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AML check on Polygon

How to check a Polygon address for AML risk, which checkers cover Polygon PoS, and what to keep in mind after the MATIC to POL switch.

Address format0x followed by 40 hexadecimal characters (EVM)0x9ae3c1d7b0f5e2a8d4c6b1e9f3a7d0c5e2b8f461Example for illustration, not a real address.
Note

Coverage is thinner than on Ethereum. Check that the service lists Polygon explicitly before relying on its score.

Services that check Polygon

01EllipticEnterprise platformPrice on requestSupportedNot scored
02Crystal IntelligenceEnterprise platformPrice on requestSupportedNot scored
03TRM LabsEnterprise platformPrice on requestSupportedNot scored
04BitOKTelegram botfrom $0.35 per checkSupported8.5
05MistTrackWeb appAPI from $0.20 per checkSupported7.9
06MetaSleuthWeb appFree web app · paid plans from $30/monthSupported7.6
07Quppy AML BotUse with careTelegram bot5 USDT for 11 checks, down to 0.23 USDT a checkSupported7.5
08Phalcon ComplianceEnterprise platformFree plan (3 checks a month) · credit packs $1.10–$1.90 a checkSupported6.4
09Cryptomus AML CheckerUse with careWeb app4.4 USDT for 10 checks, down to 0.40 USDT a checkSupported6.3
10AnChain.AI Data APIAPI for businessAddress score $0.08–$0.10 in credit packs from $1,000Supported6.1
11BestChange AML checkAggregator$0.50–$2.00 per checkSupportedNot scored
12Scorechain BotTelegram botPay per use, prices not publishedSupportedNot scored
13Merkle ScienceEnterprise platformPrice on requestSupportedNot scored
14Sumsub Crypto MonitoringEnterprise platformPrice on requestSupportedNot scored
15WebacyUse with careAPI for businessPrices shown after sign-inSupportedNot scored
16ChainalysisEnterprise platformPrice on requestNot verifiedNot scored
17BitraceAPI for businessPrice on requestNot verifiedNot scored
18Scorechain AIWeb app€75 for 35 credits, down to €1.00 a checkNot verifiedNot scored
19AMLBotTelegram botPrices shown after sign-upNot verifiedNot scored
20Match SystemsUse with careAPI for businessAPI from $0.08 per check (volume)Not verifiedNot scored

For companies: screening tools that list Polygon

Enterprise KYT and wallet-screening platforms for exchanges, payment firms and other businesses. Prices are on request and they are not part of our score. “Screening” means the provider’s own page lists Polygon for screening or monitoring; “Not verified” means it is listed only for investigations or without detail. Compare business tools →

01Global Ledger[1]KYT (Know Your Transaction: transaction screening / real-time risk scoring); also KYB and Vision (investigations platform)Quote on requestScreening

How to check a Polygon address

  1. Get the public addressAsk your counterparty for the address they will send from — or copy it from the incoming transaction.
  2. Pick a service that covers PolygonChoose one marked “Supported” in the list above. Native USDC is issued on Polygon PoS; bridged versions have their own contracts. The address check is the same.
  3. Run the check and read itLook at the score and at which categories make it up. One high-risk category matters more than many low ones.
A real AML check needs only a public address. Never share a seed phrase or private key.

Polygon specifics

  • On 4 September 2024 POL replaced MATIC as the gas and staking token of Polygon PoS. Addresses did not change.[2]
  • TRM Labs attributed 3% of illicit crypto volume in 2024 to Polygon.[3]

Who can freeze funds on Polygon

  • Circle's USDC terms say Circle can block USDC addresses it links to illegal activity. If the address is one Circle custodies, it can also freeze the USDC there, for a time or for good.[4]
  • The same terms let Circle block USDC transfers to and from an address on chain, under its blocklisting policy. The terms do not name individual networks.[4]
  • Circle says it may freeze USDC sent to or received from a blocked address and may close the Circle account involved.[4]
  • Circle lists one contract for native USDC on Polygon PoS: 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359. Before you accept USDC, check that the token contract matches this address.[5]
  • In September 2023, Circle said native USDC would launch on Polygon PoS on 10 October. The older bridged token, USDC.e (contract 0x2791bca1f2de4661ed88a30c99a7a9449aa84174), is a different token. Circle said that from 10 November it would stop supporting USDC.e deposits and withdrawals in Circle accounts, and that USDC.e sent there after that may not be recoverable.[6]
  • In a post dated 27 August 2025, Polygon Labs said USDT on Polygon has been upgraded to USDT0, the omnichain deployment of USDT. It said users don't need to take any action.[7]
  • OpenZeppelin audited the USDT0 token contract on Polygon. It reports a role that maintains a blocklist, plus an admin role that can destroy the funds of blocked users.[8]
  • Tether's terms of service let Tether freeze Tether tokens held by a user and blacklist addresses that hold them.[9]

