Implement SEP-0029 Forward Compatibility Check

[codeZe-us]

Stellar's SEP-0029 introduces the concept of memo requirements for exchange deposits. While the kit parses memos, it doesn't cross-reference them against an account's SEP-0029 configuration.

• Create an optional fetchMemoRequirement(baseAccount) utility.
• If a user routes to an account with config.requiring_memo = true but fails to provide a routing ID, append a MISSING_REQUIRED_MEMO error to the result.
• Ensure this behaves consistently across TS, Go, and Dart.

Expectation: Wallets integrating the kit automatically prevent users from burning funds by warning them if they try to send to an exchange address without a required memo.

Contributor telegram group: https://t.me/+OBaYnjDFA3w0Njdk

[mosharraftimes2018-dev]

@mosharraftimes2018-dev has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

I would like to work on this issue because it matches my interest in front of development and open source of contribution.I have some experience with react,java script,html,CSS and Git/GitHub

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[temisan0x]

@temisan0x has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hey team, I'd like to take on this issue. I've gone through the requirements and understand the changes needed. I can start working on it right away if that's okay.

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[aliyuHabibu]

@aliyuHabibu has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hi please assign this issue to me. Thank you

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[Okorie2000-code]

@Okorie2000-code has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hi maintainer, can I work on this?

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Congratulations, @aliyuHabibu! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on June 30, 2026.

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This issue is assigned to @aliyuHabibu via the Stellar Wave Program.

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