If the XYBASIC ROM that came with your system cannot save/load to the virtual paper tape it is an old version.
A new one that can is available here:
XYBASIC doesn't include disk support, but can be build for disk OS's like CP/M. A disk image with a CP/M version
and some example programs is here:
The disk actually includes 3 versions with different floating point support, binary, BCD and APU accelerated.
For using the APU version you need the latest ESP firmaware including the APU emulation.