MEMO, Destination Tag или комментарий к платежу - это дополняющая опция адреса в реквизитах, которую необходимо заполнить. У определенных кошельков, это обязательное условие для получения средств именно вами.
A wallet can be compared to an electronic wallet or a "private" current account. Such storage allows you to make transfers in cryptocurrency and receive digital money.
Cryptocurrency systems are secure enough for the user, and the risks when working with them are minimal. However, sometimes incidents happen, and you can take additional measures to protect your account.