Close an account

ConfigureCopy Anchor Link

Answer Where should the funds go?

Destination address. Paste the G address that receives everything. The app checks the format, refuses your own account (the network rejects a self-merge), and reads the destination from the network. A destination that does not exist yet blocks the close until you fund it.

Memo. Pick a type (Text, ID, Hash or Return) and paste the value. A personal wallet needs none. On a direct close the memo rides on the transaction that closes the account. A destination that requires a memo, a known exchange or an account flagged under SEP-29, keeps Continue disabled until you enter a well-formed one.

Select Continue, preview the plan. The app reads the account, discovers its DeFi positions, token allowances and standalone tokens, builds the plan and simulates every Soroban step against the live network. Nothing is signed yet.

Fix issues, when something keeps the close from startingCopy Anchor Link

This step lists everything that stops the close, and each item that needs a choice gets one: a balance with no market to XLM, a sale over the 2% price-impact limit, a token swap that was refused, or Blend backstop rewards that cannot be claimed today. Make your choices, then select Re-check and continue, which rebuilds the plan with them.

See Clear a blocked closure.

Check the plan, when there is something to choose or readCopy Anchor Link

Nothing on this step blocks the close. It has two parts.

Your choices lists what you can change. Each choice starts on an option that works, so you can leave it as it is. A change applies when you rebuild the plan.

Things to know lists what you need to read: a token that looks like a copy of a known one, a scan that did not finish, a close that moves over 1000 XLM or holdings it cannot price, payments the close collects for you, and notes about the plan. Tick each one once you have read it.

Under Your choices you see Pending payments this close collects, which lists every claimable balance the account can claim now. A box starts ticked when the plan collects that balance. Untick one to leave it behind. A balance the close cannot collect (no trustline it can open, an unauthorized trustline, a full trustline, or no XLM for a new trustline's reserve) starts unticked, and ticking it does not collect it: it stays under Some pending payments will be left behind with the reason. A balance the account sponsors itself has no box and stays in the claim list, because leaving it would keep the account a sponsor and block the merge. A change applies when you rebuild the plan. On a run that only prepares the close, nothing is collected yet, so every box starts unticked.

On a shared account this list does not appear. The close collects every pending payment it can, and you cannot leave one out.

Balances this close sells for XLM lists every token balance the close sells at the market price. For each one you choose Sell for XLM (the default), Send it as-is to your destination, or Return to issuer (keep nothing). Sending as-is is offered only when the destination has an authorized trustline for that token with room for the whole balance, and never on an exchange close, because the payment would arrive without your memo. A change applies when you rebuild the plan. Right before the close transaction is signed, the app reads the destination again for every balance you send as-is, counting the pending payments the same transaction collects into it, and stops the close unsigned when the destination can no longer take the whole amount. On a shared account the collected transaction gets the same check before it is submitted.

Tick each acknowledgement, then select Continue to review.

ReviewCopy Anchor Link

The heading reads Review before closing. At the top:

A step that cannot be built until the steps it depends on land, such as a withdrawal behind a repay, has no fee yet. The fee figure then reads "about ... XLM plus N steps priced when they are built, at most ... XLM": the estimate leaves those steps out, and the most counts each at the highest fee the app signs for that kind of step. Each step in the plan shows its own fee, as "fee about ... XLM, up to ... XLM", or as "fee up to ... XLM" for a step that is not built yet.

Below the figures is the plan, grouped by phase in the order it runs, such as Token permissions, Repay loans, Withdraw from apps, Collect rewards, Leftover tokens, Close the account and, for a close to an exchange or another address that requires a memo, Deliver to destination. A group appears only when the plan has steps in it, and a Blend backstop or a classic unwind ahead of a loan repayment adds its own group. The last two carry an Irreversible badge.

Check the address under SENDING EVERYTHING TO, then select Continue to final confirmation. The button stays disabled while anything in the review still blocks the close.

ConfirmCopy Anchor Link

A dialog asks you to type the last four characters of the destination. They are underlined in the address above the input. A four-second timer runs at the same time, and Close account stays locked until the timer finishes and the characters match. This catches a wrong paste or a swapped clipboard.

CloseCopy Anchor Link

The app signs and submits each transaction in order. Approve each prompt in your wallet as it appears.

Every Soroban step is its own transaction, because Stellar does not combine Soroban and classic operations in one transaction. The classic close is one transaction for most accounts. It takes more in these cases, each adding a signature:

• It holds over 100 operations.
• The account has a classic liquidity pool share. It is withdrawn in a transaction of its own first.
• A claimable balance in a token that is then sold on the market, or that needs a trustline the close opens, is claimed in a transaction of its own first, so the sale is sized from what actually landed.
• Two conversions trade through the same market. Each is quoted against the market as it is, so they run in separate transactions, and the later one is quoted again once the earlier one landed.

Right before each Soroban signature the progress line shows the network fee that signature allows.