Forgot the Memo or Comment When Sending GRAM or USDT to an Exchange? How to Get Your Deposit Credited

Your GRAM (formerly Toncoin) or USDT is almost certainly not lost on-chain: it reached the exchange's shared deposit address, but without the memo (called the comment on TON) the exchange cannot tell which account it belongs to. No wallet, block explorer or outside "recovery service" can move it now, because only the exchange can credit it or send it back. As of October 2026, the fix is to copy the transaction hash (TXID) from Tonviewer and file the exchange's official missing or wrong memo request, expecting a review period, a possible fee and no guaranteed outcome.

Is my deposit lost if I forgot the memo or comment?

Usually no: a deposit without its memo is unattributed, not destroyed. Many exchanges use one pooled (shared) deposit address for all customers on chains such as TON, XRP Ledger, Stellar and Cosmos, and the memo, comment or tag is the only thing that tells them which customer to credit.

A memo-less transfer still confirms and arrives at the exchange's address, but no automatic booking picks it up, so the funds sit with the exchange. Per Ellipal's support documentation, a confirmed transaction cannot be reversed and only the exchange can credit the deposit; Keeper (formerly Tonkeeper) says the same for TON.

This differs from sending on the wrong network: the chain was correct and only the identifier is missing. For the wrong-chain case, read how to recover crypto sent on the wrong network.

Which chains use a memo, tag or comment?

Chains where an exchange uses one shared deposit address need an identifier; chains with unique per-user addresses normally do not. If the exchange's deposit screen shows a memo, tag or comment field, it is mandatory for that deposit.

Network	What the field is called	Format	Typical exchange deposit model	Supported by WATS Wallet?
TON	Comment (sometimes shown as memo)	Free text stored on-chain	Shared address plus comment at many exchanges	Yes (GRAM and jettons)
XRP Ledger	Destination tag	32-bit unsigned integer	Shared address plus tag	No (context only)
Stellar (XLM)	Memo, usually a memo ID	Memo ID or text	Shared account plus memo	No (context only)
Cosmos Hub (ATOM)	Memo	Text	Shared address plus memo	No (context only)
EVM networks and Solana	Usually no memo for exchange deposits (follow the deposit screen)	Not applicable	Normally a unique deposit address per user	Yes

On Stellar, SEP-29 lets an exchange flag its account as requiring a memo, so updated wallets refuse to send a memo-less payment to it. The table describes common practice, not every exchange: some have moved TON deposits to unique addresses, so the deposit screen is the only reliable guide.

Why do GRAM deposits trip people up in 2026?

TON's coin was renamed from Toncoin to GRAM on 2026-06-15, and some exchange screens and older guides still say "TON". That mismatch makes people second-guess the asset and skip the comment field. The change needed no swap or migration, so any message telling you to "migrate your GRAM" is a scam. See what changed when Toncoin became GRAM.

The comment applies to GRAM and, at exchanges that use comment-based deposits, to jettons such as USDT on TON. According to the TON documentation, an exchange identifies a jetton deposit either by an invoice ID in the transfer's forward payload or by a unique deposit wallet per user. If jettons are new to you, see how ERC-20, SPL and jetton tokens differ.

The TON comment is public: anyone can read it on Tonviewer, so enter only the exchange's memo, never personal data.

Step 1: How do I find my transaction on Tonviewer?

Open the sent transaction from your wallet's history, or paste your own address into tonviewer.com. Check that the status is successful, the recipient is the exchange's deposit address, the amount and asset (GRAM or the USDT jetton) are right, and the comment is empty or wrong. Then copy the transaction hash (TXID). Binance's form says to paste only the TXID in its TXID field, not addresses or UIDs. To read the page, see how to read a block explorer.

Step 2: What details will the exchange ask for?

