Updated 2026-11-01 · 6 min read · Guide

Deposit XLM from Binance and Uphold to XORA (2026)

By XORA · Published · Updated

Withdraw Stellar Lumens (XLM) from Binance or Uphold to XORA on Stellar mainnet (never BEP-20) with your mandatory numeric XLM Memo and a 10 XLM test.

Short answer

To deposit Stellar Lumens (XLM) from Binance or Uphold into XORA, open /app?asset=XLM#deposit-xlm and copy BOTH XORA's pooled Stellar G... deposit address and your mandatory numeric XLM Memo. On Binance, redeem any Simple Earn XLM to your Spot Wallet and pick 'XLM - Stellar Network' (never BNB Smart Chain BEP20); on Uphold, route from your XLM balance to the 'Stellar' crypto network and fill the Memo field. Send a 10 XLM test transfer first (~5-second Stellar finality after broadcast). Where enabled, XORA credits up to 15% variable XLM pilot APY value with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

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Binance XLM withdrawal: Stellar Network (G...) vs BNB Smart Chain (BEP20)

Binance offers two networks when withdrawing XLM: native 'XLM - Stellar Network' (addresses starting with G...) and wrapped 'BNB Smart Chain (BEP20)' (addresses starting with 0x...). Always select 'XLM - Stellar Network' and type your exact numeric XORA Memo into Binance's MEMO input. Never leave Binance's MEMO blank even though the Stellar protocol allows memo-less transactions on-chain.

Uphold Transact flow: From XLM -> To Stellar Network + Memo

In Uphold, open the Anything-to-Anything Transact panel: set 'From' to your XLM account, scroll under 'Crypto Networks' in 'To' and select 'Stellar' (not an internal Uphold card), then paste XORA's Stellar G... address and your numeric XORA Memo on the recipient details screen. Check that any US ACH bank deposit cooldown on Uphold has finished before sending.

Strict numeric Memo formatting (MEMO_ID / exact digits only)

XORA credits pooled Stellar G... deposits from MEMO_ID or MEMO_TEXT containing your exact numeric digits from /app?asset=XLM#deposit-xlm and nothing else. Do not add spaces, account names, or notes into the Memo box, and send plain native XLM only (no muxed M... addresses or issued Stellar tokens).

10 XLM test withdrawal (~5s finality) and custodial yield disclosures

Submit a 10 XLM test withdrawal first (tiny ~0.005-0.02 XLM fee, ~5-second Stellar ledger finality once broadcast on stellar.expert), confirm automatic credit in XORA, and then send your remaining XLM balance. Where enabled, XORA quotes up to 15% variable XLM pilot APY value with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Binance vs Uphold vs XORA Stellar XLM transfer comparison

CheckBinance (Spot Withdrawal)Uphold (Transact -> Stellar)XORA XLM rail
Required networkXLM - Stellar Network (never BEP20)Stellar Crypto Network (G... address)Native Stellar XLM plain payment only
Memo requirementMandatory numeric digits in MEMO fieldMandatory numeric digits in Memo fieldMEMO_ID or exact digits MEMO_TEXT required
Fee & finality~0.02 XLM fee (~5s after broadcast)Small network fee (~5s after broadcast)$0 XORA deposit fee
Test send & yield10 XLM test send first10 XLM test send firstUp to 15% variable XLM APY where enabled
⚠ Native Stellar network + mandatory numeric XORA Memo required

Select the native Stellar Network (G... address, never BNB Smart Chain BEP20) and enter your exact numeric XORA Memo. Stellar does not reject untagged transfers on-chain, so skipping the Memo quarantines your XLM for manual recovery.

Checklist

  1. Open /app?asset=XLM#deposit-xlm in XORA and copy both XORA's Stellar G... deposit address and your numeric Memo.
  2. On Binance (redeem Simple Earn -> Spot Wallet -> Withdraw XLM) or Uphold (Transact -> From XLM -> To Stellar Network), start an external XLM transfer.
  3. Confirm the network is native Stellar (G... address, never BNB Smart Chain BEP20).
  4. Paste XORA's G... address and enter your exact numeric XORA Memo in the dedicated Memo input.
  5. Approve a 10 XLM test transfer with passkey/2FA and wait ~5 seconds after broadcast.
  6. Verify the 10 XLM test credits in XORA, then transfer your remaining XLM with the identical G... address and numeric Memo.

Frequently Asked Questions

Can I withdraw XLM from Binance over BNB Smart Chain (BEP20) to save fees?

No. Native Stellar fees on Binance are already fractions of a cent (~0.02 XLM), and BEP-20 XLM is a wrapped BNB Chain token on 0x... addresses that cannot be sent to or credited on XORA's native Stellar G... rail.

What if Binance or Uphold lets me submit an XLM withdrawal with an empty Memo?

Unlike XRP's RequireDest flag, Stellar cannot block untagged payments at the protocol level, so an empty Memo still settles on-chain and lands unattributed in XORA's pooled Stellar account. Save your 64-character Stellar TXID and contact XORA support for manual recovery.

Why is Uphold blocking my external Stellar network send right after a bank deposit?

Uphold places a temporary settlement cooldown on funds bought via US ACH bank transfer before external crypto network withdrawals unlock; debit card or wire-settled XLM withdraws immediately.

Can I type 'XORA 123456' in the Memo field?

No. Enter ONLY the exact numeric digits shown on /app?asset=XLM#deposit-xlm with zero words or spaces so XORA's automated Stellar attribution matches your account.

Sources

Next

Open /app?asset=XLM#deposit-xlm, copy XORA's Stellar G... address and your numeric Memo, send a 10 XLM test withdrawal from Binance or Uphold first, and confirm credit in XORA. Rates are variable and not guaranteed.

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