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

Deposit XRP and XLM from Atomic Wallet and Guarda to XORA (2026)

By XORA · Published · Updated

Transfer native XRP (with Destination Tag) and Stellar XLM (with Memo) from Atomic Wallet or Guarda Wallet to XORA after a 10-unit test send.

Short answer

To deposit native XRP or Stellar XLM from Atomic Wallet or Guarda Wallet into XORA, copy the matching rail's deposit address and routing identifier from /app#deposit-xrp (XRPL r-address + numeric Destination Tag) or /app#deposit-xlm (Stellar G-address + Memo), keep your 1 XRP or 1 XLM wallet base reserve intact, and confirm a 10 XRP or 10 XLM test transfer before sending larger balances.

Open Xora Calculate XRP yield Reserve @handle Creator Bounties

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

Why Atomic Wallet and Guarda show 0% native staking for XRP and XLM

Although Atomic Wallet and Guarda support delegated staking on Proof-of-Stake chains, neither the XRP Ledger nor the Stellar network pays native protocol staking rewards (Stellar abolished protocol inflation in 2019, and XRPL uses validator consensus with zero inflation). Self-custody XRP and XLM inside Atomic Wallet or Guarda therefore earn 0% native protocol yield.

Sending native XRP with your numeric Destination Tag

In Atomic Wallet or Guarda, select native XRP (XRP Ledger mainnet, never a wrapped BSC or ERC-20 token), paste XORA's shared XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), and enter your exact numeric XORA Destination Tag into the Destination Tag input. Retain at least 1 XRP (+ 0.2 XRP per trust line) for the XRPL base reserve.

Sending native Stellar XLM with your required Stellar Memo

For Stellar Lumens (XLM), open /app#deposit-xlm in XORA, copy XORA's Stellar G... deposit address AND your account's required Stellar Memo, and paste both into Atomic Wallet or Guarda's XLM Send screen (keeping at least 1 XLM base reserve + 0.5 XLM per subentry in your source Stellar wallet). Just like XRPL Destination Tags, omitting the Stellar Memo prevents automatic account attribution.

Custodial yield and risk disclosures across XRP and XLM

Once credited, XORA accrues variable daily custodial yield (currently up to 22% XRP Tier 1 APY value on 0 to 1,000 XRP, up to 21% variable APY value on native XLM, and up to 17% on XRPL RLUSD where enabled), partially supported by a finite bootstrap subsidy. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Atomic Wallet and Guarda to XORA XRP & XLM routing rules

Asset railXORA screenRouting tag / memoProtocol wallet reserve
Native XRP (XRPL)/app#deposit-xrpMandatory numeric Destination Tag1 XRP base (+ 0.2 XRP/object)
Native XLM (Stellar)/app#deposit-xlmMandatory Stellar Memo1 XLM base (+ 0.5 XLM/subentry)
Settlement finality~3 to 5 secondsVerify 10 XRP or 10 XLM test first< $0.01 network fee burned
⚠ Tag required

Always include the destination tag with your XRP deposit. Without it the funds cannot be credited to your account automatically and recovery requires manual support intervention.

Checklist

  1. Open /app#deposit-xrp for XRP or /app#deposit-xlm for Stellar XLM in XORA and copy both the deposit address and the required Destination Tag or Memo.
  2. Open Atomic Wallet or Guarda Wallet on desktop or mobile and select native XRP (XRPL) or native XLM (Stellar).
  3. Paste XORA's deposit address and enter your exact Destination Tag (for XRP) or Memo (for XLM) in the dedicated tag/memo field.
  4. Send a 10 XRP or 10 XLM test transfer while leaving the 1 XRP or 1 XLM protocol base reserve in your self-custody wallet.
  5. Wait 3 to 5 seconds for XRPL or Stellar finality and verify the test credit appears in your XORA dashboard.
  6. Send your remaining XRP or XLM allocation using the identical address and tag/memo pair.

Frequently Asked Questions

Can I stake XRP or XLM inside Atomic Wallet or Guarda?

No. Neither the XRP Ledger nor Stellar distributes native Proof-of-Stake rewards, so holding XRP or XLM in Atomic Wallet or Guarda earns 0% protocol yield while keeping private keys on your device.

What happens if I omit the Destination Tag on XRP or the Memo on XLM?

Because XORA uses shared custodial accounts routed by Destination Tag (XRPL) and Memo (Stellar), omitting the identifier means your transfer arrives unattributed and requires manual support verification with your transaction hash.

How much XRP or XLM stays locked in Atomic Wallet or Guarda?

XRPL requires a 1 XRP base reserve (+ 0.2 XRP per owned object) and Stellar requires a 1 XLM base reserve (+ 0.5 XLM per subentry such as trust lines) to keep an external self-custody wallet active.

Are XRP and XLM balances on XORA insured?

No. XORA is a custodial neobank, not a bank, and balances carry custodial counterparty risk and are not FDIC or SIPC insured. Published APY values are variable and not guaranteed.

Sources

Next

Open /app#deposit-xrp or /app#deposit-xlm, copy both the deposit address and your required Destination Tag or Stellar Memo, and confirm a 10 XRP or 10 XLM test send first. Rates are variable and not guaranteed.

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