Memos and tags
The address can be valid and the credit still fail if the memo is missing. Copy both fields from the destination screen.
Custodial exchanges often share one deposit address among users. A destination tag, memo, or payment ID tells them which account to credit. XRP, TON, Cosmos/ATOM, and some EOS-style deposits work this way. Self-custodial wallets usually do not need a tag.
If you receive on an exchange, paste the address and the memo exactly as that platform shows. Swap.bz will not invent a tag you left blank. If you send into Swap.bz, add a memo only when the quote displays one.
A “successful” on-chain transfer with the wrong or missing memo is still a failed credit at the exchange. Their support desk — not a second swap — is the recovery path.
Common tagged assets
XRP, TON, ATOM, some CEX USDT
Self-custody
Often no memo
Who types the memo
You — in the widget or wallet
Reuse old memo
No — copy the current deposit screen
What to do
- 1.Open the destination wallet or exchange deposit page for the exact asset and network.
- 2.Copy address and memo/tag as a pair. Do not mix a tag from last week.
- 3.Paste both into Swap.bz if you are receiving there. If sending to our deposit, follow only the fields we show.
- 4.Save the order ID before you broadcast.
Before you send
Bitcoin and Monero payouts do not use an XRP destination tag.
A memo is not a substitute for picking the correct network.
See the XRP-specific page if your only issue is an r-address tag.