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

How to Deposit XRP from ZebPay and CoinDCX to XORA (2026)

By XORA · Published · Updated

Step-by-step XRP withdrawal guide for ZebPay and CoinDCX in India: enable crypto send, select XRP Ledger, enter your XORA tag, and test with 10 XRP.

Short answer

ZebPay and CoinDCX users in India can send native XRP to XORA once external crypto withdrawals are enabled on their verified exchange account. Copy XORA's XRPL treasury address and your unique numeric Destination Tag, whitelist the recipient with the tag attached, and verify a 10 XRP test transfer before moving larger balances.

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

Verify withdrawal access and address whitelisting

FIU-IND registered exchanges such as ZebPay and CoinDCX gate external crypto transfers behind full KYC and recipient address whitelisting. Add XORA's XRPL address rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o together with your exact numeric Destination Tag in your address book and allow any security cooldown to finish before initiating a transfer.

Select native XRP Ledger only

On ZebPay or CoinDCX, choose XRP on the native XRP Ledger network. Do not route wrapped XRP over BSC, Ethereum, or Polygon: XORA credits native XRPL payments routed to its treasury address with your account's numeric Destination Tag.

Compliance, fees, and variable yield

Review your exchange's flat XRP withdrawal fee and verify your own local reporting obligations with a qualified adviser. Once credited on XORA, XRP balances earn up to 22% variable Tier 1 APY value on 0 to 1,000 XRP (15% native XRP treasury subsidy plus estimated XORA rewards) and native XRPL RLUSD earns up to 17% APY value where enabled. Rates are variable, not guaranteed, and custodial balances are not insured by DICGC, FDIC, or SIPC.

ZebPay and CoinDCX to XORA XRP transfer overview

ItemZebPay (INR)CoinDCX (INR)XORA requirement
Supported networkXRP Ledger (native)XRP Ledger (native)XRP Ledger mainnet only
Destination TagTag / Memo numeric fieldDestination Tag numeric fieldMandatory unique numeric tag
Address whitelistingRequired with OTP approvalRequired when crypto send is enabledSave address + tag together
Recommended first send10 XRP test transfer10 XRP test transferConfirm credit before scaling
Check crypto send eligibility and always include the tag

External crypto withdrawals on Indian exchanges depend on account tier, risk checks, and address whitelisting cooldowns. Always verify current withdrawal eligibility on ZebPay or CoinDCX first, select native XRP Ledger, and include your numeric XORA Destination Tag on every transfer.

Checklist

  1. Open /app#deposit-xrp in XORA and copy both the XRPL deposit address and your numeric Destination Tag.
  2. In ZebPay or CoinDCX, confirm external XRP withdrawals are active on your account and open the XRP withdrawal or address-book screen.
  3. Add XORA's XRPL address and paste your numeric Destination Tag into the Tag or Memo field.
  4. Confirm the network is native XRP Ledger, never a wrapped smart-chain token.
  5. Approve the withdrawal with your authenticator code and email or SMS OTP, starting with a 10 XRP test amount.
  6. Verify the 10 XRP credit inside your XORA dashboard (~4 seconds after XRPL broadcast) before sending the rest.

Frequently Asked Questions

Why is crypto withdrawal unavailable on my CoinDCX or ZebPay account?

Indian exchanges enable external crypto withdrawals based on account verification level, security settings, and compliance review. Confirm crypto send eligibility inside your exchange settings before buying XRP for withdrawal.

Do ZebPay and CoinDCX require a Destination Tag for XORA?

Yes. XORA uses one shared XRPL treasury address and routes deposits by numeric Destination Tag. Leave no tag blank and never check any No Tag option.

How fast do XRP transfers settle once broadcast?

Once ZebPay or CoinDCX broadcasts the transaction to the XRP Ledger, finality takes roughly 3 to 5 seconds and XORA credits tagged deposits automatically.

Are XORA balances insured in India?

No. XORA is a custodial XRP neobank, not a bank, and is not insured by DICGC, 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 send a 10 XRP test transfer from ZebPay or CoinDCX first. Rates are variable and not guaranteed. XORA is custodial, not a bank, and not DICGC, FDIC, or SIPC insured.

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