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

Deposit XRP and RLUSD from SafePal and CoolWallet to XORA (2026)

By XORA · Published · Updated

Send native XRP and XRPL RLUSD from SafePal S1/X1 and CoolWallet Pro/S hardware wallets to XORA with your numeric Destination Tag.

Short answer

To deposit native XRP or XRPL RLUSD from SafePal (SafePal S1, S1 Pro, X1, or SafePal App) or CoolWallet (CoolWallet Pro or CoolWallet S) into XORA, select the native XRP Ledger (XRPL) asset (never BEP-20 Binance-Peg XRP), paste XORA's shared XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), enter your unique numeric Destination Tag from /app#deposit-xrp, and verify both fields on-device before signing a 10 XRP test transfer.

Open Xora Calculate XRP yield Reserve @handle Creator Bounties

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

Selecting native XRP Ledger instead of BEP-20 in SafePal

SafePal displays multiple chain variants for XRP inside its multi-chain coin selector, including native XRP (XRPL) and BNB Smart Chain BEP-20 wrapped XRP. Always open the native XRP coin whose receive address begins with r... (XRP Ledger mainnet), never a 0x... BEP-20 or ERC-20 address. Sending wrapped EVM tokens to an XRPL address or vice versa causes loss of funds.

Signing XRP and XRPL RLUSD on SafePal S1/X1 and CoolWallet Pro/S

On SafePal S1 or S1 Pro, scan the unsigned XRPL Payment QR code from the SafePal App, verify rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag on the hardware screen, and scan the signed QR back to broadcast; on SafePal X1 or CoolWallet Pro/S, verify the recipient r-address and Destination Tag over encrypted Bluetooth and press the physical confirmation button on the card or device. Official XRPL RLUSD (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) uses the same XORA r-address and numeric Destination Tag via /app#deposit-rlusd.

XRPL 1 XRP base and 0.2 XRP object reserve check

Both SafePal and CoolWallet respect the XRP Ledger's mandatory 1 XRP base reserve plus 0.2 XRP per owned ledger object (such as an RLUSD trust line). Keep at least that reserve plus ~0.000012 XRP network fee inside your hardware wallet.

Hardware cold storage vs custodial yield disclosures

Hardware wallets hold private keys offline at 0% native XRP protocol yield. Depositing into XORA moves assets into a custodial neobank treasury to target variable daily yield (up to 22% XRP Tier 1 APY value on 0 to 1,000 XRP: 15% native XRP + 7% est. XORA reward value, and up to 17% on native XRPL RLUSD where enabled), partially funded by a finite bootstrap subsidy. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

SafePal and CoolWallet to XORA XRPL transfer summary

CheckSafePal S1 / S1 Pro / X1CoolWallet Pro / SXORA deposit rule
Chain selectionXRP (XRP Ledger r... only, never BEP20)Native XRP (XRPL mainnet)XRPL Mainnet only
Signing transportAir-gapped QR (S1) or Bluetooth (X1)Encrypted Bluetooth + physical card buttonStandard XRPL Payment
Destination TagMandatory Tag / Memo integer inputMandatory Tag / Memo integer inputUnique numeric tag required
Wallet reserve1 XRP base + 0.2 XRP per trust line1 XRP base + 0.2 XRP per trust lineSend 10 XRP test transfer first
⚠ 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 (or /app#deposit-rlusd for XRPL RLUSD) in XORA and copy XORA's XRPL r-address plus your unique numeric Destination Tag.
  2. Open your native XRP (XRP Ledger r... address) asset in the SafePal App or CoolWallet App, confirming it is not BEP-20 or ERC-20.
  3. Paste XORA's r-address and enter your exact numeric Destination Tag into the Tag / Memo field.
  4. Enter a 10 XRP test amount while leaving at least 1 XRP (+ 0.2 XRP per trust line) in your hardware wallet.
  5. Confirm rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag on the SafePal screen or CoolWallet e-ink display and sign.
  6. Verify XORA credits the 10 XRP test transfer (~4s after broadcast) before sending the rest of your allocation.

Frequently Asked Questions

How do I avoid sending BEP-20 XRP by mistake in SafePal?

Check the address prefix in SafePal before sending: native XRP Ledger accounts always start with a lowercase r, whereas BNB Smart Chain BEP-20 and Ethereum ERC-20 wallets start with 0x. Only send native XRPL XRP to XORA.

Does CoolWallet Pro display the XRP Destination Tag before signing?

Yes. Enter XORA's numeric Destination Tag in the CoolWallet App's Tag field and review the transaction details in the app and on the CoolWallet e-ink card display before pressing the physical button.

Can SafePal or CoolWallet stake XRP natively?

No. Because the XRP Ledger uses consensus rather than Proof-of-Stake, neither SafePal nor CoolWallet offers native protocol XRP staking; any XRP yield route involves external DeFi pools or custodial accounts with their respective risks.

Are XORA balances sent from SafePal or CoolWallet insured?

No. XORA is a custodial crypto neobank, not a bank, and balances are not covered by FDIC or SIPC insurance. Published rates are variable and not guaranteed.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL address and your numeric Destination Tag, and verify both on your SafePal or CoolWallet hardware screen with a 10 XRP test send first. Rates are variable and not guaranteed.

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