Updated 2026-10-31 · 5 min read · Guide

How to Deposit XRP from PDAX and Maya Crypto to XORA (2026)

By XORA · Published · Updated

Withdraw XRP from PDAX and Maya Crypto in the Philippines to XORA: fund in PHP via InstaPay or PESONet, attach your numeric tag, and test 10 XRP.

Short answer

PDAX (Philippine Digital Asset Exchange, operated by Fyntegrity, Inc.) and Maya Crypto (operated by Maya Philippines, Inc.) hold Virtual Asset Service Provider licenses from the Bangko Sentral ng Pilipinas (BSP) and connect instant PHP InstaPay and PESONet rails to native XRP liquidity. Withdraw XRP on the XRP Ledger to XORA's address and your unique numeric Destination Tag, starting with a 10 XRP test transfer.

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

PHP InstaPay and PESONet funding on PDAX and Maya Crypto

Filipino XRP holders cash in PHP via InstaPay (instant 24/7 up to PHP 50,000 per transfer from BDO, BPI, UnionBank, Metrobank, or GCash) or PESONet for larger amounts, buy XRP on PDAX's XRP/PHP order book or inside Maya Crypto, and open the XRP external withdrawal screen. Sign in to XORA at /app#deposit-xrp to copy XORA's XRPL address and your unique numeric Destination Tag.

BSP Circular 1108 Travel Rule prompts and native XRPL routing

Paste XORA's XRPL r-address and your numeric Destination Tag into the Tag field and confirm the network is native XRP Ledger (XRPL). Under BSP Circular 1108 Travel Rule checks, identify XORA truthfully as an external custodial virtual asset platform rather than a private self-hosted wallet, or withdraw to your own Ledger or Xaman XRPL wallet first (keeping 1 XRP for the XRPL base reserve) and forward native XRP to XORA with your numeric Destination Tag.

10 XRP test transfer, BIR recordkeeping, and risk disclosures

Approve a 10 XRP test transfer via biometric / OTP verification (~4 seconds XRPL finality once broadcast, < $0.01 on-ledger fee) and verify credit in XORA before moving full PHP-funded XRP balances. Keep PHP cost-basis and timestamp records for BIR tax reporting. XORA quotes up to 22% variable XRP Tier 1 APY value (0 to 1,000 XRP) and up to 17% on native XRPL RLUSD where enabled; rates are variable, not guaranteed, and XORA is custodial and not PDIC, FDIC, or SIPC insured.

PDAX and Maya Crypto to XORA XRP transfer overview

ItemPDAX (Philippines PHP)Maya Crypto (Philippines PHP)XORA requirement
Required networkXRP Ledger (XRPL) nativeXRP Ledger (XRPL) nativeXRP Ledger mainnet only
BSP Travel RuleExternal VASP declarationBeneficiary wallet declarationTruthful custodial declaration or personal XRPL hop
Destination TagNumeric Destination Tag fieldNumeric Tag / Memo fieldMandatory unique numeric tag
Recommended first send10 XRP test transfer10 XRP test transferConfirm credit before scaling
Select XRP Ledger (XRPL) and attach your numeric Destination Tag

Both PDAX and Maya Crypto require a destination tag for external XRP transfers. Always send native XRP on the XRP Ledger to rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o with your numeric Destination Tag so XORA credits your account automatically.

Checklist

  1. Open /app#deposit-xrp in XORA and copy XORA's XRPL deposit address and your unique numeric Destination Tag.
  2. Sign in to PDAX or Maya Crypto and select Withdraw / Send for XRP.
  3. Confirm the network is native XRP Ledger (XRPL) and paste XORA's XRPL address plus your numeric Destination Tag.
  4. Complete BSP Circular 1108 Travel Rule prompts truthfully as an external custodial service (or route via your personal Ledger or Xaman XRPL wallet).
  5. Approve a 10 XRP test transfer with SMS OTP / authenticator / biometrics.
  6. Verify the 10 XRP credit inside XORA (~4 seconds after broadcast) before sending the rest of your XRP balance.

Frequently Asked Questions

Can I withdraw XRP directly from PDAX or Maya Crypto to XORA?

Yes. Both BSP-licensed platforms support native XRP Ledger withdrawals with an address and numeric Destination Tag; complete Travel Rule prompts truthfully or hop through your personal Ledger or Xaman XRPL wallet if recipient lists restrict external VASPs.

Can I send PHP directly via InstaPay or GCash to XORA?

No. XORA operates on public crypto rails and does not accept direct PHP bank or e-wallet transfers; fund PDAX, Maya Crypto, or Coins.ph in PHP first, acquire native XRP, and withdraw over XRPL.

What happens if I omit the numeric Destination Tag?

Your XRP arrives in XORA's shared XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) without automatic account attribution and requires manual support verification with your XRPL transaction hash.

Are XORA balances insured by the Philippine Deposit Insurance Corporation (PDIC)?

No. XORA is a custodial crypto neobank, not a Philippine bank, and balances are not insured by PDIC, FDIC, or SIPC. 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 PDIC, FDIC, or SIPC insured.

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