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

Deposit XRP from OneKey and Arculus to XORA (2026)

By XORA · Published · Updated

Send native XRP on XRPL from OneKey hardware wallet or Arculus NFC metal card to XORA with numeric Destination Tag verification and a 10 XRP test send.

Short answer

To deposit native XRP from a OneKey hardware wallet (OneKey Pro or Classic 1S) or an Arculus Cold Storage metal NFC card into XORA, open /app#deposit-xrp, copy XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your unique numeric Destination Tag, verify both fields before hardware confirmation or 3-factor NFC tap, and confirm a 10 XRP test send (~4 seconds finality).

Open Xora Calculate XRP yield Reserve @handle Creator Bounties

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

OneKey open-source hardware and Arculus 3-factor NFC card signing

OneKey pairs open-source Classic 1S or air-gapped QR/Bluetooth OneKey Pro devices with the OneKey Desktop and Mobile app across native XRP, BTC, XLM, and TRX. Arculus (manufactured by CompoSecure) stores private keys inside a CC EAL6+ Secure Element metal card using 3-factor authentication (biometric unlock + 6-digit PIN + physical NFC tap to the back of your phone) with native XRP Ledger and Stellar support.

Entering your numeric Destination Tag in OneKey App and Arculus Wallet

Both OneKey App and the Arculus Wallet app expose a dedicated Destination Tag (or Memo/Tag) field when sending native XRP on the XRP Ledger. Paste XORA's r-address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and enter your exact numeric XORA Destination Tag from /app#deposit-xrp; never leave the Tag field empty when sending to XORA's shared custodial treasury.

XRPL 1 XRP base reserve and native XRPL RLUSD support

Self-custody XRPL accounts managed by OneKey or Arculus must retain at least 1 XRP (+ 0.2 XRP per trust line, such as an XRPL RLUSD trust line to issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) to satisfy the XRP Ledger's protocol reserve. Subtract 1 XRP (plus ~0.00001 XRP network fee) from your total balance if transferring nearly your full wallet.

0% cold-storage yield vs XORA custodial barbell allocation

Holding XRP on a OneKey device or Arculus metal card keeps keys offline with 0% native protocol yield. Depositing a chosen tranche into XORA introduces custodial counterparty risk in exchange for variable daily yield (currently up to 22% XRP Tier 1 APY value on 0 to 1,000 XRP: 15% native XRP + 7% est. XORA reward value, plus up to 17% on XRPL RLUSD where enabled). Rates are variable, partially bootstrap-subsidized, and not guaranteed; XORA is not a bank and is not FDIC or SIPC insured.

OneKey and Arculus to XORA XRPL transfer checklist

ItemOneKey (Classic 1S / Pro)Arculus Metal NFC CardXORA XRPL rail
Approval factorOn-device screen + button/touchBiometric + 6-digit PIN + NFC card tapNative XRP Ledger Payment tx
Destination TagMandatory Tag field + check screenMandatory Tag field before NFC tapUnique numeric tag required
Protocol reserveKeep 1 XRP (+ 0.2 XRP/trust line)Keep 1 XRP (+ 0.2 XRP/trust line)$0 XORA deposit fee
Recommended test10 XRP test transfer (~4s)10 XRP test transfer (~4s)Confirm credit before scaling
⚠ 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 XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) plus your unique numeric Destination Tag.
  2. Open the OneKey App or Arculus Wallet app and select native XRP on XRP Ledger Mainnet (never a wrapped BSC or ERC-20 token).
  3. Paste XORA's XRPL r-address and enter your exact numeric Destination Tag in the Tag field.
  4. Enter a 10 XRP test amount while leaving at least 1 XRP (+ 0.2 XRP per trust line) in your OneKey or Arculus XRPL wallet.
  5. Verify the recipient r-address and numeric Destination Tag on your OneKey hardware screen or Arculus review screen, then confirm on-device or hold your Arculus metal card against your phone's NFC antenna.
  6. Verify the 10 XRP test deposit credits in XORA (~4 seconds), then send your remaining XRP tranche with the identical address and tag.

Frequently Asked Questions

Does Arculus support native XRP Destination Tags?

Yes. The Arculus Wallet app includes a Destination Tag field on the XRP Send screen; enter your numeric XORA Destination Tag from /app#deposit-xrp before entering your 6-digit PIN and tapping your Arculus card.

Why can't I send my final 1 XRP out of OneKey or Arculus?

The XRP Ledger enforces a protocol-level 1 XRP base reserve on every funded self-custody XRPL address (plus 0.2 XRP per active trust line or offer), which stays locked on the ledger unless you execute an XRPL AccountDelete transaction.

Can I also send BTC, XLM, or TRX from OneKey to XORA?

Yes. OneKey supports all five live XORA rails: native XRP and XRPL RLUSD (with numeric Destination Tag), native BTC on Bitcoin mainnet (/app#deposit-btc, no memo), native Stellar XLM (/app#deposit-xlm, Stellar Memo required), and native TRX on TRON mainnet (/app#deposit-trx, no memo).

Is XORA as safe as keeping XRP on OneKey or Arculus cold storage?

No. Hardware and NFC cold wallets keep private keys in your physical possession with 0% native XRP protocol yield, whereas XORA is a custodial neobank carrying counterparty risk, variable non-guaranteed rates, and no FDIC or SIPC insurance.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, verify both before OneKey or Arculus NFC signing, and confirm a 10 XRP test send first. Rates are variable and not guaranteed.

Open Xora

Other exchange deposit guides

Related guides

Compare XORA

Learn more