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docs: reconcile memo framing in pooled accounts guide intro #2853

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docs: reconcile memo framing in pooled accounts guide intro
devtechedge Sep 12, 2026
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docs: drop remaining historical qualifier from lead paragraph
devtechedge Sep 12, 2026
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4 changes: 2 additions & 2 deletions docs/build/guides/transactions/pooled-accounts-muxed-accounts-memos.mdx
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Expand Up @@ -6,11 +6,11 @@ sidebar_position: 60

When building an application or service on Stellar, one of the first things you have to decide is how to handle user accounts.

You can create a Stellar account for each user, but most custodial services, including cryptocurrency exchanges, choose to use a single pooled Stellar account to handle transactions on behalf of their users. In these cases, the muxed account feature can map transactions to individual accounts via an internal customer database.
You can create a Stellar account for each user, but most custodial services, including cryptocurrency exchanges, choose to use a single pooled Stellar account to handle transactions on behalf of their users. In these cases, an internal customer database maps transactions to individual accounts, using either the muxed account feature or transaction memos.

:::note

We used memos in the past for this purpose, however, using muxed accounts is better in the long term. At this time, there isn't support for muxed accounts by all wallets, exchanges, and anchors, so you may want to support both memos and muxed accounts, at least for a while.
Transaction memos were traditionally used for this purpose, and many services still rely on them. Muxed accounts are better in the long term, but they aren't yet supported by all wallets, exchanges, and anchors, so you may want to support both memos and muxed accounts, at least for a while. This guide covers both approaches.

:::

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