Updated 2026-10-31 · 7 min read · Guide

Deposit XRP from Bitso and Mercado Bitcoin to XORA (2026)

By XORA · Published · Updated

How to send XRP from Bitso (Mexico/Brazil) or Mercado Bitcoin to XORA: native XRPL network, Destination Tag, 10 XRP test send, and up to 22% APY value.

Short answer

Open XORA at /app#deposit-xrp, copy BOTH XORA's shared XRP Ledger treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) AND your unique numeric Destination Tag, and paste both into Bitso or Mercado Bitcoin on the native XRP Ledger network. Bitso in Mexico and Brazil (MXN SPEI and BRL PIX) and Mercado Bitcoin in Brazil (BRL PIX) anchor Latin America's largest retail and cross-border XRP liquidity corridors. Because both exchanges process high-frequency XRPL settlements using shared liquidity pools, they strictly support Destination Tags on outbound XRPL transfers and require selecting the native XRP Ledger network. Always send a 10 XRP test transfer first (~4-second XRPL settlement after broadcast, $0 XORA deposit fee). Eligible Tier 1 XRP balances from 0 to 1,000 XRP earn up to 22% variable APY value (15% native XRP yield plus 7% estimated XORA reward value), while native XRPL RLUSD quotes up to 17% variable APY value where enabled. Model projections in /xrp-yield-calculator and review solvency architecture at /security. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC, SIPC, IPAB, or FGC insured.

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Direct rails: Deposit XRP · Deposit RLUSD · Deposit BTC · RLUSD on XRPL guide

Why Latin American XRP holders move balances from Bitso and Mercado Bitcoin

Bitso pioneered instant MXN SPEI and BRL PIX liquidity for the XRP Ledger across Mexico and Brazil, while Mercado Bitcoin serves millions of Brazilian crypto investors via instant PIX funding. Despite deep spot XRP liquidity, idle XRP sitting in standard exchange accounts earns 0% spot return. Moving XRP to XORA enables liquid daily compounding with zero fixed lock-up terms: up to 22% variable APY value on Tier 1 balances from 0 to 1,000 XRP (15% native XRP yield plus 7% estimated XORA reward value), stepping to 19%, 17%, and 15% on larger tiers.

Sending native XRP from Bitso (MXN SPEI / BRL PIX)

Inside Bitso or Bitso Alpha, open XRP, choose Send via XRP Ripple Network (XRPL), paste XORA's treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), and enter your personal numeric Destination Tag from /app#deposit-xrp. Bitso includes a checkbox for 'No Destination Tag': keep that checkbox UNCHECKED so your numeric tag stays attached. Confirm the transfer with your Bitso transaction PIN and 2FA code.

Sending native XRP from Mercado Bitcoin (BRL PIX)

In Mercado Bitcoin, navigate to XRP Transfer/Enviar, confirm your security limits and two-factor authentication, paste rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o as the destination r-address, and paste your exact numeric Destination Tag in the Tag/Memo input. Note that newly enabled external crypto withdrawal permissions or new security devices on Mercado Bitcoin can trigger a standard security cooldown before outbound broadcast.

Executing a 10 XRP test transfer and 4-second XRPL settlement

Always verify your route with a 10 XRP test transfer before moving larger MXN- or BRL-sourced XRP holdings. Once Bitso or Mercado Bitcoin broadcasts the transaction onto the XRP Ledger, consensus finality completes in approximately 4 seconds (3 to 5 seconds). XORA charges $0 on incoming XRP deposits, and native XRPL fees are fractions of a cent. Confirm the 10 XRP credit appears in your XORA dashboard before sending remaining funds.

