Deposit XLM from MEXC and HTX to XORA (2026)
Withdraw native Stellar Lumens (XLM) from MEXC or HTX to XORA with your mandatory numeric XLM Memo, native Stellar G... network check, and a 10 XLM test send.
To deposit Stellar Lumens (XLM) from MEXC or HTX (formerly Huobi) into XORA, open /app?asset=XLM#deposit-xlm in XORA and copy BOTH XORA's Stellar mainnet deposit address (G...) and your mandatory numeric XLM Memo. Move your XLM out of Futures, Margin, or Earn accounts into your MEXC Spot Account or HTX Spot Account, select the native Stellar (XLM) mainnet network (never BNB Smart Chain BEP-20 or legacy HECO wrappers), keep any 'No Memo' or 'Without Memo' toggle OFF, and send a 10 XLM test withdrawal first (~5-second Stellar finality after broadcast). Where enabled, XORA credits up to 21% variable XLM APY value (15% native XLM plus ~6% estimated XORA reward value) with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.
Direct rails: XRP · RLUSD · BTC · XLM · TRX · RLUSD on XRPL
Withdrawing native Stellar XLM from MEXC (Futures / Savings -> Spot Account)
In MEXC, transfer any XLM out of your Futures Wallet or MEXC Flexible Savings into your Spot Account, then open Wallets -> Withdraw -> XLM -> On-Chain Withdrawal. Explicitly choose the native 'XLM (Stellar)' mainnet network (never BNB Smart Chain BEP-20), paste XORA's Stellar G... address from /app?asset=XLM#deposit-xlm, enter your exact numeric XORA XLM Memo while keeping 'No Memo' unchecked, and approve via email OTP and Authenticator / Passkey 2FA.
Withdrawing native Stellar XLM from HTX (HTX Earn / Futures -> Spot Account)
In HTX, redeem any XLM from HTX Earn or transfer off Futures/Margin into your Spot Account, then open Assets -> Withdraw -> XLM. Select the native 'XLM' Stellar mainnet network (never cross-chain BEP-20 or HECO tokens), paste XORA's G... address, enter your mandatory numeric XORA XLM Memo without checking 'No Tag / No Memo', and confirm via Passkey / 2FA and email/SMS verification.
Why BEP-20 wrappers and blank Stellar Memos fail automatic XORA credit
XORA's /app?asset=XLM#deposit-xlm rail operates on a shared institutional Stellar mainnet G... account. Wrapped BEP-20 tokens settle on BNB Smart Chain (0x...) rather than Stellar and cannot credit XORA's Stellar account, while a native Stellar payment sent with a blank or mistyped numeric Memo settles into XORA's pooled G... wallet without automatic user attribution and requires manual support verification using your 64-character Stellar tx hash.
10 XLM test send (~5s finality) and custodial XLM yield disclosures
Broadcast a 10 XLM test withdrawal first, verify settlement on stellar.expert (~5 seconds once MEXC or HTX broadcasts), and confirm the 10 XLM test credits inside XORA before transferring larger XLM balances. Hosted exchanges deduct a tiny flat XLM fee from the withdrawal, so no personal 1 XLM wallet reserve applies on MEXC or HTX. Where enabled, XORA quotes up to 21% variable XLM 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.
MEXC vs HTX vs XORA Stellar XLM transfer comparison
| Check | MEXC (Spot On-Chain) | HTX (Spot Account) | XORA XLM rail |
|---|---|---|---|
| Required network | XLM - Stellar mainnet (never BEP-20) | XLM Stellar mainnet (never BEP-20/HECO) | Native Stellar Lumens (G...) only |
| Stellar Memo | Mandatory numeric Memo (No Memo OFF) | Mandatory numeric Memo (No Tag OFF) | Unique numeric XLM Memo at /app?asset=XLM#deposit-xlm |
| Account prep & auth | Futures/Savings -> Spot + email OTP + 2FA | HTX Earn/Futures -> Spot + Passkey/2FA | $0 XORA deposit fee |
| Test send & yield | 10 XLM test (~5s after broadcast) | 10 XLM test (~5s after broadcast) | Up to 21% variable XLM APY value where enabled |
XORA uses a pooled Stellar treasury account at /app?asset=XLM#deposit-xlm. Always select native Stellar (XLM) on MEXC or HTX (never BEP-20 or HECO), keep No Memo unchecked, and paste BOTH XORA's G... address AND your numeric XLM Memo.
Checklist
- Open /app?asset=XLM#deposit-xlm in XORA and copy both XORA's Stellar G... deposit address and your mandatory numeric XLM Memo.
- Transfer your XLM into your MEXC Spot Account or HTX Spot Account so it is unlocked for on-chain withdrawal.
- Open XLM On-Chain Withdrawal and select native Stellar (XLM) mainnet (never BEP-20 or HECO).
- Paste XORA's G... address, enter your exact numeric XLM Memo, and keep any No Memo / Without Memo checkbox OFF.
- Approve a 10 XLM test withdrawal via email OTP and 2FA/Passkey, then verify settlement on stellar.expert.
- Confirm the 10 XLM test credits in XORA (~5 seconds after broadcast), then withdraw your remaining XLM with the identical G... address and numeric Memo.
Frequently Asked Questions
Can I withdraw XLM over BNB Smart Chain (BEP-20) from MEXC or HTX to XORA?
No. XORA's /app?asset=XLM#deposit-xlm address is a native Stellar mainnet G... account and cannot credit BEP-20 or EVM wrapped tokens. Always select native XLM (Stellar mainnet).
What happens if I check 'No Memo' when withdrawing XLM from MEXC or HTX?
Stellar settles the XLM into XORA's shared G... treasury in ~5 seconds without automatic user attribution. Contact XORA support with your 64-character Stellar transaction hash and exact amount for manual ownership verification.
Why does MEXC or HTX show 0 available XLM on the withdrawal screen?
Your XLM is likely sitting inside Futures margin, Copy Trading, MEXC Savings, or HTX Earn. Transfer or redeem it into your Spot Account first (free instant internal transfer).
Are XLM balances on MEXC, HTX, or XORA FDIC or SIPC insured?
No. Neither MEXC, HTX, nor XORA is a bank, and none provides FDIC or SIPC insurance. XORA is a custodial crypto neobank whose published XLM rates (up to 21% variable XLM APY value where enabled) are variable and not guaranteed.
Sources
- Stellar Developer Docs: Memos and Pooled Exchange Accounts
- MEXC Support Center: On-Chain Crypto Withdrawal Guide
- HTX Support Center: Stellar (XLM) Withdrawal & Memo Rules
- XORA XLM Yield Rates & Disclosures
- XORA Security and Solvency Architecture
Next
Open /app?asset=XLM#deposit-xlm, copy both XORA's Stellar G... address and your numeric XLM Memo, send a 10 XLM test withdrawal from MEXC or HTX first, and verify credit in XORA. Rates are variable and not guaranteed.
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