> For the complete documentation index, see [llms.txt](https://help.enterprise.ledger.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.enterprise.ledger.com/help-center-v2/reference/networks/stellar.md).
# Stellar (XLM)
Stellar (XLM) on Ledger Enterprise: memos, the four memo types, and when you must include one.
## How Stellar differs
Stellar uses a **minimum balance** model. An Account cannot hold a zero balance. The network locks a multiple of the base reserve in every Account, and locks one more multiple for each entry the Account holds.
The locked amount is not a fee and it is not spendable. It reduces the available balance for as long as the Account exists.
Payments also carry an optional **memo**, which identifies the payee inside an address that many customers share.
For the protocol itself, see the [Stellar developer documentation](https://developers.stellar.org/).
## Token coverage
Ledger Enterprise supports **XLM only** on Stellar. Issued assets and trust lines are not supported.
## Minimum balance
The network sets the base reserve, not Ledger Enterprise. It can change by protocol vote.
The minimum balance is `(2 + number of entries) x base reserve`, where the base reserve is **0.5 XLM**. A plain Account therefore locks **1 XLM**.
> **Note:** The base reserve was checked against developers.stellar.org on 16 September 2026. It can change by protocol vote.
Because assets and trust lines are not supported here, an Account normally holds no entries beyond the minimum.
## Memos
A memo carries extra information with a Stellar payment. Exchanges and custodians use it to identify **who** a payment is for, inside an address that many customers share.
The memo is optional in the transaction form. Choose a **memo type** first, then enter the value.
Type
What it holds
Text
Up to 28 bytes of text
ID
A whole number. The form checks the upper limit
Hash
A transaction ID
Return
A transaction ID, used to return a payment to its sender
**Text** and **ID** are the ones recipients normally ask for. Use the type your recipient specifies, not the one that looks closest.
> **Warning:** If your recipient asks for a memo, you must include it, with the right type. A payment that arrives without the memo reaches the right address but cannot be matched to your Account. Recovering it means contacting the recipient's support team.
Take the memo and its type from the recipient at the same time as the address.
> **Note:** 28 bytes is not the same as 28 characters. Accented and non-Latin characters use more than one byte each. If a text memo is rejected as too long, this is usually why.
## Related
* [**Sending assets**](/help-center-v2/guides/transactions/sending-assets.md)
* [**Networks**](/help-center-v2/reference/networks.md)
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