Custodial disclosures, finite bootstrap subsidy, and untagged recovery

XORA is an international custodial XRP neobank, not a Mexican CNBV/Banxico institution or Brazilian Central Bank institution, and balances are not covered by IPAB, FGC, FDIC, or SIPC insurance. Native XRP yield is supported during protocol bootstrap by a finite treasury subsidy that steps down as total deposits grow. If you ever submit an untagged XRP withdrawal by mistake, copy the 64-character XRPL transaction hash from Bitso or Mercado Bitcoin and email hello@xora.finance for manual recovery.

Bitso and Mercado Bitcoin vs XORA XRP deposit parameters

ParameterBitso / Mercado BitcoinXORA Custodial AccountKey Verification
Spot XRP yield0% idle spot XRP returnUp to 22% APY value on 0 to 1,000 XRP15% native XRP + 7% est. XORA reward value
Fiat funding railMXN SPEI & BRL PIX on-rampsCredits native XRPL XRP & RLUSDBuy XRP locally, withdraw on native XRPL
Destination TagTag input (Bitso has No-Tag checkbox)Mandatory unique numeric Destination TagKeep No-Tag UNCHECKED; paste exact digits
Settlement speedPIN/2FA approval + ~4s XRPL finality$0 XORA deposit fee; auto-creditingSend a 10 XRP test transfer first
Lock-up requirementExchange security cooldowns applyNo fixed lock-up; daily compoundingWithdraw back to XRPL wallet anytime
Mandatory numeric Destination Tag and native XRPL network

When withdrawing XRP from Bitso or Mercado Bitcoin to XORA, select the native XRP Ledger (XRPL) network and enter your exact numeric Destination Tag from /app#deposit-xrp alongside rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o. Never select 'No Destination Tag' or leave the tag blank when sending to XORA.

Checklist

  1. Open Deposit XRP in XORA and copy both XORA's XRPL address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag.
  2. In Bitso or Mercado Bitcoin, open XRP Withdraw/Send and confirm the native XRP Ledger (XRPL) network is selected.
  3. Paste rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o into the recipient address field and paste your exact numeric Destination Tag (leaving any 'No Tag' box unchecked).
  4. Send a 10 XRP test transfer first and approve Bitso's transaction PIN/2FA or Mercado Bitcoin's 2FA/email confirmation.
  5. Confirm the 10 XRP balance credits inside XORA within ~4 seconds of XRPL broadcast before sending larger balances.

Frequently Asked Questions

Do Bitso and Mercado Bitcoin require a Destination Tag when sending XRP to XORA?

Yes. XORA holds customer XRP in a shared XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and assigns incoming deposits using your unique numeric Destination Tag. Keep Bitso's 'No Destination Tag' checkbox unchecked and paste your exact numeric tag.

Can I deposit MXN SPEI or BRL PIX directly into XORA?

No. XORA credits on-chain crypto deposits (such as native XRP and RLUSD on the XRP Ledger or BTC on Bitcoin mainnet). Use SPEI on Bitso or PIX on Bitso/Mercado Bitcoin to acquire XRP, then withdraw native XRP on XRPL to your XORA address and Destination Tag.

How fast does an XRP withdrawal from Bitso or Mercado Bitcoin reach XORA?

Bitso typically broadcasts approved XRP withdrawals within moments of PIN/2FA entry, and XRPL ledger validation completes in roughly 4 seconds. Mercado Bitcoin settles similarly in ~4 seconds once security checks pass.

What fees apply when transferring XRP from Bitso or Mercado Bitcoin?

XORA charges $0 on incoming XRP deposits. Bitso and Mercado Bitcoin charge only small flat XRP network withdrawal fees displayed on the confirmation screen prior to signing.

How do I recover an untagged XRP transfer sent from Bitso or Mercado Bitcoin?

Open your Bitso or Mercado Bitcoin withdrawal receipt, copy the 64-character XRPL transaction hash (txid), and email hello@xora.finance with the txid and exact XRP amount for manual recovery.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, and send a 10 XRP test transfer from Bitso or Mercado Bitcoin first. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC, SIPC, IPAB, or FGC insured.

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