On some networks an address alone is not enough to credit a deposit. Here is what the memo field does, when to fill it in, and what goes wrong when it is skipped.
Published September 30, 2026 · 3 min read
A memo is a short piece of text or a number that you add to a transfer next to the destination address. Depending on the wallet or network it may be called a comment or a tag. It is not a message to a person. It is a routing detail that tells the receiving side which account the funds are meant for. When a deposit screen shows a memo, treat it as part of the address.
Some networks, TON among them, use a memo or comment alongside the address to route a deposit to the right account. The address gets the transfer to the destination, and the memo tells the receiver whose deposit it is. Without that second piece, the transfer arrives but cannot be matched to you automatically. This is why the memo is treated as required on those networks, not as an optional note.
On networks that use a memo, sending without the required one, or with a wrong one, can leave a transfer unattributed. Such a deposit needs support to resolve, so it will not be credited automatically the way a correct deposit is. Blockchain transfers are irreversible, and nobody can pull a transfer back once it is sent. Copy the memo rather than typing it by hand, and check it before you confirm.
| Situation | What the screen shows | What you do | What can go wrong |
|---|---|---|---|
| Network uses a memo (for example TON) | Address and memo | Copy both and enter them exactly | Missing or wrong memo can leave the transfer unattributed, needing support |
| Network does not use a memo | Address only, no memo field | Send to the address alone | Adding an unrequested memo is unnecessary; follow the screen |
| Memo shown but left empty | Address and memo | Go back and add the memo before sending | Transfer may not be matched to your account |
| Different network than the address | Address issued for one network | Use only the network the address was issued for | The transfer will not arrive and cannot be reversed |
In Nexus Pay you open the deposit screen, choose the coin, and pick the network. When the chosen network needs a memo, the wallet shows both the address and the memo to use. USDT and USDC can be deposited via TON, so that is a route where you may see this field. Every deposit address belongs to one network, so the memo, the address and the network must all match what the screen shows.
No. Networks that do not use a memo simply do not show that field. Only include a memo when the deposit screen asks for it, and do not invent or reuse one from another network. The deposit screen for your chosen network is the source of truth, so do not rely on what worked for a different coin or network. Each network also has a minimum deposit amount shown in the app, and deposits below it are not credited.
Most memo problems come from small habits, and a short checklist covers them. Nexus Pay credits deposits automatically after the network confirms them, which takes from a few minutes to about an hour depending on the blockchain. Give that time before assuming something is wrong.
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