Scams seen on Polygon

  • The FBI warns about fake liquidity-mining apps. A pop-up that mirrors your wallet app asks you to approve permissions. Approving them can let scammers take an unlimited amount from the wallet without your permission or notice.[10]
  • The FBI advises using a third-party token allowance checker from time to time, to see whether you have given sites or apps access to your wallet by mistake.[10]
  • Polygonscan says a growing number of airdrop tokens show up in addresses. Some are 'Frozen Drop' tokens. You cannot move these until you complete whitelisting or registration steps set by the token creator.[11]

Check the history yourself

  • On Polygonscan, wallet addresses and contract addresses look the same: 42 hexadecimal characters. Polygonscan shows a 'Contract Creation' field only for contracts.[12]
  • Polygonscan only shows activity on Polygon. Funds sent on another network will not show up at the same 0x address there, so check that the sender used Polygon.[12]
  • With a free Polygonscan account, you can add up to 50 addresses to a watch list. You get an email for each incoming or outgoing transaction.[13]
  • Polygon's documentation publishes the contract addresses of stablecoins on Polygon PoS. Use it to check the token contract shown on Polygonscan. For example, it lists USDT0 at 0xc2132D05D31c914a87C6611C10748AEb04B58e8F.[14]

Sanctions and enforcement cases

  • In March 2025, US prosecutors in Massachusetts sought forfeiture of stablecoins held by Gotbit Consulting. Gotbit had agreed to plead guilty to conspiracy to commit market manipulation and to wire fraud. The complaint says part of the USDC was on Polygon.[15]

Common risks on Polygon

ScamHighMoney taken through fake investments, phishing, impersonation and similar deception.Stolen fundsHighCoins taken in hacks of exchanges, protocols or personal wallets.DeFi protocolLowEstablished on-chain lending, swaps and liquidity pools.High-risk exchangeMediumExchanges with weak or no customer checks.

FAQ

Did my Polygon address change with POL?

No. The token changed from MATIC to POL; addresses stayed the same.

Can USDC on Polygon be frozen?

Circle's USDC terms let Circle block USDC transfers to and from an address on chain. They also let it freeze USDC in Circle-custodied addresses it links to illegal activity. The terms do not name individual networks.

What is the difference between USDC and USDC.e on Polygon?

USDC is the native token that Circle issues on Polygon PoS. USDC.e is the older version bridged from Ethereum, with a different contract. Circle said it would stop supporting USDC.e deposits and withdrawals in Circle accounts from 10 November 2023.

Do I need to do anything about USDT on Polygon becoming USDT0?

No. In a post dated 27 August 2025, Polygon Labs said USDT on Polygon has been upgraded to USDT0 and that users don't need to take any action.

How do I check a Polygon address for AML risk?

Copy the public address, open one of the services listed above that supports Polygon, and run the check. You never need a seed phrase or private key.

What does “Not verified” mean?

The service claims support somewhere — in marketing copy or a third-party page — but its own docs, pricing or FAQ do not list the network. Treat it as unknown.

Sources

  1. Global Ledger — Global Ledger — Polygon coverage. Checked 4 Oct 2026.
  2. Polygon — MATIC to POL migration: everything you need to know (Jul 2024). Checked 4 Nov 2026.
  3. TRM Labs — Category deep dive: overall 2024 figures and declining illicit crypto volume on TRON. Checked 4 Nov 2026.
  4. Circle Internet Financial (issuer) — USDC Terms, Section 13 'Risk Factors & Disclosures' - 'Blocked Addresses & Forfeited Funds' and 'Blocklisting' (12 Dec 2025). Checked 4 Nov 2026.
  5. Circle — USDC Contract Addresses. Checked 4 Nov 2026.
  6. Circle — What You Need to Know: Native USDC on Polygon PoS (28 Sept 2023). Checked 4 Nov 2026.
  7. Polygon Labs — Native USDT0 Comes to Polygon for Lower Fees and Deeper Liquidity (27 Aug 2025). Checked 4 Nov 2026.
  8. OpenZeppelin — USDT0 Child Token Audit (3 Nov 2025). Checked 4 Nov 2026.
  9. Tether — Terms of Service (26 Feb 2026). Checked 4 Nov 2026.
  10. FBI Internet Crime Complaint Center (IC3) — Scammers Target and Exploit Owners of Cryptocurrencies in Liquidity Mining Scam (21 Jul 2022). Checked 4 Nov 2026.
  11. Polygonscan — Private Token Ignore List (24 Oct 2025). Checked 4 Nov 2026.
  12. Polygonscan — What is an Address? (24 Oct 2025). Checked 4 Nov 2026.
  13. Polygonscan — Address Watch List (24 Oct 2025). Checked 4 Nov 2026.
  14. Polygon Labs — Available stablecoins. Checked 4 Nov 2026.
  15. U.S. Department of Justice — USA v. Gotbit – Complaint for Forfeiture (No. 1:25-cv-10715) (27 Mar 2025). Checked 4 Nov 2026.