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

Deposit XLM from LOBSTR and Freighter to XORA (2026)

By XORA · Published · Updated

Send native Stellar XLM from LOBSTR or Freighter Wallet to XORA with mandatory Stellar Memo verification, 1 XLM reserve math, and a 10 XLM test send.

Short answer

To deposit native Stellar Lumens (XLM) from LOBSTR (mobile or web wallet) or Freighter (Stellar browser extension and mobile wallet) into XORA, open /app#deposit-xlm, copy both XORA's Stellar mainnet G... address and your mandatory Stellar Memo, convert any issued yXLM token back to native XLM first, and confirm a 10 XLM test transfer (~5 seconds finality).

Deposit XLM Calculate XLM yield Reserve @handle Creator Bounties

Direct rails: XRP · RLUSD · BTC · XLM · TRX · RLUSD on XRPL

Native XLM vs LOBSTR yXLM (Ultra Capital issued token)

Inside LOBSTR, many Stellar holders swap XLM into yXLM (an anchor-issued SEP-24 credit token by Ultra Capital that advertises variable single-digit APY). XORA's Stellar deposit rail credits native protocol XLM only, never yXLM, AQUA, or Stellar USDC. If you hold yXLM in LOBSTR, swap or redeem yXLM into native XLM on the Stellar DEX before sending to XORA.

Mandatory Stellar Memo verification in LOBSTR and Freighter

XORA uses a shared Stellar mainnet G... treasury account and routes incoming XLM by your account's Stellar Memo (the exact Stellar counterpart of an XRPL Destination Tag). Both LOBSTR and Freighter detect known shared deposit addresses and display a Memo input field; paste your exact Memo from /app#deposit-xlm and double-check that Memo Type matches (Text / ID as displayed in XORA).

Stellar 1 XLM base reserve + 0.5 XLM subentry math

Stellar mainnet enforces a minimum account balance of 1 XLM (two 0.5 XLM base reserves) plus 0.5 XLM for every trust line (such as yXLM, USDC, or AQUA), open DEX offer, or signer subentry. Leave your required XLM reserve inside LOBSTR or Freighter (or close unused zero-balance trust lines to reclaim 0.5 XLM each) when sizing your transfer.

Variable XLM custodial yield, treasury queueing, and risk disclosures

Where enabled, XORA quotes up to 21% variable APY value on native Stellar XLM with ~5-second Stellar settlement and < $0.001 network fee (100 stroops base fee). XLM yield settles from XORA's pooled treasury subject to solvency and reconciliation headroom, is variable and not guaranteed, and carries custodial counterparty risk (not a bank, not FDIC or SIPC insured).

LOBSTR and Freighter native XLM transfer overview

ItemLOBSTR WalletFreighter WalletXORA XLM rail
Accepted assetNative XLM (swap yXLM -> XLM first)Native XLM on Stellar MainnetNative XLM only (no yXLM / USDC)
Stellar MemoMandatory Memo field requiredMandatory Memo field requiredRequired for automatic credit
Wallet reserve1 XLM base + 0.5 XLM per trust line1 XLM base + 0.5 XLM per subentry$0 XORA deposit fee (~0.00001 XLM net)
Settlement~5 seconds on Stellar Mainnet~5 seconds on Stellar MainnetSend 10 XLM test transfer first
⚠ Stellar Memo required

Always copy and paste BOTH XORA's Stellar G... deposit address AND your account's required Stellar Memo from /app#deposit-xlm. Send native XLM only (never yXLM or Stellar USDC/AQUA tokens) so your deposit attributes automatically.

Checklist

  1. If your balance in LOBSTR is held as yXLM, swap yXLM back into native XLM first so you are sending native Lumens.
  2. Open /app#deposit-xlm in XORA and copy both XORA's Stellar G... deposit address and your required Stellar Memo.
  3. Open LOBSTR or Freighter (ensuring Freighter is set to Stellar Public / Mainnet, never Testnet) and choose Send XLM.
  4. Paste XORA's G... address and paste your exact Stellar Memo into the Memo input field.
  5. Send a 10 XLM test transfer while keeping at least 1 XLM (+ 0.5 XLM per active trust line) in your wallet for Stellar's minimum balance.
  6. Confirm the 10 XLM test credit appears in XORA (~5 seconds), then transfer your remaining native XLM with the identical address and Memo.

Frequently Asked Questions

Can I send yXLM directly from LOBSTR to XORA?

No. yXLM is an anchor-issued Stellar token rather than native XLM, and sending issued Stellar assets to XORA's XLM address will not credit your account. Swap yXLM to native XLM inside LOBSTR first, then send native XLM with your Stellar Memo.

What happens if I forget the Stellar Memo in Freighter or LOBSTR?

An XLM transfer sent without your account's Stellar Memo arrives in XORA's shared Stellar account without user attribution and requires manual support recovery using your Stellar transaction hash.

Why won't LOBSTR or Freighter let me send my last 1.5 or 2 XLM?

Stellar requires 1 XLM base reserve plus 0.5 XLM for every trust line (for example USDC, AQUA, or yXLM) or open DEX offer. Removing unused zero-balance trust lines frees 0.5 XLM per trust line above the 1 XLM base minimum.

How does XORA's XLM yield compare with yXLM and is it insured?

yXLM is an Ultra Capital anchor-issued Stellar token, whereas XORA is a custodial multi-asset neobank quoting up to 21% variable XLM APY value where enabled (/xlm-yield-rates). Both involve issuer or custodial counterparty risk; XORA rates are variable, not guaranteed, and not FDIC or SIPC insured.

Sources

Next

Open /app#deposit-xlm, copy both XORA's Stellar G... address and your required Stellar Memo, and verify a 10 XLM native test transfer before sending larger balances. Rates are variable and not guaranteed.

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