🧠 INTRODUCTION

Nigeria has a booming informal online economy. People buy and sell goods and services daily via Instagram, WhatsApp, Jiji, and Facebook Marketplace. But scams are rampant. People lose money, items don’t show up, and there’s no way to hold anyone accountable.

As a result, many transactions never happen — because there’s no trust.

Kro is an escrow platform that solves this. It protects both buyer and seller by holding the money securely until both sides confirm satisfaction.

❌ THE PROBLEM

• Scams and fake listings are common.
• Buyers are afraid to pay upfront.
• Sellers are afraid of unserious buyers or fraud.
• Informal platforms have no buyer/seller protection.

This damages not only individuals but Nigeria’s digital economy.

✅ THE SOLUTION

Kro offers secure, escrow-based transactions. Whether you’re buying a pair of shoes from Instagram or hiring a freelancer, Kro holds the money until both parties are satisfied.

Key features:

• Trust-first UI and flow
• Secure Payment & Fund Management
• Two modes: Goods and Services
• Built-in milestone system
• Dispute Resolution