diff --git a/packages/core-dart/lib/src/routing/extract.dart b/packages/core-dart/lib/src/routing/extract.dart
index 9b4bc8d6..de848174 100644
--- a/packages/core-dart/lib/src/routing/extract.dart
+++ b/packages/core-dart/lib/src/routing/extract.dart
@@ -233,7 +233,34 @@ RoutingResult extractRoutingSync(RoutingInput input) {
 ///
 /// Currently delegates to [extractRoutingSync]; when async capabilities
 /// are added this function will perform the additional checks.
-Future<RoutingResult> extractRouting(RoutingInput input) async {
-  return extractRoutingSync(input);
-}
+typedef MemoRequirementFetcher = Future<bool> Function(String baseAccount);
+
+/// Performs routing extraction and optionally checks a destination's SEP-0029
+/// memo requirement. Fetch failures fail open to preserve parser behavior.
+Future<RoutingResult> extractRouting(
+  RoutingInput input, {
+  MemoRequirementFetcher? fetchMemoRequirement,
+}) async {
+  final result = extractRoutingSync(input);
+  if (fetchMemoRequirement == null ||
+      result.destinationBaseAccount == null ||
+      result.id != null ||
+      result.destinationError != null) {
+    return result;
+  }
 
+  try {
+    if (await fetchMemoRequirement(result.destinationBaseAccount!)) {
+      return RoutingResult(
+        source: result.source,
+        id: result.id,
+        destinationBaseAccount: result.destinationBaseAccount,
+        destinationError: result.destinationError,
+        warnings: [...result.warnings, RoutingWarning.missingRequiredMemo],
+      );
+    }
+  } catch (_) {
+    // Network/configuration failures must not change the synchronous result.
+  }
+  return result;
+}
diff --git a/packages/core-dart/lib/src/routing/routing_result.dart b/packages/core-dart/lib/src/routing/routing_result.dart
index 56060c98..0b90cc2f 100644
--- a/packages/core-dart/lib/src/routing/routing_result.dart
+++ b/packages/core-dart/lib/src/routing/routing_result.dart
@@ -61,6 +61,13 @@ class RoutingWarning {
     message: 'Contract source detected. Routing state cleared.',
   );
 
+  /// Emitted when SEP-0029 requires a memo but no routing ID was supplied.
+  static const missingRequiredMemo = RoutingWarning(
+    code: 'MISSING_REQUIRED_MEMO',
+    severity: 'error',
+    message: 'Destination account requires a memo, but no routing ID was provided.',
+  );
+
   @override
   String toString() => '[$severity] $code: $message';
 
diff --git a/packages/core-go/address/warnings.go b/packages/core-go/address/warnings.go
index aacb2fda..63be33f1 100644
--- a/packages/core-go/address/warnings.go
+++ b/packages/core-go/address/warnings.go
@@ -18,6 +18,7 @@ const (
 	WarnMemoIDInvalidFormat    WarningCode = "MEMO_ID_INVALID_FORMAT"
 	WarnUnsupportedMemoType    WarningCode = "UNSUPPORTED_MEMO_TYPE"
 	WarnInvalidDestination     WarningCode = "INVALID_DESTINATION"
+	WarnMissingRequiredMemo    WarningCode = "MISSING_REQUIRED_MEMO"
 )
 
 type Warning struct {
diff --git a/packages/core-go/routing/extract.go b/packages/core-go/routing/extract.go
index f49bcaa4..5d333262 100644
--- a/packages/core-go/routing/extract.go
+++ b/packages/core-go/routing/extract.go
@@ -202,6 +202,30 @@ func ExtractRouting(input RoutingInput) RoutingResult {
 	}
 }
 
+// MemoRequirementFetcher retrieves whether a destination account requires a
+// routing memo. Implementations can use Horizon, an indexer, or a cached source.
+type MemoRequirementFetcher func(baseAccount string) (bool, error)
+
+// ExtractRoutingWithMemoRequirement performs normal routing extraction and
+// optionally adds the SEP-0029 error when a classic destination requires a
+// memo but no routing ID was supplied. Fetch failures fail open so callers
+// retain the result of the synchronous parser.
+func ExtractRoutingWithMemoRequirement(input RoutingInput, fetch MemoRequirementFetcher) RoutingResult {
+	result := ExtractRouting(input)
+	if fetch == nil || result.DestinationBaseAccount == "" || result.RoutingID != nil || result.DestinationError != nil {
+		return result
+	}
+	required, err := fetch(result.DestinationBaseAccount)
+	if err == nil && required {
+		result.Warnings = append(result.Warnings, address.Warning{
+			Code:     address.WarnMissingRequiredMemo,
+			Severity: "error",
+			Message:  "Destination account requires a memo, but no routing ID was provided.",
+		})
+	}
+	return result
+}
+
 func stringValue(s string) string {
 	return s
-}
\ No newline at end of file
+}
diff --git a/packages/core-ts/src/address/types.ts b/packages/core-ts/src/address/types.ts
index d74fc2a5..5c2c1ff1 100644
--- a/packages/core-ts/src/address/types.ts
+++ b/packages/core-ts/src/address/types.ts
@@ -16,7 +16,8 @@ export type WarningCode =
   | "MEMO_TEXT_UNROUTABLE"
   | "MEMO_ID_INVALID_FORMAT"
   | "UNSUPPORTED_MEMO_TYPE"
-  | "INVALID_DESTINATION";
+  | "INVALID_DESTINATION"
+  | "MISSING_REQUIRED_MEMO";
 
