Ekfuingei/WekaTrust

Secure peer-to-peer transactions with intelligent escrow protection - Building trust in digital commerce across Africa # WekaTrust - Mobile-First Escrow Platform for Africa > **Secure peer-to-peer transactions with intelligent escrow protection - Building trust in digital commerce across Africa** --- ## Table of Contents - What is WekaTrust? - The Problem We Solve - How It Works - Business Model - System Architecture - Technology Stack - Directory Structure - Database Schema - Key Features - User Flows - Payment Integration - Dispute Resolution - Getting Started - Operations Guide - Scaling Strategy - Legal & Compliance --- ## What is WekaTrust? WekaTrust is a **mobile-first escrow platform** designed for secure peer-to-peer transactions in Africa. We protect buyers and sellers by holding funds safely until both parties fulfill their obligations. Unlike complex traditional escrow services, WekaTrust is built on a **"3 Taps to Trust"** philosophy - creating transactions, sharing payment links, and releasing funds should be simple enough for anyone with a smartphone. ### Core Value Proposition - **Zero trust required** - Buyers and sellers can transact safely without knowing each other - **Payment protection** - Money held in escrow until delivery confirmed - **Mobile-first** - Optimized for M-Pesa, Airtel Money, and mobile payments - **Social sharing** - Share payment links via WhatsApp, Instagram, Facebook, Twitter - **Fast dispute resolution** - AI-assisted mediation within 48 hours - **Transparent fees** - 1.5% transaction fee (capped at KES 15,000) --- ## The Problem We Solve ### Trust Deficit in Digital Commerce **For Buyers:** 1. **Payment Risk** - Send money, never receive goods/services - No recourse when seller disappears - Bank transfers are final and irreversible 2. **Quality Concerns** - Receive wrong item or poor quality work - No leverage once payment is made - Difficult to prove agreements 3. **Fraud Vulnerability** - Fake sellers take payment and vanish - No protection on social media marketplaces - Limited options for cross-border transactions **For …