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

Deposit XRP from MetaMask XRPL Snap and Joey Wallet to XORA (2026)

By XORA · Published · Updated

Transfer native XRP from MetaMask XRP Ledger Snap or Joey Wallet to XORA (never BNB BEP-20 XRP) with Destination Tag, 1 XRP reserve, and 10 XRP test.

Short answer

To deposit native XRP from MetaMask's official XRP Ledger Snap (wallet.xrpl.org) or Joey Wallet into XORA, open /app#deposit-xrp and copy both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag. Confirm you are sending real XRP Ledger mainnet XRP from an r... account (never Binance-Peg BEP-20 XRP sitting on a 0x... BNB Smart Chain address in MetaMask), keep at least 1 XRP base reserve in your self-custody wallet, and send a 10 XRP test transfer first (~4s finality, ~0.00001 XRP network fee). Where enabled, XORA credits up to 22% variable XRP Tier 1 APY value with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Deposit XRP Calculate XRP yield Reserve @handle Creator Bounties

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

MetaMask XRP Ledger Snap (r...) vs BNB Smart Chain BEP-20 XRP (0x...)

MetaMask natively speaks EVM (0x...), so XRP held on BNB Smart Chain inside standard MetaMask is Binance-Peg BEP-20 XRP, NOT real XRP Ledger XRP. By contrast, the official Ripple-backed MetaMask XRP Ledger Snap (connected via wallet.xrpl.org) derives a true native XRPL r... account from your MetaMask seed. Only send to XORA from the native XRP Ledger Snap (r...); if you hold BEP-20 XRP on 0x..., bridge or redeem it to native XRP Ledger first before depositing to XORA.

Sending native XRP from Joey Wallet with Destination Tag enabled

Joey Wallet is a native self-custody mobile wallet built specifically for the XRP Ledger. When tapping Send -> XRP inside Joey Wallet, paste XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and tap the 'Destination Tag' field to enter your exact 9-digit numeric XORA tag from /app#deposit-xrp. Never paste your Destination Tag into an off-chain label, and make sure you send native XRP rather than XRPL meme/IOU tokens.

Accounting for the 1 XRP base reserve + 0.2 XRP owner reserve

Since December 2024's XRPL reserve reduction, every self-custody XRPL account in MetaMask XRPL Snap or Joey Wallet locks 1 XRP as base reserve plus 0.2 XRP per active trust line, DEX offer, or NFT page. Leave at least 1 XRP (plus 0.2 XRP per trust line and ~0.00001 XRP fee) in your wallet, or delete unused trust lines first to free locked 0.2 XRP increments before transferring your spendable XRP.

10 XRP test transfer (~4s finality) and custodial yield disclosures

Sign a 10 XRP test Payment transaction in MetaMask XRPL Snap or Joey Wallet first, verify tesSUCCESS on xrpscan.com (~4 seconds), and confirm the 10 XRP arrives in your XORA dashboard before sending the remainder with the identical XRPL address and Destination Tag. Where enabled, XORA credits up to 22% variable XRP Tier 1 APY value (0 to 1,000 XRP, 16% base XRP + ~6% estimated XORA reward value) with daily compounding and $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

MetaMask XRPL Snap vs Joey Wallet vs XORA XRPL rail

CheckMetaMask XRPL SnapJoey Wallet (iOS / Android)XORA XRPL rail
Account & chainNative XRPL r... via Snap (never BNB 0x... BEP-20)Native XRPL r... self-custody accountXRP Ledger Mainnet (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o)
Destination TagMandatory numeric Tag in wallet.xrpl.org SendMandatory numeric Destination Tag fieldRequired numeric tag at /app#deposit-xrp
Ledger reserve1 XRP base + 0.2 XRP per trustline/object1 XRP base + 0.2 XRP per trustline/object$0 XORA deposit fee (no extra user reserve)
Fee & finality~0.00001 XRP burn (~4s finality)~0.00001 XRP burn (~4s finality)10 XRP test recommended before full size
⚠ 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 both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your numeric Destination Tag.
  2. In MetaMask (open wallet.xrpl.org with the official XRP Ledger Snap showing your r... address, NOT BNB Chain 0x...) or Joey Wallet, select native XRP -> Send.
  3. Paste XORA's XRPL r... address and enter your exact numeric Destination Tag in the dedicated Tag field.
  4. Ensure your send amount leaves at least 1 XRP base reserve (plus 0.2 XRP per open trust line) in your wallet.
  5. Sign and broadcast a 10 XRP test transaction (~0.00001 XRP network fee) and wait ~4 seconds for XRPL finality.
  6. Confirm the 10 XRP test credit appears in XORA, then transfer your remaining spendable XRP with the identical address and Destination Tag.

Frequently Asked Questions

Why won't MetaMask let me paste XORA's r... address directly into the main EVM Send button?

MetaMask's default Send button targets 0x... EVM networks (like Ethereum or BNB Chain). To manage and send real XRP Ledger XRP from MetaMask, open the official XRP Ledger Snap portal (wallet.xrpl.org), which unlocks native r... XRPL addresses and Destination Tags.

What if my XRP in MetaMask is on BNB Smart Chain (BEP-20)?

Binance-Peg XRP on BNB Smart Chain (0x...) is an EVM wrapper and cannot be sent directly to XORA's native XRPL treasury. Swap or bridge BEP-20 XRP onto native XRP Ledger (r...) first, then send over XRPL with your XORA Destination Tag.

Why can't I send my last 1 XRP out of Joey Wallet or MetaMask XRPL Snap?

The XRP Ledger protocol enforces a 1 XRP base reserve per funded r... account plus 0.2 XRP per owned trust line or DEX object. You can reclaim 0.2 XRP per removed trust line, or execute an XRPL AccountDelete transaction (0.2 XRP burn, only if your destination supports AccountDelete credit; standard Payment leaves 1 XRP).

What happens if I send XRP from Joey Wallet or MetaMask Snap without my Destination Tag?

The XRP settles into XORA's shared XRPL address without automatic account routing. Copy the 64-character XRPL transaction hash from xrpscan.com and contact XORA support to verify and credit the deposit manually.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, send a 10 XRP test transfer from MetaMask XRPL Snap or Joey Wallet over native XRP Ledger first, and confirm credit in XORA. Rates are variable and not guaranteed.

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