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

Deposit XLM from Bybit and OKX to XORA (2026)

By XORA · Published · Updated

Withdraw Stellar Lumens (XLM) from Bybit or OKX Funding Accounts to XORA on native Stellar mainnet with your mandatory numeric XLM Memo and a 10 XLM test.

Short answer

To deposit Stellar Lumens (XLM) from Bybit or OKX into XORA, open /app?asset=XLM#deposit-xlm and copy BOTH XORA's pooled Stellar G... deposit address and your mandatory numeric XLM Memo. Move XLM from Unified Trading / Trading or Earn into your Bybit or OKX Funding Account first, select the native 'XLM / Stellar Lumens' network, keep 'No Tag/Memo' unchecked, and send a 10 XLM test withdrawal 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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Moving XLM into your Bybit Funding or OKX Funding Account

Both Bybit and OKX require XLM to sit in your Funding Account before starting an external on-chain withdrawal. Transfer XLM out of Bybit Unified Trading Account (UTA) or Bybit Savings into Bybit Funding, or out of OKX Trading / Simple Earn into OKX Funding ($0 internal transfer fee, instant).

Selecting native Stellar Lumens (G...) and keeping 'No Tag/Memo' OFF

Open On-Chain Withdrawal for XLM, select the native 'XLM / Stellar Lumens' network matching XORA's G... address, and paste your exact numeric XORA Memo into the Tag/Memo input. Never tick Bybit's 'No Tag/Memo' checkbox or leave OKX's Memo field blank: Stellar validates memo-less transfers on-chain, so an omitted Memo lands unattributed in XORA's pooled Stellar account.

Strict numeric Memo formatting (MEMO_ID / exact digits only)

XORA's Stellar watcher attributes pooled G... deposits from MEMO_ID or MEMO_TEXT containing ONLY your exact numeric digits shown on /app?asset=XLM#deposit-xlm. Do not include labels, spaces, or prefixes in the Tag/Memo box, and send plain native XLM only (no muxed M... addresses or Stellar issued tokens).

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

Approve a 10 XLM test withdrawal first (~0.01-0.02 XLM exchange fee, ~5-second Stellar ledger finality once broadcast on stellar.expert), confirm automatic credit inside XORA, and then send your remaining XLM using the identical G... address and numeric Memo. 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.

Bybit vs OKX vs XORA Stellar XLM transfer comparison

CheckBybit (Funding Account)OKX (Funding Account)XORA XLM rail
Account prepTransfer UTA / Savings -> Funding ($0)Transfer Trading / Earn -> Funding ($0)Copy G... + Memo at /app?asset=XLM#deposit-xlm
Required networkXLM (Stellar Lumens G...)XLM - Stellar Lumens (G...)Native Stellar XLM plain payment only
Memo requirementMandatory numeric Tag/Memo (No Memo OFF)Mandatory numeric Tag/Memo digitsMEMO_ID or exact digits MEMO_TEXT required
Fee & test speed10 XLM test (~5s after broadcast)10 XLM test (~5s after broadcast)$0 XORA deposit fee; up to 15% variable XLM APY where enabled
⚠ Native Stellar network + mandatory numeric XORA Memo required

Select native XLM / Stellar Lumens (G... address) on Bybit or OKX, never check 'No Tag/Memo', and enter your exact numeric XORA Memo from /app?asset=XLM#deposit-xlm.

Checklist

  1. Open /app?asset=XLM#deposit-xlm in XORA and copy both XORA's Stellar G... deposit address and your numeric Memo.
  2. Transfer XLM from Trading / UTA or Earn into your Bybit or OKX Funding Account ($0 internal transfer).
  3. Open Withdraw -> XLM -> On-Chain and select the native XLM / Stellar Lumens network.
  4. Paste XORA's G... address, keep 'No Tag/Memo' unchecked, and paste your exact numeric XORA Memo digits.
  5. Approve a 10 XLM test withdrawal with Passkey / 2FA and wait ~5 seconds after broadcast.
  6. Confirm the 10 XLM test credits in XORA, then transfer your remaining XLM with the identical G... address and numeric Memo.

Frequently Asked Questions

Why did Bybit ask me to confirm a 'No Tag/Memo' checkbox on XLM?

Some self-custody Stellar wallets do not require a memo, so exchanges display a 'No Tag/Memo' option. Never check that box when sending to XORA: XORA uses a shared Stellar G... treasury and requires your unique numeric Memo to credit your account automatically.

Why does OKX show 0 available XLM on the withdrawal screen?

Move your XLM from your OKX Trading Account or Simple Earn flexible savings into your OKX Funding Account first ($0 fee, instant) so it becomes eligible for on-chain Stellar withdrawal.

What happens if I send XLM from Bybit or OKX without my numeric XORA Memo?

The XLM arrives in XORA's pooled Stellar G... account without automatic user attribution and is quarantined for manual review. Copy your 64-character Stellar transaction hash from Bybit/OKX or stellar.expert and contact XORA support.

How fast do XLM withdrawals from Bybit and OKX reach XORA?

Once Bybit or OKX broadcasts the transaction on-chain (typically 1-3 minutes), Stellar mainnet settles in roughly 5 seconds and XORA credits valid numeric-memo deposits automatically.

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 Bybit or OKX first, and confirm credit in XORA. Rates are variable and not guaranteed.

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