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

How to Deposit XRP from SwissBorg and Bitcoin Suisse to XORA (2026)

By XORA · Published · Updated

Transfer XRP from SwissBorg and Bitcoin Suisse in Switzerland to XORA: satisfy FINMA Travel Rule routing, attach your numeric tag, and test 10 XRP.

Short answer

SwissBorg and Bitcoin Suisse serve CHF SIC and EUR SEPA wealth rails for Swiss XRP holders. Because FINMA AMLA rules require strict wallet ownership proof or Travel Rule screening on external crypto payouts, holders either complete the recipient prompt directly or route via a verified personal Ledger or Xaman XRPL wallet before depositing to XORA with their numeric Destination Tag.

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

CHF SIC and EUR SEPA rails to native XRPL

Swiss XRP investors using SwissBorg or Bitcoin Suisse can convert CHF or EUR into native XRP and withdraw over the XRP Ledger. Copy XORA's XRPL treasury address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your unique numeric Destination Tag from /app#deposit-xrp.

FINMA Travel Rule and verified XRPL wallet hop

On SwissBorg, complete the recipient Travel Rule prompt and paste both XORA's r-address and your numeric Destination Tag (keeping No Tag off). On Bitcoin Suisse, if your account policy restricts payouts to pre-verified self-custody addresses, withdraw XRP to your whitelisted Ledger or Xaman wallet first and forward native XRP to XORA with your numeric Destination Tag.

10 XRP test transfer and transparent custodial terms

Verify your route with a 10 XRP test transfer (~4 seconds XRPL finality, < $0.01 network fee) before moving larger CHF-allocated positions. XORA offers 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 esisuisse, FDIC, or SIPC insured.

SwissBorg and Bitcoin Suisse to XORA XRP routing overview

ItemSwissBorg (CHF / EUR)Bitcoin Suisse (CHF / EUR)XORA requirement
Supported networkXRP Ledger (native)XRP Ledger (native)XRP Ledger mainnet only
Compliance pathTravel Rule prompt + Tag fieldFINMA whitelisted wallet hopSend to XORA r-address + numeric tag
Destination TagMandatory when sending to XORAMandatory on leg to XORAUnique numeric Destination Tag
Recommended first send10 XRP test transfer10 XRP test transferVerify credit before full size
Respect FINMA whitelist rules and include your numeric Destination Tag

Bitcoin Suisse and SwissBorg enforce strict FINMA Travel Rule verification on external addresses. Where direct third-party custodial payouts require self-custody proof first, withdraw XRP to your whitelisted Ledger or Xaman XRPL wallet (retaining its 1 XRP reserve) and then send native XRP to XORA with your numeric Destination Tag.

Checklist

  1. Open /app#deposit-xrp in XORA and copy the XRPL deposit address and your unique numeric Destination Tag.
  2. In SwissBorg or Bitcoin Suisse, initiate an XRP payout on the native XRP Ledger (or select your whitelisted Ledger/Xaman XRPL wallet first if required by FINMA address-ownership rules).
  3. When sending to XORA (directly or from Ledger/Xaman), paste XORA's XRPL address and enter your exact numeric Destination Tag.
  4. Broadcast a 10 XRP test transfer first and confirm automatic credit in XORA (~4 seconds).
  5. Once the 10 XRP test transfer is credited, send your remaining XRP balance using the same XRPL address and numeric Destination Tag.

Frequently Asked Questions

Can I send XRP from SwissBorg or Bitcoin Suisse to XORA?

Yes. SwissBorg supports native XRP Ledger sends with Destination Tags and Travel Rule details; Bitcoin Suisse clients whose accounts require FINMA self-custody proof can withdraw to Ledger or Xaman first and forward to XORA with their numeric tag.

Why must I keep 1 XRP in a personal Ledger or Xaman intermediate wallet?

The XRP Ledger protocol locks a 1 XRP base reserve on every active self-custody address so the account remains active on-chain.

Does XORA also accept native XRPL RLUSD from self-custody wallets?

Yes, where enabled in-app, XORA credits native XRPL RLUSD (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) sent with your numeric Destination Tag up to 17% variable APY value.

Are XORA deposits protected by Swiss esisuisse deposit insurance?

No. XORA is a custodial crypto neobank, not a FINMA-licensed Swiss bank, and balances are not insured by esisuisse, 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 test with 10 XRP first. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not esisuisse, FDIC, or SIPC insured.

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