Step-by-step

  1. To receive XRP, copy the r-address from Receive. Unlock /app → Receive → XRP Ledger. Share that address. Tags are usually not required when you are the destination.
  2. If an exchange shows a tag, do not use GaurdWallet Send. Use an XRP wallet that exposes DestinationTag, or withdraw from the exchange to your GaurdWallet r-address instead.
  3. Fund new accounts. An r-address with no XRP does not exist on ledger until it meets the reserve. First incoming payment must cover that. We do not hide that cost.
XRP destination tag check

GaurdWallet can receive XRP to a classic r-address. Sending to an exchange that requires a destination tag is not supported yet — there is no tag field on Send.

What the wallet encodes

Payments are signed locally against a proxied rippled endpoint (/api/rpc/xrp). Encoding is verified against the reference implementation. Issued currencies (IOUs) are out of scope — native XRP only.

JobGaurdWallet today
Receive XRP to r-addressYes
Send XRP to another r-address you controlYes (no tag)
Send XRP to an exchange with a required tagNot supported — do not try
XRP as an Exchange (LI.FI) assetNo
Warning

Exchanges that credit “tag 0” or “no tag” as a lost deposit will not help you because our UI omitted the field. Wait for the tag control or use another sender.

Path and address shape

Derivation is m/44'/144'/0'/0/{index}. Addresses are classic base58 r… with checksum (bad checksum throws in the codec). This is not an EVM 0x and not a Solana mint.

Receive XRP     →  r-address from m/44'/144'/0'/0/0
Send + tag      →  not in this release (changelog)
Invalid r-str   →  send.invalidAddress
Info

We are not Ripple the company. Destination tags are an XRPL convention exchanges adopted — not a GaurdWallet invention.

FAQ

Will a tag field be added? The product changelog says a dedicated tag field is coming. This page will change when Send can attach DestinationTag. Until then the answer is no.

Can I put the tag in the address field? No. Concatenating “rXXX:12345” will fail validation. Tags are a separate payment field on XRPL.

Why is my received XRP not showing? Wrong network selected, unfunded account below reserve, or you sent an IOU we do not list. Check xrpscan on the r-address from Receive.