 export type Warning =
   | {
@@ -51,9 +52,15 @@ export type Warning =
         | "NON_CANONICAL_ROUTING_ID"
         | "INVALID_DESTINATION"
         | "UNSUPPORTED_MEMO_TYPE"
+        | "MISSING_REQUIRED_MEMO"
       >;
       severity: "info" | "warn" | "error";
       message: string;
+    }
+  | {
+      code: "MISSING_REQUIRED_MEMO";
+      severity: "error";
+      message: string;
     };
 
 export type Address =
diff --git a/packages/core-ts/src/index.ts b/packages/core-ts/src/index.ts
index 27336212..9764b895 100644
--- a/packages/core-ts/src/index.ts
+++ b/packages/core-ts/src/index.ts
@@ -9,4 +9,5 @@ export * from "./routing/extract";
 export * from "./routing/extractFromTx";
 export * from "./routing/extractFromURI";  // ← NEW
 export * from "./routing/types";
-export * from "./routing/memo";
\ No newline at end of file
+export * from "./routing/memo";
+export * from "./routing/memoRequirement";
diff --git a/packages/core-ts/src/routing/memoRequirement.ts b/packages/core-ts/src/routing/memoRequirement.ts
new file mode 100644
index 00000000..0d7b9b26
--- /dev/null
+++ b/packages/core-ts/src/routing/memoRequirement.ts
@@ -0,0 +1,64 @@
+import type { MemoRequirementFetcher, RoutingInput, RoutingResult } from "./types";
+import { extractRouting } from "./extract";
+
+const DEFAULT_HORIZON_URL = "https://horizon.stellar.org";
+
+export type MemoRequirement = {
+  required: boolean;
+};
+
+function decodeDataValue(value: unknown): boolean {
+  if (value === "1" || value === 1 || value === true) return true;
+  if (typeof value !== "string") return false;
+  try {
+    return atob(value) === "1";
+  } catch {
+    return false;
+  }
+}
+
+/** Fetches the SEP-0029 memo requirement from a Horizon account response. */
+export async function fetchMemoRequirement(
+  baseAccount: string,
+  fetchImpl: typeof fetch = fetch,
+  horizonUrl = DEFAULT_HORIZON_URL
+): Promise<boolean> {
+  const response = await fetchImpl(
+    `${horizonUrl.replace(/\/$/, "")}/accounts/${encodeURIComponent(baseAccount)}`
+  );
+  if (!response.ok) return false;
+
+  const account = (await response.json()) as { data?: Record<string, unknown> };
+  return decodeDataValue(account.data?.["config.memo_required"]) ||
+    decodeDataValue(account.data?.["config.requiring_memo"]);
+}
+
+/**
+ * Performs normal routing extraction and optionally checks SEP-0029 account data.
+ * A failed network lookup is treated as unknown and does not block parsing.
+ */
+export async function extractRoutingAsync(
+  input: RoutingInput,
+  requirementFetcher: MemoRequirementFetcher = fetchMemoRequirement
+): Promise<RoutingResult> {
+  const result = extractRouting(input);
+  if (!result.destinationBaseAccount || result.routingId !== null || result.destinationError) {
+    return result;
+  }
+
+  try {
+    if (await requirementFetcher(result.destinationBaseAccount)) {
+      result.warnings = [
+        ...result.warnings,
+        {
+          code: "MISSING_REQUIRED_MEMO",
+          severity: "error",
+          message: "Destination account requires a memo, but no routing ID was provided.",
+        },
+      ];
+    }
+  } catch {
+    // Network/configuration failures must not change the synchronous result.
+  }
+  return result;
+}
diff --git a/packages/core-ts/src/routing/types.ts b/packages/core-ts/src/routing/types.ts
index 72e1be3c..a4cf847e 100644
--- a/packages/core-ts/src/routing/types.ts
+++ b/packages/core-ts/src/routing/types.ts
@@ -28,6 +28,8 @@ export type RoutingResult = {
   };
 };
 
+export type MemoRequirementFetcher = (baseAccount: string) => Promise<boolean>;
+
 export function routingIdAsBigInt(
   routingId: string | bigint | null
 ): bigint | null {
@@ -36,4 +38,4 @@ export function routingIdAsBigInt(
   }
 
   return typeof routingId === "bigint" ? routingId : BigInt(routingId);
-}
\ No newline at end of file
+}
diff --git a/packages/spec/schema.json b/packages/spec/schema.json
index 86d5f006..972581b9 100644
--- a/packages/spec/schema.json
+++ b/packages/spec/schema.json
@@ -66,7 +66,8 @@
           "enum": [
             "MEMO_IGNORED_FOR_MUXED", "MEMO_PRESENT_WITH_MUXED",
             "CONTRACT_SENDER_DETECTED", "MEMO_TEXT_UNROUTABLE",
-            "MEMO_ID_INVALID_FORMAT"
+            "MEMO_ID_INVALID_FORMAT", "MISSING_REQUIRED_MEMO",
+            "INVALID_STRKEY"
           ]
         },
         "severity": { "type": "string", "enum": ["info", "warn", "error"] },
diff --git a/spec/schema.json b/spec/schema.json
index 86d5f006..972581b9 100644
--- a/spec/schema.json
+++ b/spec/schema.json
@@ -66,7 +66,8 @@
           "enum": [
             "MEMO_IGNORED_FOR_MUXED", "MEMO_PRESENT_WITH_MUXED",
             "CONTRACT_SENDER_DETECTED", "MEMO_TEXT_UNROUTABLE",
-            "MEMO_ID_INVALID_FORMAT"
+            "MEMO_ID_INVALID_FORMAT", "MISSING_REQUIRED_MEMO",
+            "INVALID_STRKEY"
           ]
         },
         "severity": { "type": "string", "enum": ["info", "warn", "error"] },