When working with some cryptocurrencies (for example, XRP, XLM, TON, USDT-TON), users are faced with the need to specify a Memo/The tag when sending or receiving funds. In this article we will analyze:

- What is a Memo?/The tag and why is it needed?
- How do I fill it out correctly for deposits and withdrawals?
- What mistakes can lead to loss of funds?

1. Why use Memo?
A Memo (or Tag) is an additional transaction identifier that is used in certain blockchains (for example, Ripple (XRP), Stellar (XLM), Toncoin (TON), USDT (TON)).

What is it for?
It is mandatory for exchanges and services working with these networks, it helps the system determine which user to transfer funds to (since many wallets use a common address). Without a correct Memo, the transaction may not be credited and may hang. You will need to request a manual refund (which takes time).

Important! In the Bitcoin (BTC), Ethereum (ETH), and Tron (TRX) networks, Memo is not required — only the wallet address is used there.

2. Important points when adding Memos
To avoid losing funds, follow the rules:
- Always check if you need a Memo.;
- Copy the Memo exactly as specified in the wallet/exchange (case and numbers must match);
- Do not leave the field empty if it is required.;
- Do not enter random numbers, as this may lead to loss of funds.

How do I check if I need a Memo? When depositing funds, the exchange usually indicates whether a Memo/Tag is required. If in doubt, contact the support service.

3. How to fill out Memo Deposits correctly
Replenishment on the exchange (for example, MEXC, Binance, Bybit):

- Go to the "Deposit" section.
- Select the desired cryptocurrency (for example, XRP, XLM, BNB).
- The exchange will generate for you:
- Wallet address (for example, rPFLkxQk6xUGdGYEykqe7PR25Gr7mLHgc).
- Memo/Tag (for example, 123456789).
- When sending, enter both the address and the Memo (otherwise the funds will not be credited!).

An example of an XRP deposit:
{ Address: rPFLkxQk6xUGdGYEykqe7PR25Gr7mLHgc
Memo: 987654321 }

Deposit errors:
- If you forgot to enter the Memo, contact the exchange's support and provide the transaction hash.;
- If you have entered an incorrect Memo, it may take time to recover.

4. How to fill out a Memo Withdrawal correctly
Withdrawal from abcobmen to another wallet: When making an application, specify the recipient's Address and Comment/Memo/Tag (if required by the recipient). If you withdraw money to a personal wallet (for example, Trust Wallet, Ledger), you usually do not need a Memo.

Conclusion:
- Memo/The tag is required for XRP, XLM, TON and similar networks.
- Always check the correct input.
- Without a Memo, funds may be lost or require a manual refund.

If you still have any questions, ask them in the chat!