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Most people who want to close a Stellar account fall into one of three situations.

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Leaving the network, or consolidating wallets

You tried Stellar years ago, collected a few trustlines and an airdrop or two, and the account has sat idle since. Or you hold several wallets and want everything in one. Either way, the manual path is unforgiving: a single leftover data entry or open offer makes the final ACCOUNT_MERGE fail, and the error codes do not tell a casual user why. LumenWipe analyzes the account, shows the full ordered plan up front, and walks each step with a simulation before every signature. The destination can be any funded Stellar account you control.

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Cashing out to an exchange

No exchange credits an incoming ACCOUNT_MERGE, so the last hop of “close my account and send everything to my exchange” is impossible to do directly. LumenWipe routes these closes so they end in a normal payment the exchange does credit, with the deposit memo validated against a registry of known exchanges before anything is signed. A wrong or missing memo blocks submission instead of losing funds. The mediator route is available on testnet; mainnet availability follows the deployment status in the monitoring plan.

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Exiting DeFi first

Positions in Blend, Aquarius, Soroswap, Phoenix, and FxDAO (testnet only, see below) live inside the protocols’ contracts, not in your account, so the network will let you merge an account that still has money deposited in them. Nothing fails and nothing warns you: the funds simply stay parked in the contracts, under an account that no longer exists, and getting them back means re-funding the address and unwinding everything by hand. LumenWipe prevents this. It detects positions before anything is signed, builds the exit per protocol (repay, then withdraw, in the order the contracts require), converts what comes out to XLM, and only then continues toward the merge. A position that cannot be closed safely is surfaced as a blocker with an explanation, never skipped silently - which is exactly what happens for an FxDAO position on mainnet today (the FxDAO exit is testnet only): FxDAO has stopped operating there (see the architecture doc’s FxDAO section for the evidence), so LumenWipe blocks that step with a clear explanation rather than attempting a transaction that could never succeed, instead of merging the account with the position still stranded.

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When the account cannot even pay fees

An account sitting at exactly its minimum balance cannot pay the fee on its own closing transactions: every XLM it has is locked in reserves, so the network rejects them. LumenWipe covers the fees for these accounts, and the sponsorship can only ever pay fees, never move your funds. The reserves you recover dwarf the fees by orders of magnitude. Availability by network, as of 2026-10-10: sponsored fees are available on testnet; mainnet availability follows the deployment status in the monitoring plan.