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

How to Deposit XRP from Ledger and Xaman to XORA

By XORA · Published · Updated

Send XRP or RLUSD from Ledger Live or Xaman to XORA: XRPL reserve requirements, destination tag entry, 10 XRP test transfer, and custody disclosures.

Short answer

Holders of Ledger hardware wallets (Ledger Live with Nano S Plus, Nano X, Stax, or Flex) and Xaman (formerly Xumm) can deposit native XRP or XRPL RLUSD into XORA by sending to XORA's shared XRPL address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o with their mandatory numeric Destination Tag. Always maintain the on-chain 1 XRP base reserve plus 0.2 XRP per trustline in your sending wallet, and send a 10 XRP test transfer first. Depositing moves funds from self-custody keys to pooled institutional custody with variable yield. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC or SIPC insured.

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Self-custody to custodial yield: understanding the shift

Ledger hardware devices and the Xaman mobile wallet (formerly Xumm) provide sovereign self-custody where you retain exclusive control of your private keys. However, the XRP Ledger uses Federated Byzantine consensus rather than Proof of Stake, meaning idle XRP and RLUSD in self-custody earn 0% native protocol yield. Depositing into XORA transfers your assets to XORA's institutional XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) with internal account attribution via your unique Destination Tag. This shift allows you to earn variable bootstrap yield (up to 22% APY value on XRP, combining 15% native XRP yield with estimated XORA reward value, or 17% on XRPL RLUSD where enabled), but you exchange sovereign cold storage for platform counterparty risk, daily reconciliations, and internal withdrawal controls before broadcast.

XRPL reserve mechanics: 1 XRP base reserve and 0.2 XRP owner reserve

The XRP Ledger enforces protocol-level reserve requirements to limit ledger state bloat. Every active self-custody account must lock a base reserve of 1 XRP, plus an owner reserve of 0.2 XRP for each owned ledger object, such as an active trustline for Ripple USD (RLUSD) or an open offer. Because of this network rule, Ledger Live and Xaman will not permit you to send your entire account balance down to zero drops. For example, an account holding 1,000 XRP with one RLUSD trustline has an unspendable reserve of 1.2 XRP. Senders should leave at least 1.5 to 2 XRP in their self-custody account to comfortably cover reserves and standard network transaction fees (< $0.01 per payment, burned in drops).

Entering XORA's shared address and mandatory Destination Tag

XORA manages XRP and RLUSD through a pooled institutional treasury wallet: rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o. Because multiple depositors share this single on-chain address, your unique 32-bit numeric Destination Tag serves as the critical internal routing number. In Ledger Live (desktop or mobile), paste the XORA address, toggle the 'Tag' switch to enabled, and enter your numeric Destination Tag from /app#deposit-xrp. In Xaman, enter the address and input your tag in the dedicated Destination Tag field. Never enter the tag into a free-text memo or personal note field. Sending XRP or RLUSD without a Destination Tag delivers funds to the treasury but prevents automated crediting, requiring manual reconciliation with your validated transaction hash.

Sending native XRP vs XRPL RLUSD from self-custody

XORA supports both native XRP and official Ripple USD (RLUSD) on the XRP Ledger. For native XRP, copy your credentials from /app#deposit-xrp. For RLUSD, open /app#deposit-rlusd and ensure you are sending native XRPL RLUSD issued by rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De (currency hex 524C555344000000000000000000000000000000), never Ethereum ERC-20 tokens. Both assets route through rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o paired with your unique Destination Tag. Where enabled, XORA quotes a 17% headline variable rate on RLUSD (13% native RLUSD plus 4% estimated XORA rewards). Check live capability flags at /api/agent/facts before initiating an RLUSD transfer.

The 10 XRP test transfer protocol

High-balance allocators should always follow strict operational discipline. Before sending a substantial balance from cold storage, execute a 10 XRP test transaction. Verify the recipient address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag on the physical screen of your Ledger device or inside the Xaman signing prompt before approving. On-chain XRPL finality typically takes 3-5s (3 to 5 seconds). Once the test transaction displays tesSUCCESS on an explorer (such as xrpscan.com) and reflects in your XORA dashboard, proceed with depositing your intended allocation.

