Problem scenario
You are trying to send Ripple coins to a Trezor wallet. You get a prompt like "Are you sure that this transaction doesn’t require a MEMO to be successful?" or "This transaction has no destination tag, are you sure it is not required to be successful?
Do you need to include a memo or "destination tag" when the Ripple coins or Stellar Lumens are going to a Trezor wallet or Ledger wallet?
Answer
No.
Destination tags are not required for receiving XRP tokens in Trezor Suite.
https://trezor.io/learn/a/ripple-xrp-on-trezor-model-t-and-trezor-safe-3
For the Ledger wallet, the answer is also "no."
When you are sending XRP/XLM from an exchange to your address obtained in Ledger Live, you are not required to put a specific tag. Since the address is controlled by you, the funds in Ledger Live will appear on your address automatically.
https://support.ledger.com/hc/en-us/articles/8334221527581-Do-I-need-a-memo-tag-to-send-or-receive-XRP-and-XLM
Be careful because if you were not using a Trezor wallet or Ledger wallet, you could lose your funds (e.g., on an exchange) if you do not provide a destination tag (numeric) with XRP or a memo (an alphanumeric string) with XLM.
Destination tag/Memo is an additional address feature necessary for identifying your recipient beyond the XRP/XLM wallet address on a centralized exchange or wallet.
https://help.crypto.com/en/articles/3957426-how-to-send-and-receive-xrp-and-xlm
This article is only for information. Please do not transact funds unless you know what you are doing. We are not responsible for lost XRP/XLM.