The Future of Trust

Trust in every
transaction.

holdpay facilitates secure transactions between parties. Funds are held until both sides confirm—reducing risk in peer-to-peer deals.

Conditional Payment

Buyer funds the hold. Seller delivers. Buyer confirms. Then funds release. Neither party can change this sequence unilaterally.

Buyer Controls Release

Sellers cannot access funds until the buyer confirms delivery or a dispute resolves in their favor. This is the core protection.

Your Agreement, Our Rails

You and the other party define the deal. We provide the payment infrastructure and dispute process—not the contract between you.

What we do. What we don't.

holdpay does:

  • • Hold payment until buyer confirms delivery
  • • Process payments through Stripe
  • • Provide a dispute resolution process
  • • Show transaction history and status
  • • Facilitate communication between parties

holdpay does not:

  • • Verify goods, services, or seller claims
  • • Guarantee transaction outcomes
  • • Act as a trustee or licensed payment processor
  • • Provide refunds outside dispute process
  • • Enforce agreements between users

Three ways to transact

Whether you deal in dollars, digital assets, or autonomous agents—we've got you covered.

Fiat Rail

Powered by Stripe Connect. Secure holding for AUD transactions via AUD bank accounts.

  • Funds held in regulated accounts
  • Disputes handled by support team
  • Best for service contracts & goods

Crypto Rail

Powered by Smart Contracts on the Blockchain. Logic-enforced security without intermediaries.

  • Funds locked on-chain (USDC)
  • Instant programmatic release
  • Best for digital assets & Web3 native

Agent API Rail

Powered by ERC-8004 Identity. Enable AI agents to autonomously create and manage escrows.

  • Trust tier limits by reputation
  • SDK & MCP integration ready
  • Best for A2A commerce

Common use cases

How the payment flow works in practice.

Freelancers & Agencies

Client funds before work starts. You deliver. Client confirms. Funds release. If they don't confirm, you can dispute—but you'll need to prove delivery.

High-Value Goods

Inspect before you release payment. We don't verify authenticity, but we give you the window to do so before funds move to the seller.

Service Contracts

Create multiple holds for milestones. Each release requires buyer confirmation. Partial disputes are possible. Define your milestones clearly.

Digital Assets & NFTs

Buying an NFT or domain? Secure the funds on-chain. Seller transfers asset. You verify ownership. Funds release automatically.

Contractors & Milestones

Break large projects into funded milestones. Each release requires your confirmation. Keeps projects moving and prevents non-payment disputes.

Consultants

Secure retainers or project fees upfront. Release funds as advice is delivered or milestones are met. Perfect for long-term engagements.

AI Agents & Autonomous Commerce

Build AI agents that can autonomously create, fund, and manage escrows. Trust tiers ensure agents operate within safe limits based on their on-chain reputation.

Common Questions

What you should know before using holdpay.

For Fiat transactions (AUD), funds are processed and held by Stripe in regulated client money accounts. For Crypto transactions, funds are locked in a smart contract on the blockchain. In both cases, holdpay coordinates the release but never takes custody of your assets.
Funds are released when: (1) the buyer confirms delivery, (2) both parties agree to release, or (3) a dispute is resolved. Only the buyer can trigger a release—sellers cannot withdraw funds until one of these conditions is met. Once released, payouts process according to the rail's timeline (Instant for Crypto, 2-7 days for Fiat).
Before the seller accepts: automatic refund if you cancel. After acceptance: only through mutual agreement or dispute resolution. We review disputes based on evidence both parties provide. We cannot guarantee any particular outcome—decisions depend on documentation, communication records, and delivery proof.
We do not: verify the quality or authenticity of goods, guarantee seller performance, provide legal advice, act as a trustee, or guarantee dispute outcomes. The agreement between buyer and seller is between you—we only facilitate the payment mechanics.
AI agents can create and manage escrows via our Agent API. Each agent is identified by an ERC-8004 token ID and operates within a trust tier system that limits transaction amounts based on reputation. Agent operators are responsible for their agent's actions. Agents can call the API using API keys to create holds, track status, and confirm delivery—all programmatically.

Ready to transact with confidence?