Updated 2026-10-31 · 7 min read · Guide

Deposit XRP from Luno and VALR to XORA (2026)

By XORA · Published · Updated

How to send XRP from Luno or VALR (South Africa/UK) to XORA: Travel Rule check, mandatory Destination Tag, 10 XRP test send, and up to 22% APY value.

Short answer

Open XORA at /app#deposit-xrp, copy BOTH XORA's shared XRP Ledger treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) AND your unique numeric Destination Tag, and paste both into Luno or VALR on the native XRP Ledger network. Luno (operating across South Africa, the UK, Malaysia, and Nigeria) and VALR (South Africa's largest ZAR crypto order book with PayShap and EFT funding) are primary gateways for retail XRP holders. Because FSCA and FCA Travel Rule rules require recipient information on external crypto sends, ensure crypto send permissions are enabled on your account, complete recipient prompts accurately (or hop via a personal self-custody XRPL wallet), and include your exact numeric Destination Tag. Always start with a 10 XRP test transfer (~4-second XRPL settlement after broadcast, $0 XORA deposit fee). Eligible Tier 1 XRP balances from 0 to 1,000 XRP earn up to 22% variable APY value (15% native XRP yield plus 7% estimated XORA reward value), and native XRPL RLUSD quotes up to 17% variable APY value where enabled. Model returns in /xrp-yield-calculator and check solvency architecture at /security. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC, SIPC, FSCS, or CODI insured.

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Why Luno and VALR XRP holders move idle balances to XORA

XRP has long ranked among the top-traded digital assets on both Luno and VALR across ZAR and GBP markets. However, local regulatory constraints removed or capped XRP savings accounts on domestic platforms, leaving spot XRP earning 0%. On XORA, eligible Tier 1 XRP balances (0 to 1,000 XRP) earn up to 22% variable APY value (15% native XRP yield plus 7% estimated XORA reward value) with daily compounding and zero fixed lock-up.

Luno Crypto Send activation and UK / South Africa Travel Rule prompts

Before withdrawing XRP from Luno, verify that 'Send crypto' is enabled inside your Luno Security settings; enabling it for the first time triggers a mandatory 24-hour anti-fraud waiting period. When initiating an XRP send on Luno or VALR, FSCA (South Africa) and FCA (UK) Travel Rule forms ask whether the destination is a self-custody wallet or an exchange/VASP. Complete the prompt accurately, or withdraw first to your verified personal XRPL wallet (keeping the 1 XRP reserve) and send on-chain to XORA.

Entering XORA's XRPL address and mandatory numeric Destination Tag

Select XRP on the native XRP Ledger network inside Luno or VALR. Paste XORA's shared treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and enter your personal numeric Destination Tag from /app#deposit-xrp into the Destination Tag / Reference field. Never leave the Destination Tag empty when sending to XORA, as numeric tags route deposits to individual accounts.

Sending a 10 XRP test transfer with 4-second XRPL finality

Approve your 10 XRP test withdrawal via Luno's in-app push authorization or VALR's 2FA + email confirmation link. Once broadcast to the XRP Ledger, consensus settlement finishes in approximately 4 seconds (3 to 5 seconds) with a $0 incoming deposit fee on XORA. Verify the 10 XRP credit inside XORA before transferring larger ZAR- or GBP-funded XRP positions.

Custodial disclosures, finite bootstrap subsidy, and recovery workflow

XORA is an international custodial XRP neobank, not a South African bank or UK FCA-authorized bank, and balances are not protected by CODI, FSCS, FDIC, or SIPC deposit insurance. Native XRP yield is supported during protocol bootstrap by a finite treasury subsidy that steps down as deposits scale. If an untagged XRP transfer is sent by mistake, copy the 64-character XRPL transaction hash from Luno or VALR and email hello@xora.finance for manual recovery.

Luno and VALR vs XORA XRP deposit parameters

ParameterLuno / VALRXORA Custodial AccountOperational Rule
Spot XRP yield0% spot XRP returnUp to 22% APY value on 0 to 1,000 XRP15% native XRP + 7% est. XORA reward value
Account security gateLuno 24h Crypto Send activation holdInstant XRPL address + tag generationEnable Luno Send 24h ahead if new
Travel Rule promptFSCA / FCA beneficiary formCredits any tagged XRPL mainnet txHop via personal XRPL wallet if needed
Destination TagDedicated XRP Destination Tag inputMandatory unique numeric Destination TagPaste exact digits from /app#deposit-xrp
Settlement & feeLow dynamic/flat XRP fee; ~4s XRPL$0 XORA deposit fee; auto-creditingSend a 10 XRP test transfer first
Enable Luno Crypto Send, check Travel Rule prompts, and include your Tag

Luno enforces a 24-hour security cooldown when enabling external Crypto Send for the first time, and both Luno and VALR collect Travel Rule recipient details under FSCA/FCA rules. Always paste rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o AND your exact numeric Destination Tag from /app#deposit-xrp.

Checklist

  1. Open Deposit XRP in XORA and copy both XORA's XRPL address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag.
  2. Ensure external crypto sends are enabled in Luno or VALR, open XRP Send/Withdraw on the native XRP Ledger network, and complete any Travel Rule prompts.
  3. Paste rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o into the XRP address field and paste your exact numeric Destination Tag.
  4. Submit a 10 XRP test transfer first and approve Luno push confirmation or VALR 2FA + email confirmation.
  5. Confirm the 10 XRP deposit arrives in XORA (~4 seconds after XRPL broadcast) before transferring larger holdings.

Frequently Asked Questions

Do Luno and VALR require a Destination Tag when sending XRP to XORA?

Yes. XORA receives XRP in a shared treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and credits individual balances using each customer's unique numeric Destination Tag. Always enter your exact numeric tag.

Why won't Luno let me send XRP immediately after enabling Crypto Send?

Luno applies a mandatory 24-hour security cooldown the first time external crypto sending is enabled on an account to protect users from account takeover. Once active, approved XRP sends settle on XRPL in roughly 4 seconds.

What if Luno or VALR restricts direct Travel Rule routing in my region?

If your regional Travel Rule dropdown does not list an overseas custodial platform, withdraw XRP first to your verified personal self-custody XRPL wallet (such as Xaman or Ledger, keeping the 1 XRP reserve) and then send on-chain to XORA with your numeric Destination Tag.

Which network does VALR use for XRP withdrawals?

VALR processes native XRP withdrawals on the XRP Ledger (XRPL). Always confirm you are sending native XRP to XORA's r-address with your numeric Destination Tag.

What if I forgot the Destination Tag when sending XRP from Luno or VALR?

Open your Luno or VALR XRP transaction receipt, copy the 64-character XRPL transaction hash (txid), and email hello@xora.finance with the txid and exact XRP amount for manual recovery.

Sources

Next

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

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