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

Deposit XLM from Solar Wallet and Beans to XORA (2026)

By XORA · Published · Updated

Send native XLM from Solar Wallet or Beans App to XORA on Stellar mainnet with your mandatory Stellar Memo and a 10 XLM test send first.

Short answer

To deposit native Stellar Lumens (XLM) from Solar Wallet (desktop/mobile single-sig or Stellar multisig) or Beans App into XORA, convert any Stellar USDC, EURC, or issued tokens into native XLM first, open /app#deposit-xlm to copy XORA's Stellar mainnet G-address and your mandatory Memo, keep at least 1 XLM base reserve (+ 0.5 XLM per trust line) in your wallet, and verify a 10 XLM test transfer (~5s finality).

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Converting Stellar USDC/EURC or DEX assets to native XLM first

Beans App frequently denominates everyday balances in Stellar USDC, EURC, or local currency anchors, while Solar Wallet supports Stellar DEX trust lines and multi-signature vaults. XORA's Stellar rail (/app#deposit-xlm) credits native Stellar Lumens (XLM) only. Swap any issued Stellar tokens (USDC, EURC, yXLM, AQUA) into native XLM before sending to XORA.

Mandatory Stellar Memo verification in Solar Wallet and Beans

XORA routes Stellar deposits through a shared G-address where your account is identified strictly by your Stellar Memo shown on /app#deposit-xlm. In Solar Wallet (including multisig co-signer proposals) and Beans App external crypto withdrawals, paste the exact Memo into the Memo field before signing. Never send native XLM to XORA with an empty Memo.

Stellar 1 XLM base reserve and 0.5 XLM subentry math

Stellar mainnet enforces a minimum balance of 1 XLM (two 0.5 XLM base reserves) plus 0.5 XLM for every active trust line, open DEX offer, or extra multisig signer on your Solar or Beans account. Leave enough XLM above your reserve floor plus the tiny 0.00001 XLM (~100 stroops) base network fee so your payment does not fail with op_underfunded.

0% native Stellar holding vs XORA variable XLM yield disclosures

Stellar's SCP consensus pays 0% native staking inflation on XLM held in Solar Wallet, while third-party Earn balances in Beans rely on external partner protocols. Where enabled, XORA publishes up to 21% variable XLM APY value at /xlm-yield-rates and /api/agent/facts with $0 XORA deposit fee. Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Solar Wallet and Beans App native XLM transfer checklist

ItemSolar WalletBeans AppXORA Stellar rail
Accepted assetNative XLM (swap DEX tokens first)Native XLM (convert USDC/EURC first)Native XLM only (/app#deposit-xlm)
Stellar MemoRequired in Memo field (check on co-signers)Required in external Stellar send MemoMandatory Memo attribution
Wallet reserveKeep 1 XLM + 0.5 XLM per trust line/signerAccount reserve / fee sponsored or 1 XLM$0 XORA deposit fee (~100 stroops network)
Settlement & test10 XLM test send (~5s SCP finality)10 XLM test send (~5s SCP finality)Verify credit before larger transfer
⚠ Stellar Memo required

Always attach your exact XORA Stellar Memo from /app#deposit-xlm when sending native XLM from Solar Wallet or Beans App. A Stellar transfer without a Memo lands unattributed and requires manual recovery.

Checklist

  1. Open /app#deposit-xlm in XORA and copy both XORA's Stellar mainnet G-address and your account's mandatory Stellar Memo.
  2. In Solar Wallet or Beans App, swap any Stellar USDC, EURC, or yXLM balance you wish to move into native XLM first.
  3. Initiate an external Stellar XLM send, paste XORA's G-address, and paste your exact XORA Memo into the Memo field.
  4. Enter a 10 XLM test amount while leaving at least 1 XLM + 0.5 XLM per trust line/signer in a non-sponsored Stellar wallet.
  5. Sign the transaction (completing any Solar multisig quorum signatures or Beans biometric confirmation) and wait ~5 seconds for XORA credit.
  6. Once the 10 XLM test deposit appears in XORA, send your remaining native XLM allocation using the identical G-address and Memo.

Frequently Asked Questions

Can I send Stellar USDC or EURC directly from Beans App to XORA?

No. XORA's Stellar rail (/app#deposit-xlm) credits native XLM only (and RLUSD is supported on native XRP Ledger at /app#deposit-rlusd, not Stellar). Convert USDC or EURC to native XLM before withdrawing to XORA.

Do Solar Wallet multisig accounts work with XORA deposits?

Yes. Once all required Stellar co-signers sign the Payment operation in Solar Wallet with XORA's G-address and your exact Memo, XORA credits the native XLM normally within ~5 seconds.

What happens if I omit the Stellar Memo when sending from Solar or Beans?

Without your Memo, XORA cannot automatically match the incoming XLM on its shared Stellar G-address to your account, requiring manual support recovery with your Stellar transaction hash.

How does XORA's XLM rate compare with holding XLM in Solar Wallet?

Solar Wallet provides non-custodial key control at 0% protocol yield, whereas XORA is a custodial neobank quoting variable, non-guaranteed XLM yield (currently up to 21% APY value where enabled) with counterparty risk and no FDIC/SIPC insurance.

Sources

Next

Open /app#deposit-xlm, copy XORA's Stellar G-address and your mandatory Memo, verify native XLM (never USDC or EURC) in Solar Wallet or Beans App, and confirm a 10 XLM test send first. Rates are variable and not guaranteed.

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