How to Deposit XRP and RLUSD from Tangem to XORA
Send XRP or XRPL RLUSD from Tangem Wallet (Card or Ring NFC) to XORA with the XRPL address, mandatory numeric Destination Tag, and a 10 XRP test first.
Open XORA at /app#deposit-xrp or /app#deposit-rlusd, copy BOTH XORA's shared XRP Ledger address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) AND your unique numeric Destination Tag, paste both into Tangem Wallet (using the Destination Tag or Memo field on the XRPL send screen), and tap your Tangem Card or Tangem Ring via NFC to sign a 10 XRP or 10 RLUSD test transfer first. XRPL transactions reach finality in 3-5s for less than $0.01 in burned drops. Eligible XRP Tier 1 balances (0 to 1,000 XRP) earn up to 22% variable APY value (15% treasury-subsidised native XRP yield plus 7% estimated XORA reward value), and XRPL RLUSD quotes up to 17% variable APY value (13% native RLUSD yield plus 4% estimated XORA reward value) where enabled in-app. XORA token quantity is separate from APY. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC or SIPC insured.
Why Tangem XRP and RLUSD earn 0% natively vs custodial XORA yield
Tangem Cards and Tangem Rings store your private keys inside an EAL6+ certified secure element chip and sign transactions over smartphone NFC without exposing a seed phrase by default. Because the XRP Ledger relies on Federated Byzantine consensus rather than Proof-of-Stake, holding bare XRP or RLUSD inside Tangem earns 0% native protocol yield, and any third-party site advertising 'Tangem XRP staking' via WalletConnect is a phishing vector. Depositing a portion of your holdings into XORA shifts those funds from sovereign NFC cold storage to XORA's pooled custodial XRPL treasury (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), attributed to your internal account ledger via your unique numeric Destination Tag. On XORA, Tier 1 XRP balances from 0 to 1,000 XRP earn up to 22% variable APY value (15% native XRP yield plus 7% estimated XORA reward value, stepping to 19%, 17%, and 15% on larger balance tiers), while XRPL RLUSD quotes up to 17% variable APY value (13% native RLUSD yield plus 4% estimated XORA reward value where enabled in-app; verify live flags at /api/agent/facts and /api/multiasset/rates).
Copying BOTH the XRPL address and Destination Tag into Tangem
Sign in at /app#deposit-xrp for native XRP or /app#deposit-rlusd for Ripple USD on the XRP Ledger. Copy two separate values: XORA's shared XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your account-specific 9-digit numeric Destination Tag. Inside the Tangem mobile app, tap XRP (or XRP Ledger RLUSD), select Send, and paste rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o into the Recipient Address field. Tangem displays a dedicated Destination Tag (or Memo) input field whenever an XRPL custodial address is entered: paste your exact numeric Destination Tag digits into that field with no spaces, letters, or labels. Double-check the first 6 and last 6 characters of the XRPL address and every digit of your Destination Tag before tapping Send.
Sending native XRP vs XRPL RLUSD and accounting for XRPL reserves
Tangem supports multi-chain token portfolios, including RLUSD on both XRP Ledger and Ethereum. XORA's XRPL deposit rail accepts native XRP and XRP Ledger RLUSD issued by official Ripple issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De (160-bit currency hex 524C555344000000000000000000000000000000). Never send Ethereum ERC-20 RLUSD to XORA's XRPL r... address. Also remember that the XRP Ledger enforces a protocol reserve on self-custody wallets: 1 XRP base reserve per funded account plus 0.2 XRP owner reserve for each active trustline (such as an RLUSD trustline). Leave at least 1.5 to 2 XRP in your Tangem wallet so you can cover the locked reserve and standard XRPL network fees (< $0.01 per transaction, burned in drops).
Signing a 10 XRP or 10 RLUSD NFC test transfer and 3-5s settlement
Before transferring a larger allocation from cold storage, always execute a small 10 XRP or 10 RLUSD test transfer first. Enter 10 XRP (or 10 RLUSD) in Tangem, confirm that both rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag appear on the review screen, enter your Tangem access code or biometric prompt, and hold your Tangem Card or Tangem Ring flat against your phone's NFC reader to sign and broadcast the payment. XRP Ledger consensus reaches validated finality (`tesSUCCESS`) in 3-5s. Once validated on-chain, XORA's deposit listener attributes your Destination Tag and credits your internal account ledger automatically with $0 XORA deposit fee.
Bootstrap treasury subsidy, zero fixed lock-up, and withdrawal controls
XORA's elevated native yield (15% native XRP on Tier 1 and 13% native RLUSD where enabled) is funded during launch by a finite, openly disclosed XORA treasury bootstrap subsidy rather than an opaque lending desk. As total deposits grow, headline rates step down toward prevailing on-chain XRPL AMM and lending returns. XORA token quantity is separate from APY, and estimated XORA reward value is not guaranteed cash. Deposits have no fixed lock-up or scheduled redemption window, and yield accrues daily at 00:00 UTC. You can withdraw back to your Tangem XRPL address (with no destination tag needed when sending back to self-custody) once automated account, treasury, daily reconciliation, and security risk controls pass before broadcast.
