Wallet Checks
Every Payments payment checks both wallets for free. On top of that, either side can pay for a deeper analysis of the other side's wallet.
The Free Check
It runs on the paying and the receiving wallet before a payment is built, on every invoice, send and batch.
| What Is Checked | Where |
|---|---|
| The OFAC sanctions list (SDN), from a copy Vurto keeps updated | Every network |
| Whether the stablecoin issuer froze the wallet: USDC and EURC (Circle), USDT (Tether), PYUSD and USDG (Paxos), USD1 (World Liberty) | Solana |
| A money trail up to three hops back | Solana |
The verdict is one of three:
- Passed: the payment can go ahead.
- Blocked: a sanctioned or frozen wallet. The payment is not built, and a payment reported from a blocked payer does not count as paid.
- Unavailable: the network could not be read right now. That never counts as passed: try again in a few seconds.
Plain swaps do not run this check. It belongs to Payments.
The Paid Analyses
They send the wallet address, and only the address and its network, to an outside company. That is why they only run when someone chooses them.
| Tool | What It Says | Networks |
|---|---|---|
| Merkle Science, through Didit | A risk score from 0 to 100, from where the wallet's money came from. It catches a dirty wallet that is on no list. | Ethereum, Optimism, BNB Chain, Polygon, Base, Arbitrum One, Solana |
| Scorechain | Whether the wallet is on a sanctions list: listed or clear. | All ten networks |
Who Pays For Which
- The receiver analyzes the payer. When you create an invoice, you can ask for the analysis of the wallet that will pay you. It has a fee by brackets, taken from what you receive, and covers both wallets. See Fees.
- The payer analyzes the receiver. Before paying, you can buy the analysis of the receiving wallet with your own money, at the price of one wallet: Merkle Science $0.40, Scorechain $0.10. Pay for it before paying the invoice if you want its verdict to count.
- A batch analyzes every destination, at the price of one wallet each. See Batch Payouts.
What Refuses A Wallet
- A Scorechain listing.
- A Merkle Science score of 70 or more (high and critical risk), always.
- A Merkle Science score above the risk limit of whoever asked. Each wallet sets its own limit, from 0 to 69, starting at 40, one for receiving and one for sending. The link What The Levels Mean, next to the slider, explains the levels.
The private contract is stricter: its entry refuses from a score of 40 on. See Vurto Private Contract.
If A Tool Is Down
If a tool is not answering, Vurto says so and charges nothing: an invoice that needs it is not created, and the option is shown as unavailable. A paid analysis is never sold as a free lookup: it only runs tied to a payment.
Lists and scores reflect what is known at the time of the check. A clean result lowers the risk of dealing with a wallet, and does not prove where every coin in it came from.