How It Works — Escrowr

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Seller creates a trade

The seller sets their USDT amount and INR rate. The platform checks that the rate is within ±2% of the live market price (AML policy). The seller selects a bank account — the account holder name must exactly match their KYC legal name (penny-drop verified). This is the #1 lever against mule accounts.

Seller actionRate locked at creationBank name-match enforced

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Trade link generated — buyer opens it

A unique, token-protected trade URL is generated. New buyers are gated: they must complete KYC (PAN + govt ID + liveness + bank) before seeing any trade details. Existing verified buyers proceed directly to the trade summary.

KYC gate enforcedOne link per tradeLink expires with trade

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Seller deposits USDT to the escrow address

A fresh HD-wallet-derived TRC20 address is generated specifically for this trade — no co-mingling of funds. The blockchain monitor watches for the exact USDT amount. Confirmation threshold: 19 blocks (~1 minute on Tron). The seller has 60 minutes to deposit before the trade auto-expires.

Per-trade address19-block confirmation60-min deposit window

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Funds locked — bank details revealed

Only after on-chain confirmation are the seller's bank details shown to the buyer. This is the platform's core security guarantee: a buyer can never pay to a bank account that doesn't have corresponding USDT locked in escrow. The countdown for buyer payment starts here.

Core security guaranteeDetails revealed only after lockPrevents pay-and-disappear

Key security design: Bank details are never visible until USDT is locked. You cannot be scammed into paying without escrow coverage.

💳

Buyer transfers INR and uploads proof

The buyer transfers the exact INR amount via NEFT, IMPS, or UPI. They then submit their UTR reference number and a payment screenshot or PDF. The platform flags any amount mismatch or UPI last-4 mismatch against KYC records. Buyer has 15–30 minutes (seller-configurable) to pay.

UTR requiredAmount-exact enforcementMismatch auto-flagged

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Seller confirms → USDT released automatically

The seller verifies the UTR in their bank app or statement (not just from the screenshot), then checks four mandatory confirmation boxes. Only then can they click "Confirm". The platform immediately releases the USDT from the escrow wallet to the buyer's wallet on the Tron network. The trade is closed, the receipt is generated, and the audit trail entry is written.

Seller verifies bank directly4-step confirmation checklistIrreversible on-chain release

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If something goes wrong

If the seller doesn't confirm within the window after the buyer submits proof, the buyer can raise a dispute. The trade freezes instantly — no USDT is released or refunded automatically. A compliance officer reviews all evidence (chain proof, payment screenshot, KYC data, chat logs) and makes a binding decision. Typical resolution: 24–48 hours.

Learn about disputes →

How every trade works.