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

Deposit XRP from M2, Upbit Thailand, and AltcoinTrader to XORA (2026)

By XORA · Published · Updated

Send XRP from M2 (UAE AED/USD), Upbit Thailand (THB), and AltcoinTrader (South Africa ZAR) to XORA on XRPL with your numeric Destination Tag.

Short answer

To deposit XRP from M2 (UAE ADGM), Upbit Thailand (SEC-licensed THB), or AltcoinTrader (South Africa FSCA ZAR) into XORA, select native XRP on the XRP Ledger (XRPL), paste XORA's shared XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), and enter your unique numeric Destination Tag from /app#deposit-xrp before approving a 10 XRP test send.

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

M2 (Abu Dhabi ADGM), Upbit Thailand, and AltcoinTrader rails

M2 Limited operates under Abu Dhabi Global Market (ADGM) Financial Services Regulatory Authority (FSRA) oversight with AED and USD bank funding. Upbit Thailand operates as a Thai SEC-licensed Digital Asset Exchange with domestic THB bank rails. AltcoinTrader serves South African holders with ZAR EFT and Instant EFT rails as an FSCA-regulated Crypto Asset Service Provider (CASP). All three platforms support native XRP Ledger withdrawals with dedicated numeric Destination Tag fields.

Travel Rule screening and beneficiary accuracy

UAE ADGM FSRA, Thai SEC / AMLO, and South African FIC Act / FSCA rules apply Travel Rule beneficiary prompts to outbound crypto transfers. Because XORA credits user deposits inside a shared institutional XRPL treasury via unique numeric Destination Tags, declare XORA accurately as an external custodial service provider when prompted, or route first to your own self-custody Ledger or Xaman XRPL wallet (keeping 1 XRP for the XRPL base reserve) if your account restricts direct external VASP sends.

Mandatory numeric Destination Tag and test send

Never check No Tag or leave the Tag / Memo input blank on M2, Upbit Thailand, or AltcoinTrader. Paste XORA's XRPL r-address and your exact numeric Destination Tag from /app#deposit-xrp, confirm email OTP + 2FA approval, and verify your 10 XRP test deposit credits (~4 seconds after XRPL broadcast) before moving larger balances.

Variable yield and custody risk disclosures

Credited XRP accrues variable custodial yield (currently up to 22% APY value on Tier 1 0 to 1,000 XRP: 15% native XRP + 7% est. XORA reward value, plus up to 17% on native XRPL RLUSD where enabled), funded in part by a finite protocol treasury bootstrap subsidy. Rates are variable and not guaranteed. XORA is custodial, not a bank, and balances are not insured by CBUAE, Thailand's DPA, South Africa's CODI, FDIC, or SIPC.

M2, Upbit Thailand, and AltcoinTrader XRP transfer summary

PlatformFiat & regulatorNetwork & Tag ruleRecommended first send
M2AED / USD · UAE ADGM FSRAXRP Ledger + numeric Tag10 XRP test transfer
Upbit ThailandTHB bank · Thai SECXRP Ledger + numeric Tag (No Tag OFF)10 XRP test transfer
AltcoinTraderZAR EFT · South Africa FSCA CASPXRP Ledger + numeric Tag + email link10 XRP test transfer
XORA creditCustodial XRPL accountrhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o + unique tag~4s after exchange broadcast
⚠ 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. Verify outbound crypto withdrawal eligibility and any new-address cooldown on M2, Upbit Thailand, or AltcoinTrader.
  2. Open /app#deposit-xrp in XORA and copy both XORA's XRPL deposit address and your unique numeric Destination Tag.
  3. Select native XRP on the XRP Ledger (XRPL) in your exchange withdrawal form, never a wrapped EVM or BSC token.
  4. Paste XORA's r-address and your numeric Destination Tag, keeping any No Tag toggle unchecked.
  5. Complete the local Travel Rule prompt truthfully (or hop through your personal Xaman / Ledger XRPL wallet if direct VASP sends are restricted).
  6. Approve a 10 XRP test send via 2FA and confirmation email, verify XORA credit (~4s after broadcast), then send the remaining balance.

Frequently Asked Questions

Does M2 support XRP Destination Tags for UAE withdrawals?

Yes. M2 supports native XRP Ledger withdrawals with both a recipient XRPL r-address field and a numeric Destination Tag field; copy both values directly from /app#deposit-xrp.

How does Upbit Thailand differ from Upbit Korea when withdrawing XRP?

Upbit Thailand is a separate Thai SEC-licensed entity funded in THB rather than KRW. Verify Thai SEC / AMLO Travel Rule prompts in th.upbit.com and always enter your numeric XORA Destination Tag on native XRP Ledger.

Why did AltcoinTrader pause my XRP withdrawal until email confirmation?

AltcoinTrader requires clicking an outbound email verification link in addition to account 2FA before broadcasting XRP Ledger withdrawals. Confirm both your r-address and numeric Destination Tag inside that email prompt before approving.

Are XORA deposits covered by UAE CBUAE, Thai DPA, or South African CODI deposit insurance?

No. XORA is a custodial crypto neobank, not a bank, and balances are not covered by CBUAE, DPA, CODI, FDIC, or SIPC deposit insurance. Rates are variable and not guaranteed.

Sources

Next

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

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