How to deposit on Stake with XRP

A Stake XRP deposit settles in seconds and costs a negligible fraction of a cent on the XRP Ledger, which is why many players like it. The catch is a feature most other coins do not have: XRP deposits use a destination tag alongside the address. Forgetting the tag is the single most common reason an XRP deposit goes astray.

XRP is the native asset of the XRP Ledger, a network built for fast payments. Transfers usually finish in three to five seconds and fees are tiny, so the ledger is almost never the reason a deposit is slow. When a deposit is late, the usual causes are exchange processing or a missing or wrong tag.

This guide shows where to find your address and tag in the cashier, how the account reserve works, what fees look like, the mistakes to avoid and how to withdraw. The cashier is the final authority and can change. 18+ only. If you prefer a coin with no tag at all, Litecoin and Bitcoin keep it simple.

1. Log in to Stake, open Wallet and choose Deposit.
2. Select XRP in the currency list. Stake shows an XRP address and a destination tag (a number).
3. Copy both the address and the tag with the copy buttons.
4. In your wallet or exchange, choose Send or Withdraw, pick XRP on the XRP Ledger network.
5. Paste the address into the address field and the tag into the Destination Tag or Memo field. Do not leave it blank.
6. Enter the amount, review the fee and confirm with two-factor authentication.
7. Wait a few moments. Ledger settlement takes seconds, so your balance should update soon after the exchange sends it.

If your wallet or exchange does not offer a tag field, it may not be suitable for deposits to a tagged address. Do not send without the tag.

Exchanges and platforms often use one XRP address for many customers and use the destination tag to tell whose funds arrived. Stake's cashier shows the tag that belongs to your account. If you send XRP without it, or with a different number, the funds reach Stake's address but cannot be matched to you automatically.

What to do:

• Always copy the tag from the live cashier screen. Do not reuse a tag from a previous visit unless the cashier shows the same one.
• Paste it into the right field. On some exchanges the field is labelled Memo or Destination Tag. It is a number, not text.
• Do not add spaces. Check there are only digits.
• If you forgot it, contact Stake support straight away with the transaction hash, address and amount. Recovery is possible in some cases but not guaranteed, and it can take time.

The tag is not a security feature. It simply routes the payment. Never share your account credentials alongside it.

The cashier shows no Stake deposit fee for XRP. The network fee on the XRP Ledger is a tiny fraction of a cent and is destroyed rather than paid to a miner. Your exchange's withdrawal fee is the cost to compare, because exchanges set their own flat fees.

The XRP Ledger also has an account reserve: a wallet must hold a small base amount of XRP to stay active, plus an extra amount for each object it owns. The reserve has been reduced over the years and the exact figure is set by the network, so check your wallet. It affects you in two ways. First, you cannot empty a self-custody wallet to zero. Second, a brand-new wallet must receive at least the reserve before it can send. This does not stop you depositing from an exchange.

Price risk is again the larger cost. XRP can swing sharply on news, so keep deposits purposeful and short-lived if you do not want exposure to the coin.

The XRP Ledger closes a ledger every few seconds, and a transaction in a validated ledger is final. Stake credits your balance once the cashier's condition is met, so the on-chain portion is brief.

If an XRP deposit has not appeared, check in this order:

1. Did the exchange complete the withdrawal? A pending withdrawal at the exchange has not reached the ledger.
2. Look up the hash on an XRP Ledger explorer and check the destination address and the tag in the transaction details.
3. Compare the tag with the one in the cashier.
4. Contact support with the hash if everything matches and nothing credits.

The broader deposit not showing guide covers cases that apply to every coin.

• Through the cashier. The buy-crypto option links to third-party providers selling crypto for cards or local methods, delivering to your Stake address. Coin lists, fees and availability differ by country and provider. Not every provider supports XRP. See the credit card guide.
• On an exchange. XRP is listed on most major exchanges. Buy it, then withdraw to the Stake address and tag.

If you are choosing a coin only for convenience, note that the extra tag step is the main reason some players prefer USDT or Litecoin.

1. Open Wallet and choose Withdraw.
2. Select XRP.
3. Paste an XRP address you control, such as your exchange's XRP deposit address.
4. Add the destination tag your exchange gives you, if it uses one. Exchanges almost always do.
5. Enter the amount, check the fee and confirm with two-factor authentication.

Leaving out an exchange's tag on a withdrawal is the same mistake in reverse, and the exchange may not credit the funds without support. See withdrawal pending if Stake's review is taking a while.

• Missing destination tag. The classic error. Always include it.
• Wrong tag. A tag from an old session or another site. Copy the one shown now.
• Wrong asset. Wrapped XRP or tokens on other chains are not XRP on the ledger.
• X-addresses. Some wallets show an address format that bundles the tag into the address. If you use one, follow the cashier's format and the wallet's guidance, and when in doubt use the classic address plus a separate tag.
• Sending below the reserve to a new wallet, or draining your own wallet below it.
• Trusting messages that promise XRP giveaways. They are scams; only use the real cashier.

Speeds and fees are general rules and move with conditions.