v.2026 Escrow, reinvented for peer-to-peer trade.

Money in motion, held with intent.

ARXHOLD is escrow for high-stakes peer-to-peer transactions. Funds wait in a vault. A verified agent meets the seller, inspects the item, and signs off. Then — and only then — money moves.

iOS · Android · Web 4.9 ★ App Store Bank-grade encryption
Receipt · TXN-08742
Item price$1,850.00
Platform fee$53.65
Agent inspection$40.00
Total held$1,943.65
arxhold
Good morning
Maya.
Held in escrow SECURED
$4,280.65
ININSPECTOKOUT
4
Active
2
Pending
1
Disputed
27
Done

Recent

See all →
BUYING · 6h
Vintage Leica M6
with Theo van Aalst
$3,200.00 Agent assigned
BUYING · 2d
MacBook Pro 14" M3
with Liam Cohen
$1,850.00 Inspecting
SELLING · 1d
Brand identity — Solstice
with Renko Studio
$2,400.00 Awaiting funds
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How it works

Four steps from handshake to settled.

No more wire-transfer trust falls. No more "send the money first" arguments. ARXHOLD walks both sides through a documented sequence, so the awkward parts of trading with strangers become routine.

01 / CREATE

Write the deal

Either party drafts the terms — item, price, condition, return window. The other side reviews and counter-signs. Nothing moves until both agree.

02 / FUND

Buyer funds escrow

Card, bank, or wire. Money lands in a segregated trust account at our partner bank. The seller can see the funds are real, but cannot touch them yet.

03 / INSPECT

Agent verifies

A vetted local inspector meets the seller, photographs the item, and confirms it matches the listing. Or the buyer self-inspects on delivery. Both are documented.

04 / RELEASE

Funds release

On approval, money lands in the seller's account, typically same-day. Disputes trigger a 3rd-party arbiter. Either way, the whole audit trail is downloadable.

The ARXHOLD difference

We send
human.

For deals over $1,000, you can opt to have a verified ARXHOLD Agent physically inspect the item before funds release. They show up where the seller is, photograph the goods against the listing, run a serial-number check where relevant, and sign off — or flag.

400+ agents in 38 cities. Background-checked, insured, paid hourly — not commission. Their loyalty is to the truth of the inspection, not the size of the sale.

Find an agent near you → Become an agent
LC
Liam Cohen
Brooklyn · NY
Verified
247
Inspections
4.97
Rating
38m
Avg time
Current job
TXN-08742
Vintage Leica M6 · body only
Seller: Theo van Aalst · meeting at 14:30
FUNDED INSPECTING APPROVED RELEASED
$42.6M
Held in escrow across active deals — segregated at our partner bank, FDIC-insured.
99.7%
Of transactions complete without a dispute. The 0.3% that don't, our arbiters resolve in ≤ 72 hours.
38
Cities with active agent coverage today. Berlin, Mexico City, and Singapore launch this quarter.
Under the hood

Boring on purpose. Watertight by design.

01 · receipt of truth

Every action timestamped, signed, downloadable.

Each step in a transaction is hashed and logged — fund, ship, inspect, release, dispute. Export the full audit trail as a signed PDF at any time. The kind of paper trail that ends arguments.

14:02  TXN-08742 created · buyer maya@
14:08  $1,943.65 funded · stripe_ch_3Pr…
09:15  agent.assigned · liam.c@arxhold
14:31  inspection.passed · 6 photos · sig 0x4f7e…
02 · disputes

When deals go sideways, real people decide.

A trained ARXHOLD arbiter reviews the audit trail, photos, and both parties' evidence. Decisions in 72 hours. No automated kangaroo court, no chargeback roulette.

Disputed arbiter.assigned · 18m ago
Buyer evidence3 files
Seller responseawaiting
03 · money math

Transparent fees.

2.9% platform fee. $40 if you opt for an agent inspection. That's the entire pricing model. No subscription, no minimums, no surprise add-ons.

04 · safety

Bank-grade, KYC verified.

Both parties verify identity before a deal opens. Funds sit in a segregated trust account at a FDIC-insured partner bank, never on our balance sheet.

05 · multi-party

Splits & deposits.

Route a percentage to a third party automatically — useful for consignment sales, broker fees, or escrowed deposits on rentals.

Built for high-ticket

The trades you'd rather not wire.

Cameras & electronics Watches & jewelry Cars & motorcycles Domain & IP transfers Furniture & art Freelance projects Rental deposits Crypto OTC
Vintage Leica M6 — body only
Listed by Theo van Aalst · Amsterdam
Held
TXN-08742 $3,200.00

A camera worth more than the wire-transfer panic.

Maya found Theo's Leica listed in a private collectors' forum. He's in Amsterdam, she's in Brooklyn. Neither would normally ship a vintage Leica before payment, and neither would normally wire $3,200 to a stranger. With ARXHOLD, Maya funded the escrow, an Amsterdam agent inspected the body, the shutter count was confirmed at 4,212 — and on approval, Theo got paid the next morning.

— a real example, names changed.

Pricing

No subscription. No minimums.

Pay only when you transact. Fees are visible up front, included in the receipt, and applied to the buyer's funding total by default — though either party can absorb them.

Standard

Self-inspect

For digital goods, services, and low-risk deliveries.
2.9%
Per transaction · capped at $500
  • Full audit trail & signed receipt
  • KYC for both parties
  • Dispute resolution in ≤ 72h
  • iOS, Android, and Web
Enterprise

Marketplaces

Embed ARXHOLD into your platform via API.
Custom
Volume pricing · co-branded experience
  • White-label flow & webhooks
  • Bulk agent dispatch
  • Dedicated arbitration queue
  • SLA & dedicated CSM
Contact sales →
Questions

Things people ask before their first deal.

Can't find the answer? Email us — we read every one.

What happens if the item arrives broken?
You have a 72-hour inspection window from delivery (or longer if you chose a custom one). Open a dispute, attach photos and a description, and the seller is notified. An ARXHOLD arbiter reviews evidence from both sides and decides — full refund, partial refund, or release. Funds stay in escrow the whole time.
Is ARXHOLD actually a bank?
No. ARXHOLD is a licensed money-services business, and your funds sit in a segregated trust account at a FDIC-insured partner bank. We never touch the money operationally — we only authorize movement based on the documented agreement between you and the other party.
How are agents vetted?
Background check, ID verification, an in-person interview with a regional lead, plus a 5-job shadow period before they take a deal solo. They're paid hourly (not on commission) and randomly audited. Bad agents get pulled fast.
What's the maximum transaction size?
$250,000 self-serve. Above that, we ask you to talk to us first — usually a same-day onboarding call and we'll raise the limit.
Can I use ARXHOLD internationally?
Both parties need to be KYC-verified, but they don't need to live in the same country. We support USD, EUR, and GBP funding today; agent coverage varies by city — check the agent map for live coverage.
Who pays the fees?
By default, the buyer pays the platform fee on top of the item price. Either side can absorb it, or split it — set it on the deal terms before both sides sign.
Ready

Hold your next transaction.

Open the app, draft a deal, share the link. The other side joins in 30 seconds. From a $300 vinyl pickup to a $48,000 Defender, you're covered.

arxhold