Expect to provide the transaction facts plus proof the account is yours. Collect these before opening the form:

• The asset (GRAM or USDT on TON), the network (TON) and the exact amount (Binance asks for up to 8 decimals).
• The date and time in UTC, the TXID, your sending address and the exchange deposit address.
• The memo you should have used, copied from your deposit page.
• Your account UID or email, and a screenshot of the sent transaction.

Binance.US also asks for a screenshot from the sending wallet, and KuCoin requires the transaction to show as confirmed on-chain.

Step 3: Where do I file the recovery request?

File it through the exchange's official self-service form or support ticket, opened from the official app or site while logged in, never from a link in a message. Fees differ, so these are examples from each help page as of October 2026; policies change:

• Binance: has an application to retrieve a deposit with a wrong or missing tag or memo. Its FAQ's examples of eligible coins (BNB, XRP, XLM, ATOM and others) do not name TON or GRAM, so check whether your asset is covered and otherwise open a support ticket. The FAQ says the service fee equals the coin's transaction fee and the deposit returns to the original sender's address. It dates from 2020, so recheck the live page.
• Binance.US: its Deposit Recovery tool, which covers networks Binance.US supports, charges a 5% processing fee for memo-less deposits and typically takes a few business days (help article dated 2026-06-03).
• KuCoin: self-service covers more than 40 memo coins such as ATOM, XRP and XLM, and other cases go to support. The fee is shown on the application and paid in USDT from the Funding Account, with completion within 5 working days after payment (page updated 2026-07-13). The page does not name TON in its self-service list.
• MEXC: uses an Uncredited Crypto Deposit form, may charge a handling fee shown on the page, and states it cannot guarantee 100% recovery.

The Binance and KuCoin help pages do not name TON or GRAM as covered, so if a form does not accept your asset, open a support ticket with the same details.

Ellipal's documentation says review can take from days to several weeks depending on the exchange. Some exchanges return the funds to the sending address instead of crediting your account. That works when you sent from a self-custody wallet you control; if you sent from another exchange, the return goes to that exchange and you must open a ticket there too. If you typed a wrong memo rather than none, file the same request with both memos; if the wrong memo belongs to another customer, recovery can be harder, so ask the exchange and do it quickly. Each exchange above has a process, but recovery is never guaranteed.

How do I avoid fake "recovery" support?

Treat anyone who contacts you first about a missing memo deposit as a scammer. Fake support agents watch missing-memo posts on X, Telegram, Reddit and forums. They message you directly, ask for your seed phrase, ask you to "connect your wallet to sync", or demand an upfront fee.

No legitimate exchange or wallet asks for a seed phrase to fix a deposit. The US Federal Trade Commission's guidance on refund and recovery scams is blunt: never pay upfront for a refund or for help getting one. For the warning signs, see how to spot crypto phishing.

How do I avoid missing the memo again, and where does WATS Wallet fit?

Five habits prevent most memo mistakes:

1. Copy and paste the memo from the deposit page; never type it.
2. Copy the memo fresh from the deposit page each time rather than from old notes or a previous transfer, in case it has changed.
3. Send a small test amount first and wait for it to be credited.
4. Match the network label (TON) and the asset (GRAM versus USDT on TON).
5. If the deposit screen shows a memo, tag or comment field, treat it as mandatory.

WATS Wallet is non-custodial and supports TON, so you can send GRAM and TON jettons such as USDT to exchanges from it, and the memo rules above apply to any wallet you send from. Like any self-custody wallet, it cannot cancel, reverse or recover a confirmed deposit: WATS never holds your keys and has no control over an exchange's account. If an exchange returns funds to the sending address, they go back to your own wallet. WATS will never ask for your seed phrase, and no one from WATS can recover an exchange deposit for you. Treat any unsolicited message claiming otherwise as a scam.

EVM networks and Solana, which WATS Wallet also supports (see supported chains), normally use unique exchange deposit addresses with no memo. On EVM networks, WATS Wallet charges actions in ATS from one ATS balance on BSC, tracking live network cost, as explained on the ATS fee page. TON transfers pay their network fee in GRAM and Solana in SOL.