The TAG/MEMO is a unique identifier assigned to each account that allows centralized cryptocurrency exchanges to identify a deposit and credit the appropriate account. By forgetting the MEMO, your transfer may not arrive at the destination until it's retrieved. Binance, for example, requires a tag/memo for specific cryptocurrencies (BNB, XLM, XRP, etc.) to be credited successfully. Be sure to include a correct tag/memo to avoid unpleasant situations and even loss of funds.
On the other hand, a wallet such as Trust Wallet is decentralized and does not require a Memo or Destination Tag to send tokens. You only need to input the wallet address correctly. Please read more here.