Outlines how to verify wallet addresses, particularly those with a tag, memo, or ':' in them.

A wallet address may have various formats, combining the address itself, a tag or memo, and a delimiter. It's crucial to note that in the IVMS101 protocol, this entire combination is treated as a single string.

Thus, there are 4 possible formats of wallet addresses.

NoDescriptionExample AssetsAddress Format
1Address onlyBTC , ETH…address
2Combination of address and tag or memoEOS, XRP…address:memo or tag
3‘:’ included in the addressBCH, Kaspa…currency:address
4‘:’ included in the address and tag or memo addedNot existing at the moment, but potentially possible in the future.currency:address:memo or tag

It is agreed that originating VASPs combine wallet address and a tag or memo with a colon(‘:’). To ensure that the beneficiary VASP can handle all cases without exception, it is essential to design a verification process while considering the various possible formats of wallet addresses. The flow of this process should be as follows:

Verify Address First

  1. Verify address with the received string as it is.
  2. If it fails, check if the string contains a ‘:’. If so, split the string at the rightmost colon.
  3. Re-verify with the first segment of the splitted string.



  • When splitting, regardless of colon count, use the rightmost colon as the basis.
  • You must first try verifying the received string, irrespective of the presence of a colon.

Verify the Presence of a ‘:’

If your system is already structured to initially check for the presence of a colon (':'), the following flow can be added:

  1. Verify the address directly if no colon (':') is present.
  2. If a colon is present, split the string at the rightmost colon and verify the address using the first segment.
  3. If it fails, verify the existence of the address using the received string as it is, including the colon.