You don't need to provide a memo.id when withdrawing, only your public key. You can simply leave it empty. Some services (like Poloniex) require you to provide one when depositing. There is also this tutorial describing how to deposit and withdraw from Poloniex, maybe it helps.

    Hi. Can i download full noda of blockchain Slellar to my PC, and storrage all information on my PC? What is the different betwin blockchains BTC and Stallar??? May i physically have my XLM tokens on my PC like BTC, or ETH?

      sonic1111 You can run a stellar core node and have a full copy of the blockchain locally. By holding your secret key you are holding your Lumens. In bitcoin you also don't have anything physically on your PC, you just keep a key that allows you to sign transactions.

      Bitcoin doesn't have a good separation of concerns as the Bitcoin Core client was everything at one point (miner, ledger db, wallet, ...). With stellar you actually don't need to run a full node. It has a much better thought out architecture. You only need a wallet to hold your XLM safely and they are much more lightweight.

        What about this wallet, Stellar Desktop Client is it good choise for just storage XLM? if i understand correct i can to open this wallet on different PC, the main thing its to have the key and password. Also its not nessesary to write MEMO id into the gap when i wish to deposit money.

          sonic1111 The Stellar Desktop Client looks like a good wallet. If you make a backup of your secret key you should be fine.

          If you are depositing to an exchange then it is necessary to add a memo field requested by the exchange. If you are sending from an exchange to your local wallet you don't need to provide one.

            Hi will you tell me i have 29.9999600 XLM in my Stellar Desktop Client and i was tryed to send them 29.9999600 XLM to my poloniex account but sistem writing "paymentUnderfunded" then i tried to send the less the sum 5.00XLM the sistem write me "Asset successfully sent" Now i have 24.9999500XLM why i can not to send all the rest of the sum to poloniex???

              sonic1111 Every account needs to hold a minimum of 20 XLM to stay active. This is probably why you can't send everything. There are ways to send everything, but I'm not sure if Stellar Desktop Client supports them.

                  Can you advice me where can i to read information what is the difference between XRP and XLM?

                    3 months later

                    I think it's local I went to the official site and installed the Stellar Desktop Client application and I took into account and here is just the secret key I get, the public key can not find it anywhere. No memo id. Application version 3.0

                      If he can help me, I'm new and I just want to buy from that site https://changelly.com/ some coins and I want to get on with my account and I understand that without that memo id are chances not to get in You're losing money. ?

                        a month later

                        Привет отправил steller на poloniex но не прописал memo id прийдут ли назад монеты или нет ? И как решить это вопрос