Build escrow-based marketplaces where trust is enforced by software, not promises.
I build secure, escrow-based marketplace platforms where payments, delivery, and trust are enforced by software, not promises. Artificially creating a platform for honest transactions.
Who This Is For
Founders and operators building two-sided or multi-party marketplaces that require payment protection, milestone releases, or dispute control.
Marketplace Founders
Building platforms connecting buyers and sellers who need payment security and trust mechanisms.
Service Platform Operators
Creating platforms for high-value B2B services requiring milestone-based payments.
E-commerce Innovators
Launching social commerce or WhatsApp-based marketplaces needing escrow protection.
What "Escrow-Powered" Means
Funds are held securely and released only when predefined conditions are met, reducing fraud, chargebacks, and platform liability.
Secure Fund Holding
Payments are locked in escrow until delivery confirmation or milestone completion.
Conditional Release
Automated release based on predefined conditions - no manual intervention needed.
Built-In Trust
Both parties protected - sellers get paid, buyers receive what they ordered.
Problems This Solves
Stop payment disputes, build instant trust between users, and remove manual intervention from sensitive financial workflows.
Payment Disputes & Fraud
Chargebacks and "I didn't receive it" claims drain time and money
Escrow holds funds until proof of delivery, eliminating false claims
Trust Barrier
New users hesitate to transact on platforms without reputation
Built-in escrow creates instant trust - software guarantees fairness
Manual Intervention
Every dispute requires customer support to investigate and decide
Automated release logic based on milestones and confirmations
Platform Liability
You're held responsible when transactions go wrong
Clear fund separation and automated workflows reduce your risk exposure
Core Marketplace Features
User roles, wallets, escrow logic, milestone payouts, dispute flows, admin oversight, and full transaction visibility.
User Role Management
Buyers, sellers, service providers, and admins - each with appropriate permissions and workflows
Digital Wallets
In-platform wallets for deposits, withdrawals, and balance tracking with full transaction history
Escrow Logic Engine
Automated fund holding and release based on configurable conditions and confirmations
Milestone Payouts
Split payments across project phases with conditional release for each milestone
Dispute Workflows
Structured dispute submission, evidence upload, and resolution with time-based escalation
Admin Dashboard
Full platform oversight with transaction monitoring, dispute management, and analytics
Transaction Audit Logs
Immutable records of every transaction, state change, and fund movement
KYC/AML Integration
Identity verification and compliance checks before high-value transactions
Rating & Reviews
Post-transaction reviews and ratings to build seller reputation and buyer confidence
Payment & Compliance Architecture
Integration with compliant payment providers, KYC/AML considerations, audit logs, and region-aware payout flows.
Payment Providers
Stripe
Global payments with built-in fraud protection and compliance
PayStack
Optimized for African markets with local payment methods
Flutterwave
Pan-African payment infrastructure with mobile money support
Nomba (formerly Kudi)
Nigerian-focused payments with USSD and transfer options
Compliance & Security
KYC/AML Checks
Identity verification for high-value transactions and sellers
Audit Trails
Complete transaction logs for regulatory compliance and disputes
Fund Separation
Clear separation between platform revenue and user funds
Region-Aware Flows
Payout methods adapted to user location and currency
Dispute Resolution Flow
Structured dispute logic with evidence submission, time-based escalation, and controlled fund release decisions.
Dispute Initiation
Either party can open a dispute within a defined window (e.g., 7 days after delivery). Funds remain locked in escrow during investigation.
Evidence Submission
Both parties upload evidence (photos, messages, delivery confirmations). All submissions are timestamped and logged for transparency.
Time-Based Escalation
If no response within 48 hours, case auto-escalates to admin review. Prevents one party from stalling the process indefinitely.
Admin Decision
Platform admin reviews evidence and makes final decision: full refund, full release, or partial split based on findings.
Controlled Fund Release
Funds are released according to admin decision. Both parties are notified. Transaction is marked complete with resolution details in audit log.
Technology Stack
Modern, scalable stack designed for high-trust financial systems.
