XRPL accounts use incompatible address formats and state trees, and sending an ERC-20 token to an incompatible chain or wrong gateway can result in permanent loss or uncredited funds.

Verify Ripple's official XRPL issuer and 160-bit currency code

On the XRP Ledger, every non-XRP asset is identified by the combination of its issuer account and currency code. Official Ripple USD on XRPL uses issuer address rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De. Because standard XRPL currency codes hold three ASCII characters, the five-character symbol RLUSD is encoded on-ledger as the 40-character (160-bit) hexadecimal currency code 524C555344000000000000000000000000000000 (ASCII bytes 52 4C 55 53 44 padded with trailing zeroes). XORA validates both the issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De and hex currency code on incoming Payment transactions when the treasury RLUSD trust line is active, rejecting lookalike RLUSD tokens from unauthorized issuers.

Copy both the XRPL address and mandatory Destination Tag

XORA routes XRPL RLUSD deposits into its shared institutional XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and credits individual user accounts using your unique 32-bit numeric Destination Tag. Open /app#deposit-rlusd while signed in and copy both fields directly from your deposit screen. The XRPL r... address delivers RLUSD to XORA custody; the numeric Destination Tag maps that ledger payment to your internal account balance. Paste the tag into the dedicated Destination Tag or Memo field of your sending wallet or exchange, never into a private off-chain note. A transfer sent without the Destination Tag cannot be credited automatically and requires manual reconciliation using your validated XRPL transaction hash.

Send a 5-10 RLUSD test transfer before scaling size

Operational discipline matters on any tag-routed rail. Start with a 5-10 RLUSD test transfer before sending a larger allocation. Once broadcast to the XRP Ledger, validated ledger finality typically completes in 3-5s (3 to 5 seconds) with a base XRPL network fee of < $0.01 (reference 10 drops, or 0.00001 XRP burned from the sender's XRP balance; exchanges may charge their own flat withdrawal fee). Verify on livenet.xrpl.org or xrpscan.com that TransactionResult equals tesSUCCESS and check the validated delivered_amount metadata field, then confirm the 5-10 RLUSD credit appears in your XORA dashboard before sending the remaining balance.

How variable custodial yield works after ledger confirmation

After your XRPL RLUSD payment reaches a validated ledger and passes destination-tag attribution, the balance enters XORA's internal account ledger. Where RLUSD yield is enabled in-app, XORA quotes a 17% headline variable rate (13% native RLUSD plus 4% estimated XORA rewards), accruing after ledger confirmation on the daily 00:00 UTC accounting cycle. During launch, custodial yield is supported by a finite treasury bootstrap subsidy designed to step down as total value locked grows, and XORA token quantity is separate from APY. Check live rail flags (deposits_open, withdrawals_open, yield_paying, headline_apy_rate, native_apy_rate, xora_reward_value_apy_rate) at /api/multiasset/rates and /api/agent/facts before sending: a rail reporting yield_paying: false or yieldEnabled: false pays 0% yield until enabled. Rates are variable and not guaranteed. Custodial balances carry counterparty risk.

Custody, daily reconciliation, and 5-rail routing rules

XORA is custodial, not a bank, and not FDIC or SIPC insured. Individual balances are internal ledger records reconciled daily against treasury backing. There is no fixed lock-up, with withdrawals subject to account, treasury, reconciliation, and risk controls before broadcast. With RLUSD alongside XRP, BTC, TRX, and XLM, XORA supports five distinct deposit rails with chain-specific attribution: XRP and RLUSD share XRPL destination-tag routing, XLM on Stellar requires an account memo, native BTC uses per-account SegWit bc1 addresses with no tag, and native TRX on Tron uses per-account TRON mainnet addresses with no memo.

XORA RLUSD deposit specification and 5-rail routing reference

Rail / Parameter	Network & Asset Rule	Issuer / Address Format	Attribution & Test Protocol
RLUSD (Ripple USD)	XRP Ledger (XRPL) only; never send Ethereum ERC-20 RLUSD	Issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De; hex 524C555344000000000000000000000000000000	Shared XRPL treasury rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o + mandatory numeric Destination Tag; 5-10 RLUSD test (3-5s finality, < $0.01 XRPL fee); 17% variable rate (13% RLUSD + 4% est. XORA rewards) where enabled
XRP (Native)	XRP Ledger (XRPL) native XRP only; no wrapped EVM/BNB tokens	Shared XRPL treasury rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o	Mandatory numeric Destination Tag; 3-5s XRPL finality (< $0.01 fee); up to 22% Tier 1 variable APY value
BTC (Bitcoin)	Bitcoin mainnet native BTC only; no wrapped ERC-20 BTC	Dedicated per-account native SegWit bc1 address	Address-attributed (no tag or memo); test above dust threshold; up to 14% variable APY value where enabled
TRX (TRON)	TRON mainnet native TRX only; TRC-20 tokens are not credited	Dedicated TRON mainnet T... deposit address	Address-attributed (no memo); TronLink or QR/copy; up to 28% variable APY pilot where enabled
XLM (Stellar)	Stellar mainnet native XLM plain payment only; no muxed swaps	Pooled Stellar G... treasury address	Mandatory numeric account Memo (MEMO_ID or digits-only MEMO_TEXT); up to 21% variable APY where enabled

