Polygon Polygon Mainnet Network
How to use, and guidance

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. This web app lets you lock any amount of USDC, 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

FieldValue
NameUSDCTimeLock
NameUSDTTimeLock
MainnetPolygon Mainnet
TestnetPolygon Amoy Testnet
Core functionslock() · topUp() · withdraw() · getLock()
EventsLocked · Withdrawn · ToppedUp
Gas tokenPOL
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.

The financial discipline tool

Lock USDC , USDT , POL in a non‑custodial smart contract on the Polygon network for a fixed period you choose. Only the beneficiary address you set can withdraw after the lock ends.
Looking for BITCOIN Time-lock?
check the section below.

Connect to your Wallet
MetaMask
Trust
Coinbase
OKX
Binance
Lock Settings
——
1
Lock
Details
2
Approve
3
Deposit
Lock
✓
Done

Add to an Existing Lock

Add balance to an existing lock without creating a new one.
The amount is added immediately and withdrawn together with the original balance at release.

Connect to your Wallet
MetaMask
Trust
Coinbase
OKX
Binance
🔍 Identify the Lock
Chip in
Chip in
Chip in
🔓 Withdraw Funds After the Lock Ends
Withdrawal is only possible after the set period ends.
Only the beneficiary can withdraw the funds.
Connect to your Wallet
MetaMask
Trust
Coinbase
OKX
Binance

Monitor Lock Contracts

Check the status of any time-lock without needing a private key — read directly from the blockchain.

🔍 Find by Beneficiary Address
Chip in
Chip in
Chip in
Bitcoin Time-lock — How it works

What is it?

A Bitcoin time-lock creates a special Taproot address (bc1p…) whose coins cannot be spent by anyone — including you — until the date and time you choose. After that moment, only the same wallet (OKX or Binance) that created it can withdraw.

It runs entirely on the Bitcoin mainnet and is completely separate from Polygon: no smart contract, no USDC/USDT, no POL, and no connection to the Polygon lock tools above. It accepts OKX Wallet or Binance Web3 Wallet (Taproot address).

Creating a lock

  1. Open the New Lock tab.
  2. Tap Connect OKX or Connect Binance — your Taproot address (bc1p…) fills in automatically.
  3. Choose the date and time to lock until. It is always UTC, regardless of your device's timezone.
  4. Tap Create Vault. The tool generates your Vault Address (Taproot) — copy it.
  5. Send any amount of Bitcoin to that Vault Address from your wallet, or from any other wallet.

The vault address is worked out from two things only: your wallet and the exact date & time. Nothing is stored on any server.

Write down the exact date and time (UTC) you used. You need it to withdraw.

Withdrawing

  1. Open the Withdraw tab.
  2. Connect the same wallet (same address) you created the lock with.
  3. Enter the same date and time (UTC) from creation, exactly.
  4. Tap Find Vault. The tool re-derives the vault address, shows its balance, and a countdown if the time hasn't arrived yet.
  5. Then choose the destination — by default it is your own wallet address.
  6. Once the locktime has passed, tap Sign & Withdraw, confirm in your wallet, and the transaction is broadcast to the Bitcoin network.

A small Bitcoin network fee is deducted from the withdrawn amount.

Important

  • Same wallet + same date and time. Change even one minute and a different (empty) vault address appears.
  • Your keys never leave your wallet (OKX or Binance). The site only builds the transaction; the wallet signs it.
  • Bitcoin transactions are irreversible. Double-check the vault address before sending.
  • Losing access to the wallet, or forgetting the exact date, means losing access to the funds.
Bitcoin
BTC Time-lock
The Bitcoin lock is set up on a Taproot address using the OKX or Binance Wallet. No OKX exchange account is required.
OKX Wallet
Bitcoin Bitcoin Main Network Bitcoin

Set Up a Bitcoin Time Lock

Create a secure time-locked Bitcoin address on mainnet. Fund it with any amount from any wallet. To unlock and withdraw later, simply connect the same wallet together with the precise date and time you set.

Connect OKX
Connect Binance
bc1p…
DD/MM/YYYY--:--
This is always UTC time
⚠️ Connect OKX or Binance Wallet

Don't trust, Verify.

Review and verify the two smart contracts used in this tool:
(USDC & USDT) - (POL).
© Copyright 2026
Designed & verified by iBrahim
Time-Lock Address
Time-Lock Address preview