diff --git a/scripts/monitor-deposits.ts b/scripts/monitor-deposits.ts
new file mode 100644
index 0000000000..9ee4ecb17c
--- /dev/null
+++ b/scripts/monitor-deposits.ts
@@ -0,0 +1,51 @@
+/**
+ * Template deposit monitor for HighloadWalletV3
+ * - Computes contract address from config
+ * - Polls the RPC (or subscribes) for transactions to that address
+ * - Detects incoming native TON transfers and calls a placeholder `onDeposit` handler
+ *
+ * Replace the placeholder code with your TonClient RPC calls and DB/business logic.
+ */
+
+import 'dotenv/config';
+import { contractAddress } from '@ton/core';
+import { HighloadWalletV3Code } from '../wrappers/compiled';
+import { beginCell } from '@ton/core';
+
+
+const RPC_URL = process.env.RPC_URL || 'https://net.ton.dev';
+const WORKCHAIN = Number(process.env.WORKCHAIN || 0);
+const SUBWALLET_ID = Number(process.env.SUBWALLET_ID || 0x10ad);
+const TIMEOUT = Number(process.env.TIMEOUT || 3600);
+
+const code = beginCell().endCell();
+const data = beginCell().endCell();
+const init = { code, data };
+const address = contractAddress(WORKCHAIN, init);
+
+console.log('Monitoring deposits for address:', address.toString({ urlSafe: true, bounceable: true }));
+
+async function onDeposit(tx: any) {
+    // TODO: implement mapping from tx -> user (memo, query_id, off-chain mapping)
+    console.log('Deposit detected:', tx);
+    // Example: credit internal DB, notify user, etc.
+}
+
+async function pollOnce() {
+    try {
+        // TODO: Replace with TonClient or provider calls to fetch transactions for `address`
+        // Example pseudocode:
+        // import { TonClient } from '@ton/ton';
+        // const client = new TonClient({ endpoint: RPC_URL });
+        // const txs = await client.getTransactions(address);
+        // for (const tx of txs) { if (tx.incoming && tx.value > 0) await onDeposit(tx); }
+
+        console.log('Polling (template) — implement RPC polling/subscription here.');
+    } catch (e) {
+        console.error('Polling error:', e);
+    }
+}
+
+setInterval(() => {
+    pollOnce().catch(console.error);
+}, 15_000);