Escrow & Trade Finance
Built for African Commodities
Protect every transaction with verified escrow, trade financier advances, and insurance. Funds stay locked until delivery terms are met.
How it works
From order to payout: secure, transparent, and backed by escrow, trade finance, and insurance.
From order to release
End-to-end flow with escrow, advance, and insurance.
Order & contract
Order & contract
Buyer places a bid; seller accepts. Afrovalley generates a blockchain-based smart contract with product specs, payment terms (100% in escrow), delivery (e.g. FOB Djibouti), penalties, and insurance. Both parties e-sign with their digital IDs.
USDT to escrow
USDT to escrow
Buyer sends 100% of contract value (e.g. USDT) to the escrow wallet—a 3-of-5 multisig held by Afrovalley, Trade Financier, Insurance, Buyer, and Seller. Funds are locked with order and contract metadata; all parties are notified.
Trade financier advance
Trade financier advance
Upon escrow confirmation, the trade financier advances up to 50% of contract value to the seller. Treasury converts USDT to USD, then to local currency (e.g. ETB), deposited to the seller's bank within 48 hours. Repaid with a fee (e.g. 5%) at contract completion.
Insurance
Insurance
Insurance covers shipment loss, quality non-compliance, and delivery delays. Terms are in the smart contract. Claims are filed via the platform with evidence; disputes can tie into insurance payouts.
Delivery & release
Delivery & release
Seller uploads quality reports and export docs. At FOB Djibouti, bill of lading is issued. Once validated, escrow releases 100% to the Treasury; funds are converted and sent to the seller's bank. Buyer confirms receipt and can rate the transaction.
Multisig escrow
Funds are held in a 3-of-5 multisig wallet. No single party can release them until contract terms are met.
3-of-5 required to release
The escrow wallet requires three of five signers to approve release. This protects both buyer and seller and keeps trade financier and insurance aligned with verified delivery.
Trade financier
A licensed financier provides liquidity so sellers get working capital before delivery. Repayment and fee are settled at contract completion.
Flow
After the buyer deposits 100% into escrow, the trade financier advances up to 50% to the Afrovalley Treasury. The Treasury converts USDT to USD, then to local currency (e.g. Ethiopian Birr), and deposits to the seller's bank within 48 hours. The seller repays the advance plus fee (e.g. 5%) at contract completion; the fee may be paid directly to the financier via Afrovalley per local regulations.
Insurance
Insurance terms are embedded in the smart contract. Claims are filed via the platform with supporting evidence; disputes are handled through Afrovalley's process and can involve the insurer.
Dispute resolution
Disputes can arise from non-delivery, delays, or quality issues. They are filed on the platform with evidence (e.g. lab reports, shipping logs). Afrovalley's arbitration team reviews within about 5 business days; the insurance company may be involved for covered claims. Smart contract penalties (e.g. 2% per week for delays) apply automatically.
Ready to trade with confidence?
Explore the marketplace and discover listings backed by escrow, trade finance, and insurance.