Commerce,
settled
in escrow.
XcroTrust holds funds the moment a deal begins, and releases them only when both parties confirm. No intermediaries. No guesswork. A transparent financial layer between buyer and seller.
TX / 2A4F-9C12
Funds heldTransaction amount
₦485,000
iPhone 15 Pro · Physical goods · 48h inspection
Buyer
Escrow
Seller
Mobile app
Escrow, in your pocket — lock funds, track deliveries, and settle disputes without leaving the chat.
Held securely
₦2.4B+
Protected in escrow
Avg release
<24h
From confirmation
Dispute fairness
99.6%
Evidence-based
Verified users
100%
BVN + NIN KYC
Try it before you transact
The XcroTrust app. Right here.
Open a payment lock, try the transaction flow, and explore the app in your browser. No signup or real payment required.
Why XcroTrust
Built for
trust.
Four structural pillars that make XcroTrust the trust layer for peer-to-peer commerce.
01
100%
Protection
Secure Escrow
Funds are held securely until delivery is confirmed, protecting both buyers and sellers. No party can access locked funds — the transaction either completes fairly, or is resolved through our dispute process.
02
BVN + NIN
KYC Tier
Verified Identities
KYC verification ensures every user is accountable. Every participant is verified against BVN and NIN before transacting — reducing anonymous fraud and building genuine trust across the platform.
03
<72h
Avg. resolution
Fair Disputes
When disagreements arise, both parties submit evidence for impartial review. Our structured resolution process ensures fair outcomes — no one-sided decisions, just transparent mediation.
04
6 steps
End-to-end
Seamless Process
From agreement to payout, every step is protected. Set terms, lock funds, deliver and inspect, then release or resolve — all within a single, intuitive workflow designed for trust.
03 — Mobile
iOS / Android
Escrow, in your pocket.
Create deals, verify counterparties, track releases. Every transaction — every status — on a single, precise surface.
01
iOS
In review
App Store
02
Android
In review
Google Play
03
Min version
iOS 16 +
Android 10 +
04
Release
Q2 2026
Public launch