Contract payments released on proof

Contract work runs on trust — escrow makes it run on proof

Every tender and contract payment has the same tension: the client doesn't want to pay for work not done, the contractor doesn't want to work without guaranteed money. Escrow resolves it. Funds are committed upfront — the contractor sees the money is real — but only released when the milestone is verified.

How to use it

• Agree the milestone — deliverables, amount, deadline, and what counts as "done".
• Fund the escrow — the client deposits by M-Pesa; the contractor sees it's committed.
• Work happens — no chasing deposits, no "I haven't been paid so I can't start".
• Verify and release — client confirms the milestone; funds hit the contractor's M-Pesa instantly.
• Disagree? — a dispute freezes the funds for review instead of someone losing money.

Good uses

• Tender supply deposits — pay suppliers who demand cash before delivering
• Construction and renovation milestone payments (foundation, roofing, finishes)
• Contractor and subcontractor progress payments
• Service retainers where work is verified in stages
• County and institutional supplier payments needing a trust layer

For businesses running many contracts

If your platform or company runs escrow-style payments regularly — procurement, marketplace payouts, milestone billing — our Business API lets you create and track escrow transactions programmatically with webhooks, at no extra cost beyond the standard fee.

Know the limit

Up to KSh 240,000 per transaction to the payee — suited to deposits, retainers and staged milestones. Larger contracts can be split into sequential escrow transactions, or talk to us.