A memo is a combination of digits and letters required to assign Stellar to a certain Stellar wallet user. Memos are used in Stellar and EOS wallets and indicated right here. if you want to buy XLM, make sure that you've specified a correct memo while putting in a wallet address.
A message is an additional tag that is obligatory for certain XEM wallets. When you send or receive XEM, make sure that you input a message if required.
A destination tag is a short complementary combination of characters required for certain XRP wallets. When buying XRP, make sure that you have specified a destination tag, if required. Likewise, when you send XRP to us, do not forget to include the destination tag, provided near the address you should send to.