HomeHow It Works
The Process

Safe transactions
in 4 simple steps

Flux Escrow sits between you and the other party — holding funds safely until everyone honours their obligations. Here's exactly how it works.

01
Create
Both parties agree on terms and amount
02
Fund
Buyer deposits money into escrow
03
Deliver
Seller delivers goods or services
04
Release
Buyer approves, funds released to seller
01

Create Your Transaction

The buyer or seller creates a transaction on Flux Escrow. You define the title, description, amount, currency, inspection period, and any milestones. Both parties receive an email invitation to review and digitally agree to the terms before any money moves.

  • Set your own inspection period (1–180 days)
  • Add up to 20 milestones for complex projects
  • Invite the other party by email — they don't need a prior account
  • All terms are locked once both parties agree
02

Buyer Deposits Funds

Once both parties have agreed to the terms, the buyer deposits the full amount into Flux Escrow's regulated holding account. The seller is immediately notified and can start delivering the goods or services knowing payment is secured and cannot be reversed unilaterally.

  • Deposit via bank transfer, card, crypto, or mobile money
  • Funds are held in segregated, regulated trust accounts
  • Seller can see the escrow is funded and funded amount
  • No chargeback risk — payment is locked until both sides agree
03

Deliver & Inspect

The seller delivers the goods or services. The buyer inspects everything during the agreed inspection period. If satisfied, they click "Approve" and the funds release instantly. If there's an issue, they raise a dispute for our expert team to mediate.

  • Seller uploads proof of delivery or deliverables
  • Buyer has the full inspection period to verify
  • Raise a dispute at any point during inspection
  • Both parties can communicate through the platform
04

Funds Released

Once the buyer approves (or the inspection period expires without a dispute), funds are released instantly to the seller's Flux Escrow wallet. The seller can withdraw to their bank account or crypto wallet at any time. Both parties receive a full transaction record.

  • Instant release to seller's wallet on approval
  • Automatic release when inspection period ends (if no dispute)
  • Withdraw to bank, crypto wallet, or mobile money
  • Full transaction record and receipt for both parties

Transaction status flow

Draft
Transaction created, terms being set
Pending Agreement
Both parties reviewing and accepting terms
Funded
Buyer has deposited funds into escrow
In Progress
Seller is delivering goods/services
Inspection
Buyer reviewing the delivery
Completed
Buyer approved — funds released to seller
Disputed
Either party raised an issue — our team reviews and makes a binding decision within 5 business days

Common questions

How long does it take to start a transaction?

Under 5 minutes. Create an account, click "New Transaction", fill in the details, and invite the other party.

What currencies are supported?

We support 50+ fiat currencies including USD, EUR, GBP, AED, NGN, GHS, KES, and 10+ major cryptocurrencies.

Who sets the inspection period?

The party creating the transaction sets it — from 1 to 180 days. Both parties must agree before funding.

What if the seller doesn't deliver?

Raise a dispute during the inspection period. Our team reviews evidence from both sides and makes a binding decision.

Can I cancel a transaction?

Yes, before funding there's no charge. After funding, cancellation requires mutual consent or a dispute resolution.

When does the seller receive funds?

Instantly when the buyer approves, or automatically when the inspection period expires without a dispute.

Ready to create your first escrow?

It takes less than 5 minutes to set up a secure transaction.

Get Started Free