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

Deposit XRP from D'CENT and Keystone to XORA (2026)

By XORA · Published · Updated

Send native XRP on XRPL from D'CENT Biometric Wallet or Keystone 3 Pro air-gapped QR wallet to XORA with numeric Destination Tag and a 10 XRP test send.

Short answer

To deposit native XRP from a D'CENT Biometric / Card Wallet or a Keystone 3 Pro air-gapped QR hardware wallet into XORA, open /app#deposit-xrp, copy XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your unique numeric Destination Tag, inspect both fields on the hardware screen before biometric or QR signing, and verify a 10 XRP test transfer (~4 seconds finality).

Open Xora Calculate XRP yield Reserve @handle Creator Bounties

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

D'CENT Biometric Wallet and Keystone 3 Pro XRPL workflows

D'CENT (built by South Korea's IoTrust) pairs a Bluetooth biometric fingerprint cold wallet or NFC All-in-One Card with the D'CENT mobile app, widely used by Korean and global XRP holders alongside Upbit, Bithumb, Coinone, and Korbit. Keystone 3 Pro uses 100% air-gapped dynamic QR codes (zero USB data or Bluetooth signing) paired with XRP Toolkit or compatible companion apps to construct and broadcast native XRP Ledger Payment transactions.

On-device Destination Tag verification before biometric or QR approval

In the D'CENT app or Keystone companion interface (such as XRP Toolkit), paste XORA's XRPL r-address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and enter your exact numeric XORA Destination Tag into the Destination Tag field. Before touching D'CENT's fingerprint sensor or scanning Keystone's signed QR response back to your phone/browser, confirm both the r-address and numeric Destination Tag on the hardware display itself.

Native XRPL deposit vs Flare FXRP smart-contract bridges

D'CENT and Keystone users often see Flare Network integrations (such as wrapping XRP into FXRP or liquid-staking stXRP on EVM chains). XORA accepts native XRP directly on the XRP Ledger with zero EVM bridging, zero smart-contract wrap fees, and ~4-second XRPL settlement. Leave at least 1 XRP (+ 0.2 XRP per trust line or XRPL object) in your D'CENT or Keystone XRPL account for the protocol base reserve.

Cold-storage barbell allocation, Korean Travel Rule utility, and risks

Hardware wallets earn 0% native protocol yield on XRP while eliminating third-party custody risk. Many D'CENT and Keystone holders keep core cold storage offline and route a dedicated yield tranche to XORA (currently up to 22% variable Tier 1 XRP APY value on 0 to 1,000 XRP: 15% native XRP + 7% est. XORA reward value, plus up to 17% on XRPL RLUSD where enabled). In South Korea, a registered personal D'CENT wallet can also act as the self-custody XRPL hop when Korean exchanges apply Travel Rule restrictions. Rates are variable, partially bootstrap-subsidized, and not guaranteed; XORA is custodial, not a bank, and not KDIC, FDIC, or SIPC insured.

D'CENT and Keystone to XORA XRPL transfer checklist

StepD'CENT Biometric / CardKeystone 3 Pro (Air-Gapped)XORA XRPL requirement
Signing transportBluetooth + biometric / NFC tapCamera dynamic QR (air-gapped)Native XRP Ledger Payment tx
Destination TagEnter in D'CENT Tag field + check OLEDEnter in XRP Toolkit Tag + check screenMandatory unique numeric tag
XRPL base reserve1 XRP (+ 0.2 XRP per trust line)1 XRP (+ 0.2 XRP per XRPL object)$0 XORA deposit fee (~0.00001 XRP net)
Recommended test10 XRP test transfer (~4s)10 XRP test transfer (~4s)Confirm credit before scaling
⚠ 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 unique numeric Destination Tag.
  2. Open the D'CENT mobile app (connected to your D'CENT Biometric or Card Wallet) or your Keystone 3 Pro XRPL companion (such as XRP Toolkit) and select native XRP on XRP Ledger Mainnet.
  3. Paste XORA's XRPL r-address and enter your exact numeric XORA Destination Tag (never leave Destination Tag empty).
  4. Enter a 10 XRP test amount while leaving at least 1 XRP (+ 0.2 XRP per trust line) inside your hardware wallet for the XRPL reserve.
  5. Verify the recipient r-address AND numeric Destination Tag directly on your D'CENT OLED screen or Keystone 3 Pro touchscreen, then sign via fingerprint or air-gapped QR scan.
  6. Confirm the 10 XRP test deposit credits in XORA (~4 seconds after broadcast), then repeat with the identical address and tag for your target allocation.

Frequently Asked Questions

Can I stake native XRP directly inside D'CENT or Keystone 3 Pro?

No. The XRP Ledger uses validator consensus with 0% native protocol staking inflation. Any yield tab inside a multi-chain wallet involves third-party DeFi bridges (such as Flare FXRP) or external custodians rather than risk-free XRPL protocol staking.

How do I send XRP from Keystone 3 Pro if Keystone's mobile app focuses on QR companions?

Pair your Keystone 3 Pro's XRPL account via QR sync with XRP Toolkit (or a supported XRPL QR companion), construct a standard XRPL Payment to XORA's r-address with your numeric Destination Tag, inspect both fields on Keystone's touchscreen, and scan the signed QR back to broadcast.

Can Korean Upbit or Bithumb users hop XRP through D'CENT to XORA?

Where permitted under local rules, Korean holders who have registered their personal self-custody D'CENT XRPL address with a Korean VASP can withdraw XRP to D'CENT first (keeping 1 XRP for the XRPL reserve) and then send native XRP from D'CENT to XORA with their numeric XORA Destination Tag.

Are XRP deposits sent from D'CENT or Keystone to XORA insured?

No. Moving XRP from hardware self-custody into XORA replaces self-custody with custodial counterparty risk. XORA is not a bank, balances are not insured by KDIC, FDIC, or SIPC, and published APY values are variable and not guaranteed.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, verify both on your D'CENT or Keystone screen, and confirm a 10 XRP test send first. Rates are variable and not guaranteed.

Open Xora

Other exchange deposit guides

Related guides

Compare XORA

Learn more