Deposits of HIVE, HBD, STEEM or SBD must specify the user's ionomy account ID.
The user's account ID in the memo field routes funds to be credited to the intended account. Without the ID, the funds go to the general ionomy wallet and cannot be differentiated.
Verified funds accidentally sent without a memo can be recovered for a processing fee of $20 to cover the costs of researching, verifying, and rerouting funds.
When HIVE, HBD, STEEM or SBD funds are sent to @ionomy from another exchange without a memo, those funds belong to ionomy unless there is documentation proving to ionomy's satisfaction that the funds were intended for a particular ionomy user account.