Your tokens can be frozen and taken. You should know why.
Banks and funds that issue tokens on Stellar can freeze them or take them back. Sometimes that's needed: fraud happens, mistakes happen. But today it can happen with no reason given and no way to answer.
Habeas adds a fair process: a public reason, a deadline to answer and a neutral reviewer. If the process stalls, you keep your tokens by default.
Take back (clawback) on Stellar
Mainnet, read live from the public record
- Asset
- USBDCP
- Holder
- GD74GG…MABGZ7
- Amount taken back
- 24,000 USBDCP
- Sent to the holder
- Sep 19, 2026, 02:53 UTC
- Taken back
- Sep 19, 2026, 03:08 UTC
- Transaction
- 86244deb…314a0e6c
- Reason
- Not providedwhy?
- Right to answer
- Not providednobody asked the holder
Sources
- U.S. Bank's announcement
- Tellus Cooperative's analysis (in Spanish)
- The two transactions on Horizon: payment, take back
The record so far
One tally mark per take back…
Today the public record shows what was taken. Never why. Habeas writes the why down first, and gives you a chance to answer.
One case, three copies
Like the carbon form sets banks used to fill in: the issuer, the holder and the reviewer each keep the same record.
Same reason, same deadline, same record. Written on Stellar, so nobody can quietly change their copy.
The same take back, two ways
- A reason
- TodayNot requiredWith HabeasPublic, before anything happens
- Time to answer
- TodayNoneWith HabeasA deadline, and answering is free
- Who decides
- TodayThe issuerWith HabeasA neutral reviewer
- If nobody acts
- TodayThe freeze can last foreverWith HabeasYou keep your tokens
- What you can check
- TodayOnly the act itselfWith HabeasEvery step, on Stellar
Today on Stellar
- A reason
- Not required
- Time to answer
- None
- Who decides
- The issuer
- If nobody acts
- The freeze can last forever
- What you can check
- Only the act itself
With Habeas
- A reason
- Public, before anything happens
- Time to answer
- A deadline, and answering is free
- Who decides
- A neutral reviewer
- If nobody acts
- You keep your tokens
- What you can check
- Every step, on Stellar
How a case works
The issuer opens a case
It has to give a reason in public and add the fingerprint of its file. Your tokens are frozen while the case is open.
Frozen(ticked)Answered(not ticked)Decided(not ticked)Closed(not ticked)You answer
You have until the deadline. Answering is free: Habeas pays the network fee for you.
Frozen(ticked)Answered(ticked)Decided(not ticked)Closed(not ticked)A reviewer decides
Someone outside the issuer reads both sides and decides. Their reason is public too.
Frozen(ticked)Answered(ticked)Decided(ticked)Closed(not ticked)The case closes
Anyone can close it. Cleared: your tokens are unfrozen. Taken back: the case amount goes back to the issuer. If the reviewer never decides, you keep your tokens.
Frozen(ticked)Answered(ticked)Decided(ticked)Closed(ticked)
Case 3
DEMOUSD on testnet
- Holder
- GCTF5I…QVYBGO
- Amount at stake
- 400 DEMOUSD
- Reason
- Suspected fraud
- Opened
- Oct 3, 2026, 12:08 UTC
- Public reason
- “Funding payment reported stolen by the card owner.”
- Fingerprint of the file
- 4d21f27c…fdf0a7f1
- Answer by
- Oct 3, 2026, 12:11 UTC
- Holder's answer
- Not answered yet
- Reviewer's decision
- Waiting
A real case on the Habeas testnet contract, step by step.
Running on Stellar right now
Not a mockup. Every number here is read from the chain or the code, and the evidence page links each one to its transaction.
- cases opened on the testnet contract, read live
- 61
- ways a case can end, each one run on-chain
- 6
- contract tests against Stellar's real token contract
- 54
- verified build, the wasm on testnet matches the code
- e822b7
Check any token
See whether an issuer can freeze or take back a token, whether it has, and whether there's a fair process.
For builders
One Soroban contract per asset, set as the admin of the asset's token contract. Verified build, every step on testnet.