Escrow that actually holds funds
Secured money is recorded in an immutable double-entry ledger. A release is a ledger event — not a status change on a page.
MarketX makes buying, selling and paying safer through transparent escrow transactions that protect both sides of every deal. The money is held until the work is done — and both sides agree it is.
Protected transaction
ESC–••••••••
Buyer
Funded
Seller
Delivering
Transaction created
Terms agreed
Funds secured
Held safely by MarketX
Delivery submitted
Both parties confirm
Released only after both parties confirm — or by a documented dispute decision.
Fund with the methods you already use
MarketX is not a payment button on top of a website. It is an escrow engine with a ledger, a confirmation model and a dispute process behind every transaction.
Funds are held by MarketX from the moment a deal is funded until the agreed conditions are met — not paid directly to the other side.
Every transaction has its own page with a complete, timestamped timeline of what happened and who did it.
Sellers submit delivery with notes and supporting files, so completion is a documented event rather than a phone call.
Payments are confirmed server-side with the payment provider. A browser returning from checkout never releases money by itself.
Either side can open a dispute before release. Funds stay locked while evidence is reviewed and a decision is recorded.
Released funds move to your MarketX wallet and can be withdrawn to mobile money, with retries and failure recovery built in.
The same flow protects a marketplace purchase, a freelance project and a private deal between two people.
Describe the deal, the amount and who it is with. Private deals and marketplace purchases both start here.
The other party reviews the amount, the description and the release conditions — then accepts.
The buyer pays through the payment provider. MarketX confirms the payment server-side before marking the deal secured.
The seller completes their side and submits delivery with notes and evidence inside the transaction.
Both parties confirm. Funds are released to the seller's wallet, less the platform fee, and can be withdrawn.
The parts of a transaction that decide whether money moves safely — designed as first-class features, not edge cases.
Secured money is recorded in an immutable double-entry ledger. A release is a ledger event — not a status change on a page.
Neither side can release alone. Both confirmations are recorded with timestamps and identities.
Open a dispute with a reason and evidence. Funds remain locked until a documented decision.
Ask anyone for money with terms attached. Share a secure link — they can review before accepting.
Every marketplace purchase automatically becomes an escrow transaction with delivery confirmation built in.
Balances, fees and payouts are derived from double-entry postings — every figure traces back to an entry.
Invitations, funding, delivery, confirmation, release, disputes and withdrawals — each one by email.
List a product or a service, and every checkout becomes an escrow transaction automatically. The buyer funds it; the seller delivers; both confirm. Reviews are only possible after a completed, released purchase.
What you can list
Marketplace payouts follow the same escrow release rules as every other transaction.
The most important question in escrow is simple: is the money really there, and has it really been released? MarketX answers both from the server and the ledger — never from what a browser claims.
The same funds can never be released twice, refunded twice, or paid out twice. Every financial operation carries an idempotency key, and every ledger transaction balances to zero.
A completed payment is only accepted after an authenticated check with the provider.
Provider callbacks are hashed and deduplicated; payloads are never trusted as proof of payment.
Balances cannot be edited. Corrections are compensating entries, and every posting balances to zero.
Administrative actions are permissioned and written to an audit log with the acting identity.
Sign-ins are bound to server-side sessions that can be revoked immediately.
HTTPS everywhere, with strict transport and content-type protections.
MarketX exists for the moment before trust is established: the first order from a new supplier, the deposit for a project, the item bought from someone you have never met.
Marketplace sellers
Ship only after the buyer's money is secured.
Service businesses
Agree scope, deliver, and get paid on confirmed completion.
Freelancers
Take on new clients without chasing invoices.
Private deals
Buy and sell between individuals — even off-platform.
No subscription and no setup cost. You only pay when a protected transaction completes.
Platform fee
2.5%
charged when funds are released
Escrow means a neutral party holds the money while a deal is completed. On MarketX, the buyer funds the transaction, MarketX holds those funds, and they are released to the seller only when the agreed conditions are met.
After both parties confirm completion. Either party can open a dispute before release, which locks the funds until the dispute is resolved.
Open a dispute from the transaction page, choose a reason and submit evidence. The other side can respond, and funds remain locked until a decision is recorded.
Funding is processed by our payment partner, Xdigitex Pay. Depending on your country you can pay with M-Pesa, Airtel Money, card, other African mobile money networks, or crypto.
A 2.5% platform fee is charged when funds are released. Payment-provider fees are shown by the provider at checkout and are separate from the platform fee.
No. Anyone with an email address can create a MarketX account, send or receive protected payments, and buy or sell.
Create an account, invite the other party, and let MarketX hold the money until the work is done.