Updated 2026-10-31 · 7 min read · Guide

Deposit XRP from Upbit and Bithumb to XORA (2026)

By XORA · Published · Updated

How to send XRP from Upbit or Bithumb to XORA: Korean Travel Rule verification, registered XRPL wallet routing, mandatory Destination Tag, and up to 22% APY value.

Short answer

Open XORA at /app#deposit-xrp or /app#deposit-rlusd, copy BOTH XORA's shared XRP Ledger treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) AND your unique numeric Destination Tag, and prepare your withdrawal from Upbit or Bithumb. South Korean exchanges operate under strict Korean Financial Intelligence Unit (KFIU) Travel Rule regulations. For transfers exceeding 1,000,000 KRW (approximately $750 USD), Upbit and Bithumb verify recipient VASP connectivity via CODE or VerifyVASP solutions. When sending directly or routing through a verified personal XRPL self-custody wallet (such as Xaman) registered under your real name, always select the native XRP Ledger network and paste your exact numeric Destination Tag. Never omit the destination tag when sending to XORA. Always execute a 10 XRP test transfer first, which settles on the XRP Ledger in approximately 4 seconds with a $0 XORA deposit fee. Eligible 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), while native XRPL RLUSD quotes up to 17% variable APY value where enabled in-app. Model your returns in /xrp-yield-calculator, verify security at /security, and reserve your handle at /card. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC, SIPC, or KDIC insured.

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Direct rails: Deposit XRP · Deposit RLUSD · Deposit BTC · RLUSD on XRPL guide

Korean VASP Travel Rule requirements and withdrawal routing

South Korea enforces comprehensive Travel Rule compliance under the Act on Reporting and Using Specified Financial Transaction Information. Licensed exchanges including Upbit (operated by Dunamu) and Bithumb restrict direct crypto withdrawals over 1,000,000 KRW to whitelisted VASPs integrated with CODE or VerifyVASP protocols. If XORA is not directly selectable in the exchange VASP dropdown, Korean users typically withdraw under the 1,000,000 KRW threshold per transaction, or transfer funds first to a verified personal self-custody XRPL wallet (such as Xaman or a hardware wallet registered with real-name KYC at the exchange) before forwarding to XORA. Always check exchange withdrawal limits and ensure your identity records match.

Selecting native XRP Ledger rail on Upbit and Bithumb

When configuring your withdrawal in the Upbit or Bithumb application, confirm that the selected asset is native XRP on the XRP Ledger network. Neither exchange supports alternate chain wrapping for XRP withdrawals, but confirming the native XRPL rail ensures transactions route through standard decentralized consensus. Withdrawals incur a minimal network fee (typically around 0.5 to 1 XRP depending on exchange fee schedules) and settle on-chain within 3 to 5 seconds once broadcast by the exchange.

Mandatory Destination Tag entry and avoiding routing failure

Both Upbit and Bithumb provide dedicated fields for recipient address and Destination Tag (often labeled Tag, Memo, or Destination Tag). You must copy your exact numeric Destination Tag from /app#deposit-xrp and paste it into the tag field. Do not check any box that bypasses the tag. Because XORA utilizes a single shared treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) to receive user deposits, omitting your numeric tag sends assets to the pooled reserve without identifying metadata, requiring manual intervention to recover.

Sending a 10 XRP test transfer and 4-second XRPL finality

Prior to initiating a large transfer, always broadcast a test payment of 10 XRP. Complete exchange two-factor authentication (Kakao Pay, Naver, or OTP verification on Upbit; SMS or Google Authenticator on Bithumb). Once approved by exchange fraud controls, the XRP Ledger closes the transaction ledger in approximately 4 seconds. XORA charges a $0 deposit fee, and the base ledger burn is a tiny fraction of a drop. Confirm that the 10 XRP credit reflects in your XORA dashboard before transferring your main holding.

Treasury reserves, recovery protocol, and custodial disclosures

XORA maintains customer assets in auditable on-chain treasury reserves and reconciles balances continuously against verifiable XRP Ledger transactions. Yield is funded by a finite protocol bootstrap subsidy designed to expand adoption. If an untagged transfer is submitted by mistake, retrieve the 64-character transaction hash from Upbit or Bithumb withdrawal history and submit it to hello@xora.finance for manual ledger reconciliation. XORA is a custodial platform and not a chartered depository institution; assets are not covered by FDIC, SIPC, or KDIC deposit insurance.

