Crypto deposits look simple, but most preventable mistakes happen before the transaction is broadcast. The three items to check are the receiving network, the deposit address, and any memo, destination tag or extra identifier required by the asset or exchange.
Coinbase Help warns that users must select the correct network when receiving crypto and include a destination tag or memo when an asset requires it. Kraken’s support pages make the same point from the missing-deposit angle: wrong network or token standard, missing tag or memo, minimum deposit size, expired addresses and insufficient confirmations can all delay or block crediting.
A practical workflow is to start from the receiving exchange, not the sending wallet. Open Receive or Deposit, choose the exact asset, choose the exact network, copy the address, copy the memo or tag if shown, and then compare those fields inside the sending app before confirming. Never rely on a saved address unless the receiving platform says it is still valid.
For large transfers, a small test transaction is still useful when the fee is acceptable. This is especially important for assets available on multiple networks, such as USDT, USDC, ETH-compatible tokens, XRP, XLM, STX or assets with exchange-specific routing rules.
Decision point: low fees are not enough reason to pick a network. The network must be supported on both sides for the same asset, and the deposit page must explicitly display that network. If the sending app offers a cheaper chain that the receiving exchange does not support, the cheaper choice can become the most expensive mistake.
Sources: Coinbase Help on receiving crypto; Coinbase Help on destination tags and memos; Kraken Support on missing deposits; Kraken app deposit guide.
Risk notice: Blockchain transfers are often irreversible. This article is a checklist, not customer support. Confirm details on the official exchange page before sending funds.
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