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

Deposit XRP from CEX.IO and BTC Markets to XORA (2026)

By XORA · Published · Updated

Send native XRP from CEX.IO or Australia's BTC Markets to XORA over XRP Ledger with your numeric Destination Tag and a 10 XRP test send.

Short answer

To deposit native XRP from CEX.IO (Wallet / Spot Trading) or Australia's AUSTRAC-registered BTC Markets (AUD PayID / Osko XRP on-ramp) into XORA, open /app#deposit-xrp, copy XORA's XRP Ledger address and your unique numeric Destination Tag, select native XRP Ledger (XRPL) in your exchange withdrawal screen, complete any UK/EEA or Australian Travel Rule recipient prompts accurately, and confirm a 10 XRP test transfer first.

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

Funding XRP via CEX.IO and Australia's BTC Markets (PayID / Osko)

CEX.IO provides multi-currency card, SEPA, Faster Payments, and Spot Trading XRP liquidity, while BTC Markets is one of Australia's longest-running AUSTRAC-registered digital currency exchanges with instant AUD PayID/Osko funding and deep XRP/AUD order books. Note that first-time fiat or card deposits on either venue may carry a temporary 24-to-72 hour outbound crypto security hold before on-chain XRP withdrawals unlock.

Native XRP Ledger network and mandatory numeric Destination Tag

Both CEX.IO and BTC Markets broadcast native XRP withdrawals over the XRP Ledger. When withdrawing to XORA's shared treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), you must paste your exact numeric Destination Tag from /app#deposit-xrp into the Destination Tag field (do not leave it blank or enter text notes).

UK/EEA TFR and Australian AUSTRAC Travel Rule beneficiary prompts

Depending on your jurisdiction, CEX.IO or BTC Markets may ask whether the recipient address belongs to a self-custody wallet or a custodial VASP/service provider. XORA operates a shared custodial treasury attributed by Destination Tag rather than a personal unhosted wallet; answer recipient prompts accurately or route via a personal Xaman or Ledger XRPL wallet (keeping the 1 XRP base reserve in mind) if your local exchange restricts direct VASP-to-VASP options.

0% spot exchange custody vs XORA variable yield disclosures

Holding XRP on BTC Markets or CEX.IO Spot pays 0% native yield. Where enabled, XORA quotes up to 22% variable XRP Tier 1 APY value (15% native XRP + ~7% estimated XORA reward value on 0 to 1,000 XRP) and up to 17% on XRPL RLUSD with daily compounding and $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FCS, FSCS, FDIC, or SIPC insured.

CEX.IO and BTC Markets to XORA XRP transfer checklist

ItemCEX.IOBTC Markets (Australia)XORA XRPL rail
Fiat on-ramp & holdsUSD/EUR/GBP Spot & WalletAUD PayID / Osko (first-deposit hold check)Native XRP Ledger (/app#deposit-xrp)
NetworkXRP Ledger (native XRPL)XRP Ledger (native XRPL)Classic r-address on XRPL Mainnet
Destination TagRequired numeric Destination TagRequired numeric Destination TagMandatory 9-digit attribution tag
Verification & test2FA + email link + 10 XRP test send2FA + SMS/email + 10 XRP test send$0 XORA deposit fee (~4s finality)
⚠ 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 XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) plus your numeric Destination Tag.
  2. In CEX.IO Wallet or BTC Markets (Account -> Withdraw -> XRP), ensure any first-time AUD PayID or card deposit hold has cleared.
  3. Select native XRP Ledger as the withdrawal network and paste XORA's XRPL address.
  4. Enter your exact numeric Destination Tag in the Destination Tag field and verify that every digit matches /app#deposit-xrp.
  5. Complete any Travel Rule beneficiary prompt accurately, authorize a 10 XRP test send with 2FA and email confirmation, and confirm credit in XORA (~4 seconds after broadcast).
  6. Save the verified XORA XRPL address and Destination Tag in your exchange address book and retain AUD/GBP/EUR cost-basis records for tax reporting.

Frequently Asked Questions

Why did BTC Markets hold my first XRP withdrawal after an AUD PayID deposit?

Australian exchanges including BTC Markets apply a standard security hold (often 24 to 72 hours) on initial PayID/Osko fiat deposits from a newly linked bank account before allowing outbound crypto withdrawals.

Can I leave the Destination Tag blank on BTC Markets or CEX.IO when sending to XORA?

No. XORA uses a shared XRPL treasury address and relies on your numeric Destination Tag to credit your account automatically. Leaving the tag blank sends an unattributed deposit requiring manual support review.

Does XORA accept AUD PayID or GBP Faster Payments directly?

No. Fund BTC Markets or CEX.IO in fiat first, buy native XRP on the spot book, and withdraw native XRP on-chain to /app#deposit-xrp.

Are XORA XRP balances covered by Australia's FCS or UK FSCS protection?

No. XORA is a custodial crypto neobank, not a bank, and balances are not covered by Australian FCS, UK FSCS, US FDIC, or SIPC insurance. Rates are variable and not guaranteed.

Sources

Next

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

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