Upbit and Bithumb vs XORA XRP deposit parameters

ParameterUpbit and BithumbXORA Custodial AccountVerification Action
XRP yield rate0% native yield in exchange walletUp to 22% APY value on 0 to 1,000 XRP15% native XRP + 7% est. XORA reward value
Travel Rule ruleKFIU Travel Rule on >= 1,000,000 KRWDirect deposit crediting via XRPL tagRoute via personal wallet if unlisted VASP
Destination TagMandatory tag field in withdrawal formMandatory unique numeric Destination TagPaste exact digits from XORA dashboard
Network selectionNative XRP LedgerNative XRPL only (~4s finality)Confirm native XRP Ledger rail
Deposit fee and termsExchange withdrawal fee (0.5 to 1 XRP)$0 XORA deposit fee; no lock-up termsExecute 10 XRP test transfer first
Korean Travel Rule thresholds and mandatory Destination Tag

Upbit and Bithumb enforce Korean Travel Rule verification for transfers of 1,000,000 KRW or greater. If direct external VASP withdrawal is restricted, route your transfer through a registered personal XRPL wallet first. When transmitting to XORA, entering your numeric Destination Tag is mandatory. XORA pools deposits into a single shared XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), and transfers missing a destination tag cannot be credited automatically.

Checklist

  1. Open Deposit XRP in XORA and copy the shared XRPL treasury address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o and your numeric Destination Tag.
  2. In Upbit or Bithumb, navigate to Withdrawal, select XRP, and verify the native XRP Ledger rail.
  3. Paste XORA's XRPL address and enter your unique numeric Destination Tag into the designated tag field.
  4. Review Korean Travel Rule thresholds; if sending 1,000,000 KRW or more to an unlisted VASP, route through your verified personal XRPL wallet first.
  5. Send a 10 XRP test transfer first, complete exchange 2FA, verify settlement in approximately 4 seconds, and confirm your balance before transferring more.

Frequently Asked Questions

Do Upbit and Bithumb require a destination tag when withdrawing XRP?

Yes. Upbit and Bithumb require entering a numeric Destination Tag when withdrawing XRP to external exchanges or custodial accounts. Because XORA uses a pooled XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), your unique numeric Destination Tag is strictly required to route the deposit to your account.

How does the South Korean Travel Rule affect XRP transfers to XORA?

Under KFIU regulations, South Korean exchanges enforce the Travel Rule for crypto transfers of 1,000,000 KRW (approx. $750) or more using CODE or VerifyVASP. If direct withdrawal to XORA is not supported in the exchange VASP list, users either transfer amounts below 1,000,000 KRW or send funds to their registered personal XRPL self-custody wallet (such as Xaman) before forwarding to XORA.

How fast does an XRP withdrawal from Upbit or Bithumb settle on XORA?

Once Upbit or Bithumb approves and broadcasts the transaction, the XRP Ledger validates and closes the ledger in approximately 4 seconds (3 to 5 seconds). XORA credits your account automatically upon on-chain validation.

What should I do if I forgot the Destination Tag on Upbit or Bithumb?

If you omitted the Destination Tag, the XRP arrived at XORA's treasury address but could not be credited automatically. Locate the 64-character XRPL transaction hash (txid) in your Upbit or Bithumb withdrawal history and email hello@xora.finance with the txid and transfer amount for manual recovery.

Can I withdraw native XRPL RLUSD from Korean exchanges to XORA?

If Upbit or Bithumb lists Ripple USD on the XRP Ledger, you can withdraw native XRPL RLUSD (issued by rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) to XORA at /app#deposit-rlusd. Eligible XRPL RLUSD quotes up to 17% variable APY value where enabled in-app. Always verify the asset is native XRPL before initiating.

Sources

Next

Open /app#deposit-xrp, copy XORA's XRPL treasury address and your unique numeric Destination Tag, and initiate a 10 XRP test withdrawal from Upbit or Bithumb. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not FDIC, SIPC, or KDIC insured.

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