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

How to Deposit XRP from Tokocrypto and Pintu to XORA (2026)

By XORA · Published · Updated

Withdraw XRP from Tokocrypto and Pintu in Indonesia to XORA: fund in IDR via BI-FAST or QRIS, pick native XRPL, attach your tag, and test 10 XRP.

Short answer

Tokocrypto (PT Crypto Indonesia Berkat) and Pintu (PT Pintu Kemana Saja) are licensed Physical Crypto Asset Traders (PFAK) in Indonesia under Bappebti and OJK oversight, pairing instant IDR BI-FAST virtual accounts and QRIS e-wallets with native XRP liquidity. Withdraw native XRP over 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

IDR BI-FAST virtual accounts and QRIS funding on Tokocrypto and Pintu

Indonesian XRP holders deposit IDR from a same-name bank account via BI-FAST virtual accounts (BCA, Bank Mandiri, BRI, BNI, Permata) or QRIS e-wallets (GoPay, OVO, DANA, ShopeePay), acquire XRP on XRP/IDR or XRP/USDT pairs, and open /app#deposit-xrp in XORA to copy XORA's XRPL deposit address and unique numeric Destination Tag.

Selecting native XRPL and completing OJK / Bappebti Travel Rule prompts

In Tokocrypto or Pintu, choose Withdraw / Send XRP, explicitly pick native XRP Ledger (XRPL) rather than BEP-20, and paste both XORA's XRPL r-address and your numeric Destination Tag (Memo / Tag). Complete Indonesian Travel Rule beneficiary prompts truthfully as an external custodial crypto platform rather than a private unhosted wallet.

10 XRP test transfer, Indonesian PMK tax logs, and risk disclosures

Confirm a 10 XRP test transfer with email OTP, SMS / authenticator 2FA, or biometrics (~4 seconds XRPL finality once broadcast, < $0.01 on-ledger fee) before transferring full IDR-funded XRP balances. Retain IDR purchase receipts (including Indonesian exchange final tax deductions) and XRPL hashes for DJP annual SPT 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 LPS, FDIC, or SIPC insured.

Tokocrypto and Pintu to XORA XRP transfer overview

ItemTokocrypto (Indonesia IDR)Pintu (Indonesia IDR)XORA requirement
Required networkXRP Ledger (never BEP-20)XRP Ledger (XRPL) nativeXRP Ledger mainnet only
IDR funding railBI-FAST VA / QRIS (same-name)BI-FAST VA / QRIS (same-name)On-chain XRP only (no IDR QRIS)
Destination TagMandatory Tag / Memo fieldMandatory Tag / Memo fieldMandatory unique numeric tag
Recommended first send10 XRP test transfer10 XRP test transferConfirm credit before scaling
Select native XRP Ledger (never BEP-20) and enter your numeric Tag

Tokocrypto displays both XRP Ledger and BNB Smart Chain (BEP-20) networks when withdrawing XRP. Always select native XRP Ledger (XRPL) and enter both rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag; wrapped BEP-20 tokens cannot be credited automatically.

Checklist

  1. Open /app#deposit-xrp in XORA and copy XORA's XRPL deposit address plus your unique numeric Destination Tag.
  2. Fund Tokocrypto or Pintu in IDR via BI-FAST or QRIS from an account in your own legal name and buy XRP.
  3. Open Withdraw / Send XRP and verify the network is native XRP Ledger (XRPL), never BEP-20.
  4. Paste XORA's XRPL r-address and your numeric Destination Tag, completing any Travel Rule beneficiary prompt truthfully.
  5. Approve a 10 XRP test transfer with authenticator + email OTP and verify credit in XORA (~4 seconds after broadcast).
  6. Send your remaining XRP balance only after confirming the 10 XRP test credit in XORA.

Frequently Asked Questions

Which network should I choose when withdrawing XRP from Tokocrypto to XORA?

Always select native XRP Ledger (XRPL). Never choose BNB Smart Chain (BEP-20), as wrapped BEP-20 XRP does not settle on XRPL mainnet and cannot be credited automatically by XORA.

Can I fund XORA directly using QRIS or an Indonesian bank transfer?

No. XORA operates on public crypto rails and does not connect to BI-FAST or QRIS; deposit IDR into Tokocrypto, Pintu, or Indodax first, buy native XRP, and withdraw over XRPL with your numeric Destination Tag.

How do Indonesian crypto taxes interact with XORA deposits?

Licensed Indonesian PFAK exchanges withhold statutory final crypto transaction taxes on local trades, while foreign platform yield and holdings must be tracked in IDR for your annual DJP SPT filing; consult a licensed Indonesian tax adviser (Konsultan Pajak).

Are XORA balances insured by Indonesia's Lembaga Penjamin Simpanan (LPS)?

No. XORA is a custodial crypto neobank, not an Indonesian bank, and balances are not covered by LPS, FDIC, or SIPC deposit insurance. 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 LPS, FDIC, or SIPC insured.

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