Pay without fear.
Deliver without loss.

The smart escrow platform for Nigerian social commerce.
Buyer pays KudiKeep first. Seller sends the package. When buyer confirms, seller gets credited instantly in their bank account.

Paystack Rails

2.7% fee (max ₦7k)

24h Inspection

Zero scam risk for buyers•Zero wasted dispatch fees for sellers

Selling or buying already?

How KudiKeep Escrow Works

A bulletproof 3-step security protocol designed to make online transactions between strangers as safe as buying in an open market.

Create & Lock Escrow

Seller generates a deal link with agreed price, item description, and inspection window, then sends the link to their buyer. Buyer transfers payment into a dedicated dynamic virtual bank account.

Funds are locked instantly. Both parties receive WhatsApp/SMS proof of custody.

Dispatch & Handover Code

Seller dispatches with peace of mind knowing money is locked. Upon physical delivery, the buyer provides their 4-digit Code to the courier to confirm receipt of the sealed package.

Rider verifies Code at the door and departs. Funds stay locked in escrow.

Inspect & Release Payout

Buyer unboxes and tests the item inside during their agreed inspection window (3h – 48h). Tapping 'Release Funds' (or timer expiry) instantly disburses payout to the seller's bank account.

Instant settlement via NIP rails. Full unboxing dispute protection.

Built for Nigerian Social Commerce

WhatsApp, Instagram, and Jiji deals fail because neither side trusts the other with money upfront. KudiKeep replaces fear with an automated escrow handshake.

The Traditional Trap

"Pay upfront and pray" or "Pay on delivery" losses

×Buyers get scammed: Transferring money before seeing the gadget leads to blocked numbers and fake waybills.
×Sellers lose dispatch fees: Dispatch riders reach delivery locations only for the buyer to ghost or reject on whims.
×Zero dispute framework: Arguments drag for weeks with zero proof and no neutral arbitration.

Result: Lost deals, wasted courier fees, and constant social media callouts.

The KudiKeep Shield

Guaranteed payment locked before the rider moves

Buyer funds are safe: Money is held in a dedicated CBN-regulated escrow account until physical inspection.
Seller knows money is locked: Dispatch with 100% confidence knowing the buyer has already paid in full.
Secret Delivery Code: Rider hands over the sealed parcel when the buyer provides their 4-digit Code at the door, unlocking the inspection window.

Result: 100% peace of mind, instant NIP bank payout, and zero courier loss.

Transparent Pricing

2.7% Fee. Strictly Capped at ₦7,000.

No hidden costs. No monthly subscription. Pay only when you close a safe deal.

Enter Price of Item to Sell (₦)

₦

Quick amounts:

Who Pays the Escrow Fee?

Payment Breakdown2.7% RATE

Item Selling Price:₦100,000

Total KudiKeep Fee:₦2,700

Buyer Transfers:₦101,350

Seller Receives:₦98,650

The KudiKeep Protection Standard

Built from scratch around the real fraud vectors in Nigerian commerce. Strict, fair rules that protect honest merchants and honest buyers equally.

Secret 4-Digit Delivery Code

Displayed only on the buyer's screen. The rider verifies this code before handing over the parcel. Eliminates claims like 'I never got the item.'

See how it works

Enforced on every deal

Unboxing Video Rule

To protect against fraudulent return claims, buyers must film an uncut video opening the package to qualify for dispute arbitration.

Read video protocol

Enforced on every deal

Auto-Release Timer

Protects sellers if a buyer goes silent after receiving the goods. Once the inspection window passes without dispute, money pays out automatically.

Read inspection rules

Enforced on every deal

Mutual Partial Settlement

Received an item with a minor scratch? Negotiate an instant partial refund (e.g. ₦10,000 refund) directly in the app without lengthy arguments.

Dispute rules

Enforced on every deal

Frequently Asked Questions

Everything you need to know about locking funds, delivery handovers, and dispute arbitration.

When you fund the escrow deal, a unique 4-digit Delivery Code is sent only to your screen. You give this Code to the dispatch rider ONLY when they physically place the sealed package in your hands. This proves the courier delivered it, but your money remains 100% locked in escrow during your agreed inspection window so you can test inside.

Have a specific question or custom escrow requirement?

Our Nigerian support team is available on WhatsApp daily from 8am to 10pm.

Chat on WhatsApp

Ready to trade with total peace of mind?

Generate a link. Share it on WhatsApp, Instagram or DM. Funds stay protected until delivery is verified.

Explore Demo Deal

Pay without fear.Deliver without loss.

How KudiKeep Escrow Works

Create & Lock Escrow

Dispatch & Handover Code

Inspect & Release Payout

Built for Nigerian Social Commerce

"Pay upfront and pray" or "Pay on delivery" losses

Guaranteed payment locked before the rider moves

2.7% Fee. Strictly Capped at ₦7,000.

The KudiKeep Protection Standard

Secret 4-Digit Delivery Code

Unboxing Video Rule

Auto-Release Timer

Mutual Partial Settlement

Frequently Asked Questions

Have a specific question or custom escrow requirement?

Ready to trade with total peace of mind?

Pay without fear.Deliver without loss.

How KudiKeep Escrow Works

Create & Lock Escrow

Dispatch & Handover Code

Inspect & Release Payout

Built for Nigerian Social Commerce

"Pay upfront and pray" or "Pay on delivery" losses

Guaranteed payment locked before the rider moves

2.7% Fee. Strictly Capped at ₦7,000.

The KudiKeep Protection Standard

Secret 4-Digit Delivery Code

Unboxing Video Rule

Auto-Release Timer

Mutual Partial Settlement

Frequently Asked Questions

Have a specific question or custom escrow requirement?

Ready to trade with total peace of mind?

Pay without fear.
Deliver without loss.

Pay without fear.
Deliver without loss.