XRPL network, issuer, and Destination Tag required

Send RLUSD on the XRP Ledger only, never Ethereum ERC-20 RLUSD to an XRPL r... address. Verify official Ripple issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De (hex 524C555344000000000000000000000000000000) and include your mandatory numeric Destination Tag from /app#deposit-rlusd. Check live deposit and yield flags at /api/agent/facts before sending. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC or SIPC insured.

Checklist

Verify live RLUSD rail status (deposits_open, withdrawals_open, and yield_paying) at agent facts and multiasset rates before initiating a transfer.
Sign in to XORA at Deposit RLUSD and confirm the deposit screen displays the XRP Ledger (XRPL) rail and active treasury trust line.
In your sending wallet or exchange, select XRP Ledger (XRPL) as the network and verify Ripple's official issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De with 160-bit currency code 524C555344000000000000000000000000000000. Never select Ethereum (ERC-20).
Copy both XORA's XRPL deposit address and your mandatory numeric Destination Tag from /app#deposit-rlusd into the recipient address and Destination Tag fields.
Send a 5-10 RLUSD test transfer first (3-5s XRPL finality, < $0.01 XRPL network fee), confirm ledger credit in your XORA balance, and test withdrawal controls before scaling size. Compare stablecoin alternatives in RLUSD vs USDC Yield and RLUSD Yield on XRPL.

Frequently Asked Questions

Can I send Ethereum ERC-20 RLUSD to XORA's XRPL deposit address?

No. Never send Ethereum ERC-20 RLUSD to an XRPL r... address. XORA's RLUSD rail accepts XRP Ledger (XRPL) RLUSD only from Ripple's official XRPL issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De. Sending ERC-20 tokens on Ethereum or any EVM network will not credit your XORA account.

How do I verify authentic RLUSD on the XRP Ledger?

Check both the issuer address and currency code before signing or withdrawing. Official RLUSD on XRPL is issued by rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De and uses the 160-bit hexadecimal currency code 524C555344000000000000000000000000000000 (ASCII RLUSD padded to 20 bytes). XORA rejects tokens from any other issuer.

Is the Destination Tag mandatory when depositing RLUSD to XORA?

Yes. XORA uses a shared XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and relies on your unique numeric Destination Tag from /app#deposit-rlusd to attribute the RLUSD payment to your internal account. Without the Destination Tag, automatic crediting fails and manual recovery requires your XRPL transaction hash.

How fast does an XRPL RLUSD deposit confirm, and what does it cost?

Once broadcast by your wallet or exchange, XRP Ledger consensus typically reaches finality in 3-5s (3 to 5 seconds) for an on-ledger network fee of < $0.01 (reference 10 drops, or 0.00001 XRP burned by the sender). Always send a 5-10 RLUSD test transfer first; centralized exchanges may add their own withdrawal review window or fee before broadcasting.

How does XORA's 17% RLUSD yield work, and is it guaranteed?

Where enabled in-app, XORA quotes a 17% headline variable rate on XRPL RLUSD (13% native RLUSD plus 4% estimated XORA rewards) after ledger confirmation, supported during launch by a finite treasury bootstrap subsidy. XORA token quantity is separate from APY. Check /api/multiasset/rates and /api/agent/facts for live capability flags: if yield_paying is false, the rail pays 0% until enabled. Rates are variable and not guaranteed.

Is XORA RLUSD custody insured by FDIC or SIPC?

No. XORA is custodial, not a bank, and not FDIC or SIPC insured. Balances are internal ledger records reconciled daily against treasury backing, with no fixed lock-up and withdrawals subject to account, treasury, reconciliation, and risk controls before broadcast. Custodial balances carry counterparty risk.

Sources

Open /app#deposit-rlusd to verify live rail availability, copy your XRPL deposit address and mandatory Destination Tag, and send a 5-10 RLUSD test transfer first. Rates are variable and not guaranteed.

Deposit RLUSD