v.2026Escrow, reinvented for peer-to-peer trade.

Money in motion, held with intent.

ARXHOLD is escrow for high-stakes peer-to-peer transactions. Funds wait in a vault. A verified agent meets the seller, inspects the item, and signs off. Then — and only then — money moves.

Get the app How it works

iOS · Android · WebKYC-verified partiesHuman dispute arbiters

Receipt · TXN-08742

Item price$1,850.00

Platform fee (5%)$92.50

Agent inspection$15.00

Total held$1,957.50

arxhold

Good morning

Maya.

Held in escrowSECURED

$4,280.65

ININSPECTOKOUT

Active

Pending

Disputed

Done

Recent

See all →

BUYING · 6h

Vintage Leica M6

with Theo van Aalst

$3,200.00Agent assigned

BUYING · 2d

MacBook Pro 14" M3

with Liam Cohen

$1,850.00Inspecting

SELLING · 1d

Brand identity — Solstice

with Renko Studio

$2,400.00Awaiting funds

Home

Transactions

Alerts

Profile

TXN-08742Leica M6$3,200.00INSPECTING · BrooklynTXN-08741'97 Defender 90$48,500.00AGENT ASSIGNED · LisbonTXN-08739Submariner ref. 14060$7,850.00RELEASED · TokyoTXN-08738MacBook Pro 14" M3$1,850.00INSPECTING · BrooklynTXN-08737Riso print run · 200$420.00RELEASED · BerlinTXN-08736Brand identity — Solstice$2,400.00FUNDING · NYCTXN-08735domain · solstice.tea$4,500.00DISPUTED · remoteTXN-08742Leica M6$3,200.00INSPECTING · BrooklynTXN-08741'97 Defender 90$48,500.00AGENT ASSIGNED · LisbonTXN-08739Submariner ref. 14060$7,850.00RELEASED · TokyoTXN-08738MacBook Pro 14" M3$1,850.00INSPECTING · BrooklynTXN-08737Riso print run · 200$420.00RELEASED · BerlinTXN-08736Brand identity — Solstice$2,400.00FUNDING · NYCTXN-08735domain · solstice.tea$4,500.00DISPUTED · remote

How it works

Four steps from handshake to settled.

No more wire-transfer trust falls. No more "send the money first" arguments. ARXHOLD walks both sides through a documented sequence, so the awkward parts of trading with strangers become routine.

01 / CREATE

Write the deal

Either party drafts the terms — item, price, condition, return window. The other side reviews and counter-signs. Nothing moves until both agree.

02 / FUND

Buyer funds escrow

Card, bank, or transfer. Funds are held by our licensed payment partners — Stripe and Flutterwave — until release. The seller can see the money is real, but cannot touch it yet.

03 / INSPECT

Agent verifies

A verified nearby agent meets the seller, photographs the item, and confirms it matches the listing. Or the buyer self-inspects on delivery. Both are documented.

04 / RELEASE

Funds release

On approval, money lands in the seller's account. Disputes go to a human arbiter, with a 24-hour appeal window before any disbursement. Either way, the whole audit trail is downloadable.

The ARXHOLD difference

We send
a human.

On physical-goods deals, you can opt to have a verified ARXHOLD Agent inspect the item before funds release. They meet the seller, photograph the goods against the listing, run a serial-number check where relevant, and sign off — or flag.

Agents are KYC-verified and background-documented, matched by proximity — within 50 km by default. And they're paid the same flat fee whether they approve or reject. Their loyalty is to the truth of the inspection, not the size of the sale.

Find an agent near you →Become an agent

Liam Cohen

Brooklyn · NY

Verified

247

Inspections

4.97★

Rating

38m

Avg time

Current job

TXN-08742

Vintage Leica M6 · body only

Seller: Theo van Aalst · meeting at 14:30

FUNDEDINSPECTINGAPPROVEDRELEASED

24h

Appeal window after every dispute ruling, before any funds move. An appeal escalates to a senior review.

Supported currencies — USD, EUR, GBP, NGN, KES, ZAR, INR, SGD, AED and more.

$15

Flat agent inspection fee. Escrowed at funding, and the same whether the agent approves or rejects.

Under the hood

Boring on purpose. Watertight by design.

01 · receipt of truth

Every action timestamped, signed, downloadable.

Each step in a transaction is logged — fund, ship, inspect, release, dispute. Export the full audit trail as a signed PDF at any time. The kind of paper trail that ends arguments.

