XcrowHub — Protected escrow for crypto P2P deals

How XcrowHub works — 4 steps

1. Create a deal. Seller sets the item, price (NIM or USDT), and delivery terms. Gets a private link or publishes it on the marketplace.
2. Buyer pays into escrow. Funds are locked in a protected hold. Both parties can see the state. Money does not go directly to the seller.
3. Seller delivers. The work is delivered and marked as delivered, with proof if needed.
4. Buyer confirms → funds released. Money is released to the seller on-chain. If contested, a proof window opens for both and a human admin decides.

Two ways to do a deal

Private deals (0% fee)

A shareable link between one seller and one buyer, not listed publicly. Best for freelance work, one-time custom orders, and repeat clients. Fee: 0%.

Marketplace listings with bidding (1% seller-side)

Publish a reusable service or digital product. Buyers can pay the listed price directly or send a bid — the seller accepts, rejects, or counters. Same escrow flow. Fee: 1% deducted from the seller's payout.

What XcrowHub protects against

• Sellers not delivering after being paid.
• Buyers refusing to pay after receiving delivery.
• Chargebacks and reversals — settlement is on-chain and final once the buyer confirms.
• Silent-drop payouts (Nimiq validity-window bugs) — the signer service reads chain head before every transaction and fails loudly if it can't.

Dispute resolution

When either party raises a dispute, the deal freezes and a proof-submission window opens for both. Buyer and seller upload evidence: screenshots, files, transaction hashes for off-platform crypto delivery, chat logs. An XcrowHub admin reviews the evidence and decides one of: full release to seller, full refund to buyer, or partial split. The decision is executed on-chain by the signer. Nobody wins "by default" — the outcome is always evidence-based.

Supported currencies

• NIM on Nimiq mainnet (Albatross PoS). Fast finality, low fees.
• USDT on Polygon (ERC-20, contract 0xc2132D05D31c914a87C6611C10748AEb04B58e8F). Stable-value option.

Bitcoin, Ethereum mainnet, and other chains are not currently supported.

Referral program

Every account gets a short referral code and a one-tap link into the Nimiq Pay Mini App. Anyone who signs up through that link is permanently credited to the referrer. The referrer earns 10% of the platform fee on every marketplace sale their referrals make, forever, claimable to their own wallet at any time.

Frequently asked questions

Is XcrowHub a smart contract?

No. Escrow is held in a custodial hot wallet controlled by a hardened backend signer, not an on-chain contract. This lets XcrowHub support off-platform delivery types and disputes decided by a human — things a pure smart contract can't do well.

Does XcrowHub require KYC?

No. Authentication is wallet-signature only (Nimiq Pay). No username, password, or ID verification is needed to create or accept deals.

How long does payout take after buyer confirms?

NIM: typically under 30 seconds (one Albatross block). USDT on Polygon: typically under 1 minute.

Can XcrowHub be used outside Nimiq Pay?

Yes. The full app works in any modern browser at xcrowhub.com. Nimiq Pay is the default because it makes wallet signing seamless on mobile.

What countries is XcrowHub available in?

XcrowHub is usable worldwide. Users are responsible for local compliance.

How is XcrowHub different from Escrow.com or Bisq?

Escrow.com is fiat-focused with high fees and mandatory KYC. Bisq is a decentralized on-chain multisig DEX focused on currency trading. XcrowHub is crypto-only, has 0% fees on private deals, does not require KYC, and is optimized for goods-and-services deals (not currency exchange) — including cases where delivery happens off-platform.