Recovery workflow if a Destination Tag is omitted from Tangem
If you sign and broadcast an XRP or XRPL RLUSD transfer from Tangem without filling the Destination Tag / Memo field, the XRP Ledger still validates the payment and delivers the tokens into XORA's pooled treasury wallet (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o). Because no tag was attached, XORA cannot match the inflow to your user profile automatically, so the deposit remains uncredited pending manual review. To recover an untagged deposit, open your transaction in Tangem, copy the validated 64-character XRPL transaction hash (`txid`) from an XRPL explorer such as xrpscan.com, and contact XORA support (hello@xora.finance) from your registered account email with the transaction hash, your sending Tangem r... address, the exact amount, and timestamp so treasury operations can verify ownership and reconcile the credit manually.
Tangem NFC self-custody vs XORA custodial deposit parameters
| Parameter | Tangem Card / Ring (Self-Custody) | XORA Custodial Rail (XRPL) | Operational Check |
|---|---|---|---|
| Signing & key custody | EAL6+ chip signed via smartphone NFC | Pooled XRPL treasury + internal ledger | You trade self-custody keys for custodial risk |
| XRP yield rate | 0% native protocol yield on XRPL | Up to 22% APY value on 0 to 1,000 XRP | 15% native XRP + 7% est. XORA reward value |
| RLUSD yield rate (XRPL) | 0% native holding yield in wallet | Up to 17% APY value where enabled | 13% native RLUSD + 4% est. XORA reward value |
| Routing identifier | Not required when receiving to Tangem | Mandatory numeric Destination Tag | Paste digits in Tangem Destination Tag / Memo |
| Network & reserve rule | 1 XRP base + 0.2 XRP per trustline | $0 XORA deposit fee; < $0.01 XRPL fee | Send XRPL mainnet only, never ERC-20 RLUSD |
| Test transfer & lockup | Sign 10 XRP or 10 RLUSD test via NFC | 3-5s XRPL finality; no fixed lock-up | Withdrawals pass risk controls before broadcast |
Always enter BOTH XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your unique numeric Destination Tag in Tangem's Destination Tag / Memo field before tapping your Tangem Card or Ring. For RLUSD, send native XRP Ledger RLUSD only (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), never Ethereum ERC-20 RLUSD. Omitting the Destination Tag prevents automatic credit and requires manual recovery.
Checklist
- Open Deposit XRP (for XRP) or Deposit RLUSD (for XRPL RLUSD) and verify live rail status at agent facts.
- Copy BOTH XORA's shared XRPL address (
rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) AND your unique numeric Destination Tag. - In Tangem Wallet, select XRP or XRP Ledger RLUSD (issuer
rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), paste the XRPL address, and enter your numeric Destination Tag in Tangem's Destination Tag / Memo field. - Tap your Tangem Card or Ring via NFC to send a 10 XRP or 10 RLUSD test transfer first, confirm 3-5s XRPL finality, and verify the credit in your XORA dashboard before sending the rest.
- Model daily compounding tiers in XRP Yield Calculator or compare custodial vs hardware options in XORA vs Ledn vs Uphold.
Frequently Asked Questions
Where do I enter XORA's Destination Tag in the Tangem app?
When you select XRP or XRP Ledger RLUSD in Tangem Wallet and paste XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), Tangem exposes a Destination Tag (or Memo) input box directly beneath the recipient address. Paste your exact numeric Destination Tag from /app#deposit-xrp or /app#deposit-rlusd into that field before tapping your Card or Ring.
Can I send RLUSD from Tangem to XORA?
Yes, provided your RLUSD is held on the XRP Ledger mainnet (official Ripple issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De, hex 524C555344000000000000000000000000000000). Never send Ethereum ERC-20 RLUSD to XORA's XRPL r... address. Check /api/agent/facts and /api/multiasset/rates to confirm deposits_open and yield_paying before sending.
What happens if I send XRP or RLUSD from Tangem without a Destination Tag?
Your transaction still reaches XORA's pooled XRPL treasury wallet in 3-5s, but XORA's automated accounting cannot assign the funds without your numeric tag. Contact hello@xora.finance from your account email with the validated 64-character XRPL transaction hash, your Tangem sending address, and exact transfer amount for manual reconciliation.
Why can I not stake XRP natively inside Tangem Wallet?
The XRP Ledger uses Federated Byzantine consensus with zero protocol staking inflation, so Tangem has no native XRP staking button. Earning up to 22% XRP APY value or 17% RLUSD APY value on XORA requires transferring funds to XORA's custodial account, where yield is funded during launch by a finite treasury bootstrap subsidy plus estimated XORA reward value.
How fast do Tangem to XORA deposits settle, and are funds locked up?
Once signed via NFC on your Tangem Card or Ring, XRPL mainnet payments typically validate in 3-5s and credit automatically after confirmation. XORA imposes no fixed lock-up terms; outbound withdrawals back to your Tangem address pass automated account, treasury, daily reconciliation, and security risk controls before broadcast.
Sources
- Tangem Help Center - Destination Tag and Memo Transfers
- XRPL Documentation - Source and Destination Tags
- XRPL Documentation - Base and Owner Reserves
- Can You Stake XRP on Tangem in 2026?
- XORA Yield Source and Bootstrap Subsidy Disclosures
- XORA Security and Custody Architecture
- XORA Machine-Readable Agent Facts API
Next
Open /app#deposit-xrp or /app#deposit-rlusd, copy both XORA's XRPL address and your numeric Destination Tag, and sign a 10 XRP or 10 RLUSD NFC test transfer from Tangem first. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC or SIPC insured.
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