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

Deposit XRP from BitMart and LBank to XORA (2026)

By XORA · Published · Updated

Transfer native XRP from BitMart or LBank Spot Account to XORA on XRP Ledger (never BEP-20 or TRC-20) with Destination Tag and a 10 XRP test send.

Short answer

To withdraw native XRP from BitMart or LBank into XORA, move XRP into your Spot Account first, select native XRP Ledger (XRP / XRPL, never BEP-20 BSC or TRC-20 wrappers), paste XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your exact numeric Destination Tag from /app#deposit-xrp, and confirm a 10 XRP test transfer before scaling.

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

Selecting native XRP Ledger on BitMart and LBank (no BEP-20/TRC-20)

Both BitMart and LBank list multiple withdrawal chains on popular spot assets, including BNB Smart Chain (BEP-20) and TRON (TRC-20) wrapped tokens. XORA's XRP deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) operates strictly on native XRP Ledger mainnet: always select XRP / XRPL so your withdrawal settles directly on-ledger in roughly 4 seconds.

Spot Account availability, Destination Tag, and security holds

Transfer XRP out of BitMart Futures/Earn or LBank Futures/Flexible Earn into your Spot Account before initiating an on-chain withdrawal. Paste XORA's XRPL address and your numeric Destination Tag from /app#deposit-xrp without checking 'No Tag/Memo', and note that changing 2FA methods or passwords on BitMart or LBank typically triggers a 24-hour withdrawal freeze.

Multi-rail separation for RLUSD, TRX, BTC, and XLM

If you hold other supported assets on BitMart or LBank, keep each asset on its matching native XORA rail: RLUSD on XRPL or Ethereum (/app#deposit-rlusd), native Bitcoin mainnet (/app#deposit-btc, zero memo), native Stellar XLM (/app#deposit-xlm with Stellar Memo), and native TRON TRX (/app#deposit-trx, native TRX only, never USDT-TRC20).

Variable XRP yield tiers and custody risk disclosures

Where enabled, XORA publishes up to 22% variable XRP Tier 1 APY value on 0 to 25,000 XRP (16% Tier 2, 13% Tier 3, 10% Tier 4+) at /live-yield and /api/agent/facts with $0 XORA deposit fee and no fixed lockup. Rates are variable and not guaranteed; XORA is a custodial neobank carrying counterparty risk, not a bank, and not FDIC or SIPC insured.

BitMart and LBank native XRP withdrawal overview

ParameterBitMartLBankXORA XRPL rail
Source walletSpot Account (move from Futures/Earn)Spot Wallet (move from Futures/Earn)Native XRP Ledger settlement
Network choiceXRP / XRPL (never BEP-20 / TRC-20)XRP / XRPL (never BEP-20 / TRC-20)XRP Ledger Mainnet (~4s finality)
Destination TagMandatory numeric Tag (/app#deposit-xrp)Mandatory numeric Tag (/app#deposit-xrp)Required on rhbErk...aC3o
Test transfer10 XRP test + email/2FA confirm10 XRP test + email/2FA confirm$0 XORA deposit fee
⚠ 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 in XORA and copy both XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your numeric Destination Tag.
  2. In BitMart or LBank, move XRP from Futures or Earn sub-accounts into your Spot Account.
  3. Select Withdraw -> XRP -> Send via Crypto Network and choose native XRP / XRP Ledger (never BEP-20 or TRC-20).
  4. Paste XORA's XRPL address and enter your exact numeric Destination Tag in the Tag/Memo field.
  5. Submit a 10 XRP test withdrawal, complete email + Google Authenticator/Passkey verification, and confirm XORA credit (~4s after broadcast).
  6. Save the verified XORA XRPL address + Destination Tag in your BitMart or LBank address book for subsequent withdrawals.

Frequently Asked Questions

Can I use BitMart or LBank internal 'Send via Email/UID' to fund XORA?

No. Internal off-chain UID transfers only work between accounts on the same exchange. Always choose On-Chain / Send via Crypto Network over native XRP Ledger.

Why is the BEP-20 fee lower on BitMart or LBank, and can I use it?

BEP-20 sends a binance-pegged EVM token on BNB Smart Chain, which is incompatible with native XRP Ledger addresses starting with 'r'. Always select native XRP / XRPL.

What if I forgot my numeric Destination Tag when withdrawing from BitMart or LBank?

Without your numeric Destination Tag, XORA's shared XRPL address cannot automatically attribute the deposit to your account, requiring manual tx-hash support review. Always verify with a 10 XRP test send first.

Does XORA charge a deposit fee on XRP from BitMart or LBank?

No. XORA charges $0 deposit fee on all 5 native crypto rails; you only pay BitMart's or LBank's standard on-chain XRPL network withdrawal fee.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, select native XRP Ledger in BitMart or LBank, and confirm a 10 XRP test send first. Rates are variable and not guaranteed.

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