Backend
High-performance async framework for financial APIs
ACID-compliant transactions for financial integrity
Real-time data caching and session management
Background tasks for escrow logic and notifications
Frontend
Server-side rendering for SEO and performance
Type-safe development to prevent runtime errors
Rapid UI development with consistent design
Live transaction updates and notifications
Infrastructure & Security
Security & Risk Posture
Built with least-privilege access, tamper-resistant records, and clear separation between platform funds and user balances.
Least-Privilege Access
Users and admins only access what they need. No one - including you - can arbitrarily move funds outside defined workflows.
Tamper-Resistant Records
All transactions are logged immutably. Audit trails cannot be edited or deleted, ensuring transparency and accountability.
Fund Separation
Platform revenue (fees) kept separate from user escrow balances. Clear accounting prevents commingling of funds.
Encryption at Rest & Transit
All sensitive data encrypted using industry-standard protocols. Payment credentials never stored directly.
Transaction Monitoring
Real-time fraud detection and anomaly alerts. Suspicious patterns flagged for review before fund release.
Compliance-Ready
Built with KYC/AML requirements in mind. Easy to add compliance checks as you scale to new regions.
Example Use Cases
From freelance marketplaces to social commerce, escrow powers trust in diverse transaction types.
Freelance Marketplaces
Connect clients with freelancers. Funds held until work is approved, with milestone releases for larger projects.
- Project-based escrow
- Milestone payments
- Revision workflows
WhatsApp Marketplaces
Social commerce on WhatsApp with escrow backend. Buyers pay to platform, sellers ship, funds release on delivery.
- Chat-based ordering
- Delivery confirmation
- Seller verification
Service Platforms
Handyman, teachers, tutors, job-seeking platforms. Escrow ensures payment for completed services.
- Booking & escrow
- Service completion check
- Rating system
Digital Asset Exchanges
Trade digital assets, domains, or licenses. Escrow prevents scams and ensures both parties fulfill obligations.
- Asset transfer verification
- Ownership proof
- Automated release
Teacher & School Platforms
Connect students with tutors or schools. Payment held until course completion or attendance verified.
- Course enrollment
- Progress tracking
- Completion-based release
High-Value B2B Services
Consulting, construction, enterprise software delivery. Milestone escrow for projects spanning months.
- Multi-milestone contracts
- Deliverable verification
- Change order handling
Engagement Model
End-to-end build or technical co-founder style execution, from system design to production-ready deployment.
End-to-End Build
I handle the complete development lifecycle - from architecture design through deployment and handoff.
System Architecture
Database schema, API design, escrow logic flows
Full-Stack Development
Backend APIs, admin dashboard, user interface
Production Deployment
Server setup, CI/CD, monitoring, documentation
Technical Co-Founder
Ongoing partnership where I act as your technical co-founder, building and evolving the platform with you.
Strategic Planning
Feature prioritization, technical roadmap, scaling strategy
Iterative Development
Launch MVP, gather feedback, add features based on usage
Ongoing Optimization
Performance tuning, security updates, new integrations
Typical Timeline
Week 1-2
Discovery, architecture design, escrow flow mapping
Week 3-6
Core development: user auth, wallets, escrow engine, admin panel
Week 7-8
Payment integration, testing, deployment, handoff documentation
Why Work With Me
You're working directly with the builder designing the system logic, not a sales layer or outsourced team guessing requirements.
No Middlemen
You communicate directly with the person writing the code. No project managers translating your requirements incorrectly.
Financial Systems Experience
I've built payment systems and financial platforms. I understand the stakes when money is involved.
Startup Speed
One of the startups I launched made over $20,000 in its first 9 months. I build fast and ship to real users.
Full Transparency
You see the code as it's written. You own everything - no vendor lock-in, no proprietary black boxes.
Tomilola Oluwafemi
Nigeria's Top-Rated Software Developer
Let's Discuss Your Marketplace
Tell me about your marketplace model, escrow flow requirements, and risk profile. I'll provide a technical approach and timeline - before any code is written.
No obligation. Just a conversation about what you're building.
Amazing Testimonials
Emmanuel Ajayi
Snr Marketer at Wakanow
Our old website at CNGExpert was losing us customers - bounce rate was 78% and we hadn't gotten a single inquiry in 3 months. After Tomilola rebuilt our site, bounce rate dropped to 32% and we closed 4 new contracts worth $85K in the first 6 weeks.