Updated 2026-10-31 · 5 min read · Guide

How to Deposit XRP from Independent Reserve and Coinhako to XORA (2026)

By XORA · Published · Updated

Withdraw XRP from Independent Reserve and Coinhako in Singapore to XORA: satisfy MAS Travel Rule checks, choose XRP Ledger, attach your tag, and test 10 XRP.

Short answer

Independent Reserve and Coinhako are MAS-licensed Major Payment Institutions connecting Singapore SGD FAST and PayNow bank rails to native XRP liquidity. You can transfer XRP to XORA by completing MAS PSN02 Travel Rule fields, selecting native XRP Ledger mainnet, and entering your numeric XORA Destination Tag.

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

SGD PayNow and FAST rails to native XRPL

Singapore XRP holders using Independent Reserve or Coinhako can convert SGD via FAST or PayNow into XRP and withdraw over the XRP Ledger. Copy XORA's XRPL address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your unique numeric Destination Tag from /app#deposit-xrp.

MAS PSN02 Travel Rule and address whitelisting

Add your withdrawal address in Independent Reserve or Coinhako, complete the MAS value-transfer beneficiary prompt accurately, and enter your numeric XORA Destination Tag. Where an exchange requires self-custody ownership verification first, withdraw to your personal Xaman or Ledger wallet (keeping the 1 XRP base reserve) and forward to XORA with your Destination Tag.

Fast finality and sober custodial disclosures

Once broadcast on XRPL, transfers settle in roughly 4 seconds. Deposited XRP earns up to 22% variable Tier 1 APY value (0 to 1,000 XRP) and native XRPL RLUSD earns up to 17% APY value where enabled; rates are variable, not guaranteed, and XORA is custodial and not SDIC, FDIC, or SIPC insured.

Independent Reserve and Coinhako to XORA XRP transfer overview

ItemIndependent Reserve (SGD / AUD)Coinhako (SGD)XORA requirement
Supported networkXRP Ledger (native)XRP Ledger (native)XRP Ledger mainnet only
Destination TagDestination Tag numeric fieldTag / Memo numeric fieldMandatory unique numeric tag
Compliance checkMAS PSN02 Travel Rule + 2FAAddress whitelist + Travel RuleDirect or via personal XRPL wallet
Recommended first send10 XRP test transfer10 XRP test transferVerify credit before full size
Complete MAS Travel Rule fields and attach your numeric tag

MAS-regulated Singapore platforms require recipient screening on outbound crypto transfers and strict Destination Tag routing for custodial XRPL accounts. If direct platform routing is restricted for your account tier, route via your verified self-custody XRPL wallet (Xaman or Ledger) first, then send to XORA with your numeric tag.

Checklist

  1. Open /app#deposit-xrp in XORA and copy the XRPL deposit address and your unique numeric Destination Tag.
  2. Sign in to Independent Reserve or Coinhako and open your XRP withdrawal screen.
  3. Select native XRP Ledger as the transfer network.
  4. Paste XORA's XRPL address and enter your numeric Destination Tag (or withdraw to your verified Xaman/Ledger wallet first if your account requires self-custody routing).
  5. Complete the MAS Travel Rule prompt and 2FA approval for a 10 XRP test transfer.
  6. Confirm the 10 XRP credit inside XORA (~4 seconds after XRPL broadcast) before sending larger SGD-funded balances.

Frequently Asked Questions

Can I withdraw XRP from Independent Reserve or Coinhako to XORA?

Yes. Complete the MAS Travel Rule beneficiary prompt and include both XORA's XRPL address and your numeric Destination Tag, or route via your personal Xaman or Ledger XRPL wallet if whitelist policy requires it.

Why must I include the numeric Destination Tag on XORA deposits?

XORA uses a shared XRPL treasury address where your unique numeric Destination Tag identifies and credits your individual account automatically.

Does XORA also support native XRPL RLUSD for Singapore holders?

Where enabled in-app, XORA supports native XRPL RLUSD (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) with your numeric Destination Tag up to 17% variable APY value.

Are XORA deposits covered by Singapore SDIC deposit insurance?

No. XORA is a custodial crypto neobank, not a Singapore bank, and balances are not insured by SDIC, FDIC, or SIPC. Rates are variable and not guaranteed.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, and test with 10 XRP from Independent Reserve or Coinhako first. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not SDIC, FDIC, or SIPC insured.

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