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AML check on Stellar

Stellar addresses start with G and are 56 characters long, and exchanges often require a memo too. Here is what matters for AML checks on Stellar.

Address formatStarts with G · 56 characters, base32 with a CRC16 checksum · muxed M… addresses are 69GQO5X3TFXXPZZKDQPNMSSDBCMV3VXEYRBSC72FXG4H6KIUH2BF7AOGPSExample for illustration, not a real address.
Note

Tokens other than XLM on Stellar can be frozen, and in some cases clawed back, by their issuer if the issuer turned those settings on. If a token balance suddenly cannot move, contact the issuer or the exchange that holds it.

Services that check Stellar

01ChainalysisEnterprise platformPrice on requestSupportedNot scored
02EllipticEnterprise platformPrice on requestSupportedNot scored
03Crystal IntelligenceEnterprise platformPrice on requestSupportedNot scored
04TRM LabsEnterprise platformPrice on requestSupportedNot scored
05AnChain.AI Data APIAPI for businessAddress score $0.08–$0.10 in credit packs from $1,000Supported6.1
06Merkle ScienceEnterprise platformPrice on requestSupportedNot scored
07Sumsub Crypto MonitoringEnterprise platformPrice on requestSupportedNot scored
08WebacyUse with careAPI for businessPrices shown after sign-inSupportedNot scored
09BitOKTelegram botfrom $0.35 per checkNot verified8.5
10Scorechain BotTelegram botPay per use, prices not publishedNot verifiedNot scored
11Scorechain AIWeb app€75 for 35 credits, down to €1.00 a checkNot verifiedNot scored

For companies: screening tools that list Stellar

Enterprise KYT and wallet-screening platforms for exchanges, payment firms and other businesses. Prices are on request and they are not part of our score. “Screening” means the provider’s own page lists Stellar for screening or monitoring; “Not verified” means it is listed only for investigations or without detail. Compare business tools →

01Global Ledger[1]KYT (Know Your Transaction: transaction screening / real-time risk scoring); also KYB and Vision (investigations platform)Quote on requestNot verified

How to check a Stellar address

  1. Get the public addressAsk your counterparty for the address they will send from — or copy it from the incoming transaction.
  2. Pick a service that covers StellarChoose one marked “Supported” in the list above. Check the G... address. If you were given an M... address, it is a G... account plus a customer ID, and not every service supports M... addresses yet. A string starting with S is a secret key: never paste it into any checker or website.
  3. Run the check and read itIf the address belongs to an exchange, the result describes the exchange's shared deposit account, not you. Before sending, confirm you have the exact memo the exchange gave you.
A real AML check needs only a public address. Never share a seed phrase or private key.

Stellar specifics

  • Every Stellar account must keep a minimum balance of two base reserves (currently 1 XLM), and each extra item it holds, such as a trustline, adds one more base reserve (currently 0.5 XLM).[2]
  • To hold any asset other than XLM, such as a stablecoin, an account must first open a trustline, which is an explicit opt-in to that specific asset.[3]
  • If a token's issuer has turned on the revocable setting, it can revoke an account's authorization to hold that token, which freezes it: the holder can no longer transfer or trade it, and any open orders for it are cancelled.[4]
  • Since protocol version 17 (CAP-35), an issuer that has turned on clawback can pull its token back out of a holder's account and burn it. This works only on trustlines opened after the setting was turned on, and only if the issuer can also freeze. CAP-35 gives regulatory requirements, fraudulent transactions and lost custody as reasons.[5]
  • Custodial wallets often use a single Stellar account for all deposits and rely on the memo to identify the customer; the SEP-29 standard lets such accounts flag that a memo is required, because missing memos can cause losses that need manual fixing.[6]
  • TRM Labs reported that in the June 2023 Atomic Wallet hack, which it profiled as a North Korean operation, attackers drained victims' wallets on several blockchains including Stellar. About USD 100 million was stolen across all chains from more than 4,100 addresses; TRM did not give a Stellar-only figure.[7]

Common risks on Stellar

ScamHighMoney taken through fake investments, phishing, impersonation and similar deception.Stolen fundsHighCoins taken in hacks of exchanges, protocols or personal wallets.High-risk exchangeMediumExchanges with weak or no customer checks.

FAQ

Why does my exchange ask for a memo when I send XLM?

Many exchanges and custodial wallets use one Stellar account for all customers and rely on the memo to know whose deposit it is. If you leave it out, the funds can arrive without being credited to you and may need manual recovery by the exchange.

Can a token on Stellar be frozen or taken back?

Yes, for tokens other than XLM if the issuer set it up that way. With the revocable setting the issuer can freeze your balance of its token; with clawback (CAP-35) it can also remove and burn it, but only on trustlines opened after clawback was turned on.

What is the difference between G, M and S on Stellar?

G... is a public account address (56 characters) that you can share. M... is a muxed address: the same account plus a numeric ID that some services use to tell customers apart. S... is a secret key that controls the account. Never share it; the Stellar Development Foundation says it will never ask for your secret key.

How do I check a Stellar address for AML risk?

Copy the public address, open one of the services listed above that supports Stellar, and run the check. You never need a seed phrase or private key.

What does “Not verified” mean?

The service claims support somewhere — in marketing copy or a third-party page — but its own docs, pricing or FAQ do not list the network. Treat it as unknown.

Sources

  1. Global Ledger — Global Ledger — Stellar coverage. Checked 4 Oct 2026.
  2. Stellar Development Foundation (developers.stellar.org) — Lumens. Checked 4 Oct 2026.
  3. Stellar Development Foundation (developers.stellar.org) — Accounts. Checked 4 Oct 2026.
  4. Stellar Development Foundation (developers.stellar.org) — Control asset access. Checked 4 Oct 2026.
  5. Stellar Protocol (GitHub, stellar/stellar-protocol) — CAP-0035: Asset Clawback (14 Dec 2020). Checked 4 Oct 2026.
  6. Stellar Protocol (GitHub, stellar/stellar-protocol) — SEP-0029: Account Memo Requirements (4 May 2020). Checked 4 Oct 2026.
  7. TRM Labs — Inside North Korea's Crypto Heists: $200M in Crypto Stolen in 2023; Over $2B in the Last Five Years (17 Aug 2023). Checked 4 Oct 2026.