Destination Tag (Memo) is tbe additional identifier of your wallet or account. It is used to ensure funds are accurately addressed, especially in cases where exchanges provide a shared wallet for users. Memo or Destination Tag allows the exchange to distribute received funds to your account. If you do not specify a Memo or Destination Tag, your funds may go to the exchange wallet, but will not be directly transferred to your account. Make sure you provide the correct Payment ID, Memo or Destination Tag when making transactions such as EOS, Ripple (XRP), Stellar Lumens (XLM), Binance Coin (BNB) or Monero (XMR).