The exit route
for Stellar
smart wallets.
[ PASSKEY · MEMO · NO XLM ]
USDC FROM YOUR STELLAR SMART WALLET, DELIVERED TO ANY EXCHANGE WITH ITS MEMO.
Three walls between a smart wallet and an exchange
No memo on a contract call
A transfer out of a smart wallet is a contract call, and the network rejects any memo on it. Portaj sends the last leg as a classic payment, memo attached.
Exchanges don't credit contract transfers
SDF's docs say it plainly. Portaj's final payment is the kind exchanges already credit: a classic USDC payment with the memo.
No XLM for a classic account
Your transit account is created with sponsored reserves and every fee is a fee bump. It holds 0 XLM, before and after.
One passkey prompt · Memo included · Fees paid by Portaj
How it works
The address and memo your exchange shows for a Stellar USDC deposit. If the exchange requires a memo, Portaj won't let you send without one.
Exchange deposit address
Memo · ID
Amount
How it works
Paste the exchange address and memo
The deposit address and memo.
Exchange deposit address
GCMG…AYE4
This exchange requires a memo
Memo · ID
4417 2290
Amount
20.0000000 USDC
Sign once with your passkey
One prompt. Your transit account, set up for you.
Your transit account
GBX4…P2QD
- XLM balance0
- Base reserveSponsored by Portaj
- USDC trustlineSponsored by Portaj
Your USDC arrives with its memo
Credited by memo. Three links to check.
- Set up transit accountConfirmed
- Wallet → transit accountConfirmed
- Transit account → exchange, memo 4417 2290Confirmed
Everything for getting out
Your USDC, stuck in a smart wallet
Smart-wallet holders
The memo field is greyed out
Soroban transactions can't carry a memo. Without it, the exchange can't tell whose deposit it is.
Smart-wallet holders
“Transfers from contracts are not supported”
That's SDF's own wording about exchanges. Even with the right address, the deposit isn't credited.
New users
Buy XLM first. From where?
A classic wallet needs XLM for its reserve and the USDC trustline. The place to buy XLM is the exchange you can't reach.
Passkey users
A seed phrase for one withdrawal
Switching to a classic wallet means writing down 24 words to move money once.
Bounty and prize winners
Paid into a smart wallet
First time on Stellar, money in hand, and no way to sell it for naira.
What disappears
Deposits the exchange can't match to you
No memo-less sends, no support tickets, no money parked in a contract the exchange won't read.
What you get
Credited by memo, like any deposit
A classic payment with your memo, from an account that's yours. The exchange treats it like every other deposit.
Who it's for
For smart-wallet holders
Sell your USDC like anyone else
Paste the exchange's address and memo, sign once. Your deposit is credited the normal way.
For any wallet
Bring your own smart wallet
Your wallet lives on another site? Send to your transit account from there; Portaj pays it out with the memo.
For judges and builders
Check every step yourself
Create a test wallet, get test USDC, carry it to the simulator, and open three explorer links.
What Portaj never does
Never holds your keys
Your transit account's key is derived from your passkey in the browser and never stored or sent.
Never holds your funds
USDC sits in your own transit account for one ledger, then leaves with the memo.
Never asks for XLM
Sponsored reserves create the account; fee bumps pay every transaction. It holds 0 XLM.
Never signs anything else
The sponsor only signs setup, relays transfers into accounts it sponsored, and fee-bumps their payments.
Never leaves you stuck
If a step fails after your USDC moved, resume the carry or send it back to your wallet.