USDC & USDT Savings Tool on Polygon Network

A secure, trustless USDC or USDT time-lock on the Polygon network — no one can withdraw before the set date.

Live at usdtimelock.com. A single-page web app that lets you lock any amount of USDC or USDT inside a smart contract on Polygon until a date and time you choose — no server, no middleman. Everything runs directly in your browser and interacts with the smart contract via the ethers.js library.

Why this tool?

• Real financial discipline — once locked, your funds can't move before the deadline. No "just this once" withdrawals.
• No middleman, no third party — the smart contract is the only judge; no team or company controls your funds.
• Works anywhere — a single HTML file that opens in any browser, no install, no account.
• Full transparency — every transaction is on-chain and verifiable on Polygonscan.

How it works

• Create a lock — Set the amount, the beneficiary (yourself or another address), and the release date & time. The app deploys a dedicated lock contract on Polygon.
• Approve, then deposit — Before locking, the contract needs approval to move your USDC or USDT (a separate Approve transaction), followed by the Lock transaction itself — each costs a tiny network fee (~$0.001).
• Wait for the unlock date — The Monitor tab shows the lock's status, amount, beneficiary, and a countdown to the release date & time.
• Top up anytime — You can add more USDC or USDT to the same lock at any point before release, without creating a new one.
• Withdraw — Once the deadline arrives, the withdraw button unlocks and the beneficiary can claim the full balance straight to their wallet.

The Smart Contract

This is the Contract Addresses that locks your funds on the blockchain:
USDC&USDT: 0x971023785d5477fb0c5B85686b00c4B9CA588B5D
Polygon(POL): 0xb8120460c1B43A370566a784A549C2b0fABAD989.

Important Security Notes

• The storage address is a smart contract, not a regular wallet. Never send USDC or USDT to it as a plain transfer from a wallet or exchange — any balance sent that way cannot be recovered. Always use the "Top Up" tab inside the app itself.
• The address (creator or beneficiary) needs a small amount of POL to cover network fees when creating or withdrawing from a lock.
• The app connects to your wallet via MetaMask, Trust Wallet, or Coinbase Wallet (extension or mobile app) — your private key never leaves your wallet app and is never seen by this site.

Tech Stack

• HTML / CSS / JavaScript — a single file, no build step, no installed dependencies.
• ethers.js — for interacting with the network and the smart contract.
• Polygon Mainnet / Amoy Testnet — via multiple RPC providers with automatic fallback.

Quick Start

• Open the app at usdtimelock.com.
• Choose a network: Mainnet for real use, or Testnet to try it safely first.
• Connect a wallet: MetaMask, Trust Wallet, or Coinbase Wallet.
• From the New Lock tab, create your first lock with a small amount to get comfortable with the flow.
• Track your lock from the Monitor tab until the release date.

Disclaimer

This tool interacts directly with a smart contract on a public network (Polygon). No party can reverse a transaction or recover funds sent by mistake. Use it at your own risk, and always start with small amounts on the testnet before using mainnet.