Memo / destination tag

An additional transaction field that services use to identify the recipient account when multiple customers share a deposit address. On XRP Ledger, destination tags are specifically intended to distinguish payments to different recipients sharing an address; on networks such as Stellar, EOS, TON and Cosmos-based chains, memos serve more general purposes. Memo and tag values are publicly visible on-chain. Without the required memo or tag, a deposit to a shared address cannot be automatically attributed to a specific customer account, although the service may be able to credit it manually.