Commerce,
settled
in escrow.
XcroPay 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
Brand visual
The trust infrastructure for Nigerian commerce — funds held, delivery confirmed, releases signed on both sides.
Held securely
₦2.4B+
Protected in escrow
Avg release
<24h
From confirmation
Dispute fairness
99.6%
Evidence-based
Verified users
100%
BVN + NIN KYC
Why XcroPay
Built for
trust.
Four structural pillars that make XcroPay 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