The transaction infrastructure
for modern commerce
TrustedPayer is a purpose-built transaction layer that handles agreement creation, segregated custody, milestone verification, and controlled payouts. You own the customer experience; TrustedPayer guarantees the workflow integrity.
Four clean architectural layers
Cleanly decouple customer acquisition from transaction risk and financial custody.
Your Application
Your web app, iOS/Android mobile apps, merchant dashboard, or checkout flow. You own 100% of the customer journey.
TrustedPayer Engine
Deals, Parties, Milestone verification, Inspection windows, and Deterministic Dispute Pauses.
Ledger & Audit
Cryptographic audit trails, immutable double-entry balances, and signed event streaming.
Regulated Custody
Licensed banking partners holding funds in segregated, bankruptcy-remote escrow trust accounts.
Objects your engineers will build with
The data model is deliberately small and deterministic. Select any object to view its state lifecycle and representative JSON payload.
Deal
The core agreement: parties, total amount, currency, terms, release conditions, and dispute rules.
{
"id": "deal_01H8X...",
"currency": "NGN",
"amount": 750000,
"status": "funded",
"release_condition": "buyer_confirmation",
"parties_count": 2
}What each module changes in your product
Modular components that integrate independently. Start with simple two-party releases and scale into complex milestone escrow.
Deals & Agreements
Create and govern transaction terms between 2 or more parties with strict schema validation and programmable release conditions.
- Customizable release rules (buyer confirmation, milestone signoff, courier delivery)
- Multi-party support (buyer, seller, broker, platform fee)
- Strict state machine with zero ambiguous intermediary states
Segregated Wallets & Custody
Programmatic escrow balances held with licensed financial custody partners, separated completely from operational capital.
- Per-deal virtual account generation and dynamic payment links
- Immediate cryptographic proof of fund isolation upon confirmation
- Double-entry ledger ensuring zero math discrepancy
Milestone Checkpoints
Break high-value transactions or multi-month contracts into granular checkpoints with individual approval triggers.
- Partial release orchestration per milestone sign-off
- Mandatory file attachment and deliverable verification
- Automatic expiration timers and inactivity safeguards
Delivery & Inspection Windows
Bridge physical logistics and digital handoffs with automated couriers and configurable inspection grace periods.
- Real-time courier dispatch status webhook sync
- Configurable inspection countdowns (e.g. 48h to inspect goods)
- Auto-release fallback if buyer fails to inspect after verified delivery
Dispute & Evidence Management
Deterministic exception handling that pauses relevant payouts instantly while preserving a verifiable audit trail.
- Instant freeze on contested funds with zero partial leakage
- Structured evidence submission portal for buyer and seller
- Platform admin resolution APIs and fair arbitration workflows
Signed Events & Replay
Keep internal databases, ERPs, and customer apps in lockstep with HMAC-SHA256 signed webhooks and full replay logs.
- Cryptographic request validation to prevent tampering
- Automatic exponential backoff retries over 72 hours
- On-demand event replay via developer dashboard or API
Who does what, in plain language
A trust platform fails when responsibility is ambiguous. We document this precise division for every production integration.
| Operational Area | TrustedPayer Role | Your Application Role |
|---|---|---|
| Customer Relationship | Provides the headless transaction capability, APIs, and state machine | Owns the customer branding, onboarding journey, user support, and front-door UI |
| Agreement Terms | Enforces strict validation, state consistency, and cryptographic immutability | Captures commercial terms from your customers and confirms mutual agreement |
| Fund Custody & Flow | Orchestrates segregated custodial holding through licensed banking partners | Presents the funding methods to users and reflects real-time status in your UI |
| Release Execution | Executes payout release only when configured programmatic conditions are fulfilled | Sends the verified confirmation trigger or inspection signoff from your platform |
| Identity & Verification | Integrates biometric and registry verification flows (NIN, BVN, CAC) | Applies internal KYC tiers, fraud rules, and user qualification standards |
| Dispute Arbitration | Provides the freeze mechanism, evidence aggregation, and resolution engine | Defines mediation policies and communicates directly with end-users |
| Financial Reporting | Generates signed webhook events, audit logs, and double-entry ledger exports | Reconciles payouts against internal accounting, taxation, and treasury systems |
Ready to test transaction lifecycles?
Open the sandbox to create mock deals, simulate customer funding states, and inspect HMAC signed webhooks in your browser.