Updated 2026-10-31 · 6 min read · Guide

Deposit XLM from Ledger and Trezor to XORA (2026)

By XORA · Published · Updated

Send native Stellar XLM from Ledger Live or Trezor (Stellar Account Viewer) to XORA with your mandatory Stellar Memo, 1 XLM reserve check, and 10 XLM test.

Short answer

To deposit Stellar Lumens (XLM) from a Ledger (Ledger Live) or Trezor (via Stellar Account Viewer or Trezor-compatible Stellar wallets) into XORA, open /app#deposit-xlm and copy both XORA's Stellar mainnet G... deposit address and your mandatory Stellar Memo. Keep at least 1 XLM base reserve (+ 0.5 XLM per trustline or subentry) in your hardware Stellar account, verify both the G... address and Memo on your physical hardware screen for a 10 XLM test transfer (~5s finality), and confirm credit before sending larger amounts.

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Sending Stellar XLM from Ledger Live and Trezor (Stellar Account Viewer)

Ledger Nano S Plus, Nano X, Stax, and Flex support native Stellar (XLM) directly inside Ledger Live once the Stellar app is installed on the device. Trezor Safe 3, Safe 5, and Model T sign native Stellar transactions via Stellar Account Viewer (accountviewer.stellar.org) or compatible Stellar interfaces using WebUSB / Trezor Connect, displaying the recipient G... address, XLM amount, and Stellar Memo on the physical Trezor screen.

Mandatory Stellar Memo verification on your hardware display

XORA routes Stellar deposits via a shared Stellar mainnet G... address paired with a unique per-account Memo at /app#deposit-xlm. In Ledger Live, click 'Add Memo' (Memo Text / Memo ID matching XORA's prompt) before continuing; in Stellar Account Viewer with Trezor, toggle 'Add memo' and confirm the exact Memo characters on your hardware screen. Sending XLM without the Memo lands as an unattributed orphan deposit requiring manual recovery.

Stellar 1 XLM base reserve + 0.5 XLM subentry math & native XLM only

Stellar protocol rules lock a minimum reserve of 1 XLM per active account plus 0.5 XLM for each trustline (such as USDC or yXLM), open DEX offer, or extra signer. Leave that reserve in your Ledger or Trezor Stellar account when calculating your send amount, and send native XLM only (never Stellar USDC, AQUA, or yXLM tokens).

0% Stellar protocol inflation vs custodial XLM yield disclosures

Stellar validators disabled protocol inflation in 2019 (CAP-0026), so XLM held on Ledger or Trezor earns 0% native protocol yield while keeping full offline key control. Where enabled, XORA publishes up to 21% variable XLM APY value at /xlm-yield-rates with daily accrual and $0 XORA deposit fee, settled from pooled treasury subject to headroom and reconciliation controls. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Ledger Live vs Trezor Stellar vs XORA XLM deposit checklist

ItemLedger Live (Stellar app)Trezor (Account Viewer)XORA Stellar rail
Asset & networkNative XLM on Stellar MainnetNative XLM on Stellar MainnetNative XLM only (/app#deposit-xlm)
Stellar MemoClick 'Add Memo' & verify on Ledger screenEnable Memo & verify on Trezor screenMandatory per-account Stellar Memo
Account reserveKeep >= 1 XLM + 0.5 XLM per trustlineKeep >= 1 XLM + 0.5 XLM per subentry$0 XORA deposit fee (~0.00001 XLM network fee)
Test transferSend 10 XLM test first (~5s finality)Send 10 XLM test first (~5s finality)Credits automatically when Memo matches
⚠ Mandatory Stellar Memo + verify on hardware screen

Every Stellar XLM deposit to /app#deposit-xlm requires BOTH XORA's Stellar G... address AND your account's exact Stellar Memo, verified on your physical Ledger or Trezor display before signing.

Checklist

  1. Open /app#deposit-xlm in XORA and copy BOTH XORA's Stellar mainnet G... address and your mandatory Stellar Memo.
  2. Connect your Ledger (open the Stellar app in Ledger Live) or Trezor (connect via official Stellar Account Viewer).
  3. Paste XORA's Stellar G... address, enable the Memo field, and paste your exact XORA Stellar Memo.
  4. Enter a 10 XLM test amount while keeping at least 1 XLM (+ 0.5 XLM per trustline) inside your hardware wallet.
  5. Verify the destination G... address, XLM amount, and Stellar Memo directly on your physical Ledger or Trezor screen before approving.
  6. Confirm the 10 XLM test deposit appears in XORA (~5 seconds after broadcast), then transfer your remaining XLM with the identical G... address and Memo.

Frequently Asked Questions

Does Trezor Suite show Stellar (XLM) natively inside the desktop sidebar?

Trezor hardware firmware supports Stellar XLM keys natively, and transactions are signed safely on-device through the official Stellar Account Viewer (accountviewer.stellar.org) using Trezor Connect rather than inside the built-in Trezor Suite coin list.

Why did Ledger Live reject sending my last 1 XLM?

Every active Stellar mainnet account must retain a 1 XLM base reserve plus 0.5 XLM per trustline (e.g., USDC or yXLM) or open DEX offer unless executing an explicit Stellar Account Merge operation (which is often incompatible with memo-routed custodial deposits).

What happens if I send Stellar USDC or yXLM from Ledger to XORA's XLM address?

Do not send Stellar tokens. XORA's /app#deposit-xlm rail credits native XLM only; swap yXLM or Stellar USDC to native XLM before sending.

What if I forgot to click 'Add Memo' in Ledger Live or Stellar Account Viewer?

Without your account's Stellar Memo, XORA cannot automatically attribute the incoming XLM transfer. Contact XORA support with your Stellar transaction hash so the unattributed deposit can be manually verified.

Sources

Next

Open /app#deposit-xlm, copy BOTH XORA's Stellar G... address and your mandatory Stellar Memo, verify a 10 XLM test send on your Ledger or Trezor screen first, and confirm credit in XORA. Rates are variable and not guaranteed.

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