Some networks need a memo, tag, or comment in addition to the wallet address. Without it, your deposit may not be credited automatically.
Always check the deposit screen in the Kolo app before sending funds. If a memo, tag, or comment is shown there, it is required.
What Is a Memo or Tag?
A memo or tag is an extra deposit identifier used by some blockchain networks in addition to the wallet address. It helps match the incoming transaction to your Kolo account. Without the correct memo or tag, the deposit may not be credited automatically.
Which Networks May Require a Memo or Tag?
This is especially important for networks such as:
TON
Stellar
USDT on TON (MEMO must be numeric)
Other networks may also require an additional identifier depending on the deposit setup shown in the app.
Note: In June 2026 the native token of The Open Network was renamed from Toncoin (TON) to Gram (GRAM). Only the token name and ticker changed — the network is still called TON. If your sending wallet or exchange shows the asset as GRAM, select the TON network, and still include the memo/comment exactly as shown in the Kolo app.
How to Use the Memo or Tag
Before sending a deposit:
Copy the wallet address exactly as shown
Copy the memo, tag, or comment exactly as shown
Paste both values into your sending wallet or exchange
Double-check the network before confirming the transfer
Important: The wallet address alone may not be enough for these networks. If a memo or tag is required, both the address and the memo/tag must be entered correctly.
What Happens If the Memo or Tag Is Missing?
If the memo or tag is missing or incorrect:
The deposit may not be credited automatically
Processing may be delayed
Manual review may be required
In some cases, the transfer may be returned to the sender's address
Recovery may not always be possible
Important: Deposits sent with an incorrect address, wrong network, or missing required memo/tag may be delayed, rejected, or permanently lost.
How to Check If a Memo Is Required
You can see whether a memo, tag, or comment is required directly on the deposit screen in the Kolo app. If it is shown in the deposit instructions, you must include it exactly as displayed.
Deposits on the TON network may also require additional time for processing due to security checks, even after blockchain confirmation.
FAQ
Can I use the same memo for every deposit?
Can I use the same memo for every deposit?
No. Always use the memo, tag, or comment shown in your current deposit instructions. Do not reuse an old memo unless the app shows the same value again.
What should I do if I forgot to include the memo?
What should I do if I forgot to include the memo?
If you sent a deposit without the required memo, tag, or comment, contact Support as soon as possible and share the transaction details. Recovery or return depends on the network, sending platform, and transaction status.
For more information about incorrect deposits, recovery conditions, timelines, and fees, see Wrong Deposit Policy.
I entered the memo, but my deposit still has not arrived. What should I check?
I entered the memo, but my deposit still has not arrived. What should I check?
First, make sure:
The correct network was used
The wallet address matches the one shown in Kolo
The memo was entered exactly without changes
The transaction is confirmed on the blockchain
There are no ongoing network incidents or maintenance that might delay processing — you can find live updates in the Support section of the Kolo app
If everything looks correct and the deposit still has not been credited, contact Support.
Can Support credit my deposit automatically if I sent it without a memo?
Can Support credit my deposit automatically if I sent it without a memo?
In such cases, Support may review the deposit manually and, where possible, arrange a refund according to the applicable recovery policy, fees, and minimum amount requirements. For more details, see Wrong Deposit Policy.
Need Help?
If your deposit with a memo hasn't arrived, contact Support and share the TxID, network, address, and memo you used.