14:02 TXN-08742 created · buyer maya@

14:08 $1,957.50 funded · ch_3Pr…

09:15 agent.assigned · liam.c@arxhold

14:31 inspection.passed · 6 photos · sig 0x4f7e…

02 · disputes

When deals go sideways, real people decide.

A human ARXHOLD arbiter reviews the audit trail, photos, and both parties' evidence, then rules. A 24-hour appeal window follows before any funds move. No automated kangaroo court, no chargeback roulette.

Disputedarbiter.assigned · 18m ago

Buyer evidence3 files

Seller responseawaiting

03 · money math

Transparent fees.

5% platform fee per transaction — minimum $1, capped at $500. $15 flat if you opt for an agent inspection. That's the entire pricing model. No subscription, no surprise add-ons.

04 · safety

KYC verified, both sides.

Both parties verify identity before a deal opens. Funds are held by licensed payment partners — Stripe and Flutterwave — until release, never on our balance sheet.

05 · milestones

Stage-gated escrow.

Split a project into milestones — each one independently funded, inspected, and released. Built for services and multi-stage work where "done" happens more than once.

Built for high-ticket

The trades you'd rather not wire.

Cameras & electronicsWatches & jewelryCars & motorcyclesDomain & IP transfersFurniture & artFreelance projectsRental deposits

Vintage Leica M6 — body only

Listed by Theo van Aalst · Amsterdam

Held

TXN-08742$3,200.00

A camera worth more than the wire-transfer panic.

Maya found Theo's Leica listed in a private collectors' forum. He's in Amsterdam, she's in Brooklyn. Neither would normally ship a vintage Leica before payment, and neither would normally wire $3,200 to a stranger. With ARXHOLD, Maya funded the escrow, an Amsterdam agent inspected the body, the shutter count was confirmed at 4,212 — and on approval, Theo got paid the next morning.

— an illustrative example.

Pricing

No subscription. No surprises.

Pay only when you transact. Fees are visible up front, included in the receipt, and applied to the buyer's funding total by default — though either party can absorb them, or split them.

Standard

Self-inspect

For digital goods, services, and low-risk deliveries.

Per transaction · min $1 · capped at $500

Full audit trail & signed receipt
KYC for both parties
Human arbitration · 24h appeal window
iOS, Android, and Web

Most chosen

Agent inspection

For physical items you want verified in person.

5% + $15 flat

Agent fee · escrowed at funding · buyer-paid

Everything in Standard, plus —
Verified nearby agent meets seller
Photos & condition report
Serial / signature / authenticity check
Approve-or-reject, same flat fee

Projects

Milestone deals

For multi-stage projects and services.

Per milestone · same caps apply

Each milestone independently funded
Inspected & released stage by stage
Per-milestone agent quotes & bidding
One audit trail across all stages

Start a milestone deal →

Questions

Things people ask before their first deal.

Can't find the answer? Email us — we read every one.

What happens if the item arrives broken?

You have an inspection window from delivery — set it on the deal terms, up to 30 days. Open a dispute, attach photos and a description, and the seller is notified and responds with their own evidence. A human ARXHOLD arbiter reviews both sides and rules — full refund, partial refund, or release. A 24-hour appeal window follows before any funds move, and an appeal escalates the case. Funds stay in escrow the whole time.

Is ARXHOLD actually a bank?

No. Your funds are held by licensed payment partners — Stripe and Flutterwave — until release. We never touch the money operationally — we only authorize movement based on the documented agreement between you and the other party.

How are agents vetted?

Every agent is KYC-verified and background-documented before they can take a job, and matched to deals by proximity — within 50 km by default. They're paid the same flat fee whether they approve or reject, so their incentive is the truth of the inspection, not the outcome of the sale.

How do milestone deals work?

Split the project into stages. Each milestone is independently funded, inspected, and released — the seller is paid as stages complete, and the buyer never pays ahead of delivered work. Agents can quote per milestone, and the same fee model applies to each stage.

Can I use ARXHOLD internationally?

Both parties need to be KYC-verified, but they don't need to live in the same country. We support 14 currencies today — USD, EUR, GBP, NGN, KES, ZAR, INR, SGD, AED and more. Agent coverage varies by location.

Who pays the fees?

By default, the buyer pays the platform fee on top of the item price. Either side can absorb it, or split it 50/50 — set it on the deal terms before both sides sign. The agent inspection fee is always paid by the buyer and escrowed at funding.

Ready