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

Deposit XRP from CoinJar and Blockchain.com to XORA (2026)

By XORA · Published · Updated

Send native XRP from CoinJar or Blockchain.com to XORA over XRP Ledger with your numeric Destination Tag and a 10 XRP test transfer.

Short answer

To deposit native XRP from CoinJar (UK Faster Payments or Australian AUD PayID/Osko account) or from Blockchain.com (Custodial Trading Account, Exchange, or DeFi Wallet) into XORA, open /app#deposit-xrp, copy XORA's XRPL address and your unique numeric Destination Tag, select native XRP Ledger, complete any UK/Australian Travel Rule prompts accurately, and confirm a 10 XRP test send first.

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

CoinJar (UK & Australia) vs Blockchain.com (Trading vs DeFi Wallet)

CoinJar operates FCA-registered UK GBP Faster Payments and AUSTRAC-registered Australian AUD PayID/Osko accounts with native XRP Ledger withdrawals from your Everyday XRP account or CoinJar Exchange. Blockchain.com separates its custodial Trading/Rewards Account from its self-custodial DeFi Wallet: if withdrawing from the Blockchain.com DeFi Wallet, remember the XRP Ledger protocol keeps a 1 XRP base reserve in your wallet.

Native XRP Ledger network and mandatory numeric Destination Tag

Both CoinJar and Blockchain.com broadcast XRP over native XRP Ledger Mainnet. Because XORA credits accounts on a shared XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), you must enter your exact numeric Destination Tag from /app#deposit-xrp in the Destination Tag / Memo field every time.

UK FCA / Australian AUSTRAC Travel Rule and first-deposit holds

Initial bank or card funding on CoinJar or Blockchain.com can carry a 24-to-72 hour security hold before external crypto sends unlock. Under UK FCA and Australian AUSTRAC Travel Rule workflows, identify XORA accurately as a custodial service (never mislabel XORA's shared treasury as a personal unhosted wallet), or route through your own Xaman or Ledger XRPL wallet first if VASP dropdown options are restricted.

Custodial disclosures and variable XRP / RLUSD yield

Holding XRP in CoinJar Everyday or Blockchain.com DeFi Wallet pays 0% native protocol 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 $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FSCS, FCS, FDIC, or SIPC insured.

CoinJar and Blockchain.com to XORA XRP transfer checklist

ItemCoinJar (UK / AU)Blockchain.comXORA XRPL rail
Source walletEveryday XRP / CoinJar ExchangeTrading Account or DeFi Wallet (1 XRP reserve)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 Tag / MemoMandatory 9-digit attribution tag
Verification & test2FA + Travel Rule + 10 XRP test send2FA + 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 both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your numeric Destination Tag.
  2. In CoinJar (Accounts -> XRP -> Send -> External Wallet) or Blockchain.com (XRP -> Send), confirm any fiat settlement hold has cleared.
  3. Paste XORA's XRPL address and enter your exact numeric Destination Tag in the Destination Tag field (if sending from Blockchain.com DeFi Wallet, leave at least 1 XRP base reserve behind).
  4. Complete any UK/AU Travel Rule recipient prompt accurately and verify every digit of the Destination Tag.
  5. Authorize a 10 XRP test transfer via 2FA / biometrics and confirm XORA credit (~4 seconds after on-chain broadcast).
  6. Once the 10 XRP test send settles in XORA, transfer your remaining allocation with the identical XRPL address and Destination Tag.

Frequently Asked Questions

Why did Blockchain.com DeFi Wallet leave 1 XRP behind when I tapped Max?

Self-custodial XRPL wallets including Blockchain.com's DeFi Wallet must maintain the XRP Ledger's 1 XRP base reserve (+ 0.2 XRP per trust line) to keep the on-ledger account active.

Can I send GBP Faster Payments or AUD PayID from CoinJar directly to XORA?

No. XORA accepts on-chain crypto deposits only. Convert GBP or AUD into native XRP inside CoinJar first, then send native XRP over the XRP Ledger to /app#deposit-xrp with your Destination Tag.

What if CoinJar's UK Travel Rule form asks whether XORA is self-custody?

XORA is a custodial crypto neobank using a shared XRPL treasury address and Destination Tag, so select custodial service/exchange rather than self-hosted wallet (or send via your own Xaman/Ledger XRPL wallet first).

Are XORA balances insured by UK FSCS or Australian FCS?

No. XORA is not a bank, and custodial balances carry counterparty risk with no UK FSCS, Australian FCS, US FDIC, or SIPC protection. 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 CoinJar or Blockchain.com, and confirm a 10 XRP test send first. Rates are variable and not guaranteed.

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