Withdrawal controls and returning funds to self-custody

XORA does not impose fixed lock-up terms or calendar redemption windows on deposited assets. You retain the ability to request withdrawals back to your Ledger or Xaman wallet at any time. When withdrawing to a self-custody address, you control the destination account, so no destination tag is required on outbound transfers back to your personal wallet. Outbound withdrawals undergo automated account, treasury, daily reconciliation, and security risk controls before broadcast to the network. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC or SIPC insured.

Self-custody wallets vs XORA custodial deposit specifications

Feature / ParameterLedger Live (Hardware)Xaman (Self-Custody App)XORA Custodial Account
Key storage & controlHardware Secure Element (Nano S/X, Stax, Flex)Encrypted mobile device key storage (iOS/Android)Institutional shared XRPL treasury address
Native protocol yield0% (XRPL has no native PoS staking)0% (XRPL has no native PoS staking)Up to 22% APY value (XRP) / 17% (RLUSD) where enabled
Reserve requirements1 XRP base + 0.2 XRP per trustline locked1 XRP base + 0.2 XRP per trustline locked0 XRP reserve deducted from user balance
Destination Tag entryToggle Tag switch on send screenEnter digits in Destination Tag fieldMandatory numeric tag routes to internal account balance
Test protocolSign 10 XRP test on physical screenSlide to sign 10 XRP test in appVerify credit in dashboard after 3-5s finality
Custody risk & insuranceSovereign keys, 0% platform insolvency riskSovereign keys, 0% platform insolvency riskCustodial counterparty risk; not FDIC or SIPC insured
Self-custody shift and mandatory Destination Tag

Transferring assets from Ledger or Xaman moves funds from your self-custody private keys into XORA's pooled institutional custody. Always include your numeric Destination Tag and send a 10 XRP test first. Account reserve rules require keeping 1 XRP plus 0.2 XRP per trustline in your sending wallet. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC or SIPC insured.

Checklist

  1. Sign in to XORA at Deposit XRP (or Deposit RLUSD for Ripple USD) and copy XORA's shared XRPL address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your unique numeric Destination Tag.
  2. In Ledger Live or Xaman, verify your spendable balance accounting for the XRPL 1 XRP base reserve and 0.2 XRP owner reserve per trustline.
  3. Initiate a transaction to rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and enter your numeric Destination Tag (toggle Tag in Ledger Live, or fill the Destination Tag field in Xaman).
  4. Send a 10 XRP test transfer first, verify 3-5s XRPL ledger settlement, and check that the credit appears in your XORA dashboard.
  5. After confirming the test credit, deposit your desired balance and monitor daily yield accrual at XRP Yield Calculator or explore Deposit BTC for multi-rail allocations.

Frequently Asked Questions

Do I need a destination tag when sending from Ledger or Xaman to XORA?

Yes. XORA uses a pooled institutional treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o). The numeric Destination Tag tells XORA which internal user account to credit. Without it, funds arrive at the treasury but cannot be automatically attributed.

Why can I not send my entire XRP balance out of Ledger or Xaman?

The XRP Ledger enforces an on-chain reserve rule: 1 XRP base reserve per account, plus 0.2 XRP owner reserve for each trustline or ledger object. These reserve drops are locked by the network to prevent ledger spam and cannot be transferred without deleting the account.

Can I deposit XRPL RLUSD from my Ledger or Xaman wallet?

Yes. If you hold native XRPL RLUSD (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), you can send it to XORA's XRPL address with your numeric Destination Tag. Never send Ethereum ERC-20 RLUSD to an XRPL address.

How does custody change when moving from a cold wallet to XORA?

Moving funds to XORA shifts your assets from self-custody private keys (where you have sovereign control and 0% yield) to pooled institutional custody (where you receive variable bootstrap yield up to 22% APY value on XRP). XORA is custodial, not a bank, and not FDIC or SIPC insured.

How long does an XRPL transfer from Ledger or Xaman take?

XRP Ledger transactions typically achieve finality in 3 to 5 seconds with network fees of less than $0.01 (burned in drops). Once validated on-chain, XORA credits your account automatically.

Are there lock-up periods or withdrawal restrictions?

XORA has no fixed lock-up terms. You can request a withdrawal at any time. Outbound withdrawals undergo automated account, treasury, daily reconciliation, and security risk controls before broadcast to the XRP Ledger.

Sources

Next

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

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