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Institutional Fraud Prevention Protocol

TRUST & SAFETY AT SCROWPOINT.

We engineered Nigeria's custodial escrow framework for high-value secondhand gadgets. Every trade is fortified with SmileID biometric KYC, segregated Paystack holding vaults, and an enforceable 48-hour hardware diagnostic SLA.

Interactive Risk Comparison

UNPROTECTED P2P CHANNELS VS. SCROWPOINT CUSTODY.

Select any of the 4 trade stages below to see how Scrowpoint eliminates counterparty fraud compared to direct WhatsApp or classified transfers.

Unprotected P2P ChannelsWhatsApp • Jiji • IG

Fake Bank Alerts & Transfer Reversals

You hand over an ₦850,000 iPhone or MacBook on a doctored SMS alert or an unconfirmed bank screenshot.

Outcome:100% Loss of Device & Cash
Scrowpoint Custodial ProtocolProtects Sellers & Buyers

Segregated Paystack Vault Lock

100% of the buyer's deposit is verified and locked in custody before you ever dispatch the package.

Protection:₦0 Fake Alert Exposure
Risk Vector 1 of 4: Payment Security
Pillars of Integrity

HOW WE ELIMINATE COUNTERPARTY FRAUD.

[01] Buyer Protection
Buyer Protection

48-Hour Diagnostic SLA

48hHardware Window

Buyers hold unconditional rights to test battery health, TrueTone, FaceID, and cosmetic accuracy before any seller payout can occur.

  • Hardware diagnostic checklist standard
  • Automatic freeze upon dispute filing
  • No seller payout without buyer sign-off
[02] Paystack Rail
Paystack Rail

Segregated Escrow Vault

100%Custodial Hold

Buyer funds are held in dedicated trust accounts licensed by CBN. Neither party can touch or withdraw funds during transit.

  • Zero chargeback risk for sellers
  • Immediate NIP bank settlement on release
  • Append-only immutable transaction ledger
[03] Identity Seal
Identity Seal

SmileID Biometric KYC

100%NIN/BVN Checked

Every merchant must pass 3D active liveness checks and validate national identity documents to eliminate anonymous scam operations.

  • Anti-spoofing facial recognition
  • National Identity Database validation
  • Fraud blacklist & IMEI check
[04] Fair Verdict
Fair Verdict

Human Dispute Arbitration

12hMediation SLA

Impartial senior mediation officers inspect unboxing videos, diagnostic logs, and IMEI records to issue binding payouts or refunds.

  • Evidence locker with video proof
  • Sub-case categorization (NAD, DOA)
  • Strict 24h evidence submission window
Protocol Lifecycle

The Scrowpoint Escrow Cycle

How funds, goods, and hardware inspections move through our platform.

Paystack Custodial Hold
01100% Guaranteed

Buyer Funds Locked in Escrow

Paystack Segregated Vault

Buyer initiates purchase and deposits agreed price into a secure custodial account. Seller is notified that 100% of the funds are locked.

StateStage 1/5
02Waybill Verified

Tracked Logistics Dispatch

Insured Waybill & Courier

Seller dispatches device via registered logistics (GIG, DHL, Fez) with real-time waybill tracking and signature confirmation.

StateStage 2/5
0348H Window Active

Delivery & 48H Diagnostic Window

Comprehensive Hardware SLA

Buyer accepts delivery and begins a strict 48-hour hardware audit covering battery health, display digitizer, FaceID, and clean activation status.

StateStage 3/5
04Dual Safeguard

Buyer Approval or Dispute Report

Dual Resolution Pathway

Buyer clicks 'Release Funds' upon satisfaction. If device has undisclosed defects, clicking 'Report Issue' freezes the escrow vault for human arbitration.

StateStage 4/5
0515-Min Payout

Instant Settlement or Full Refund

Direct NIP Bank Rail

On approval, seller receives payout within 15 minutes. In verified disputes, buyer receives 100% refund upon return courier receipt.

StateStage 5/5
Statutory Guidelines

FREQUENTLY CLARIFIED TRUST POLICIES.

Transparent rules governing inspection claims, counterfeit devices, and payment releases.

When the courier delivers your package, you have exactly 48 hours to inspect and test all internal components before funds release.

  • Check FaceID / TouchID biometric sensor authenticity.
  • Inspect battery maximum health percentage against listing statement.
  • Confirm device has zero iCloud / Google activation lock or enterprise MDM profile.
  • Test touch digitizer uniformity, TrueTone, and cellular calling on Nigerian carrier SIMs.
  • If any defect is found, clicking 'Report Issue' halts the countdown and freezes funds immediately.
Zero Counterparty Exposure

Ready to trade with 100% escrow protection?

Browse verified gadgets in the marketplace or calculate your escrow fee in seconds.

SCROWPOINT.

Nigeria’s trusted platform for secure gadget exchange. Funds locked in custody until your 48-hour hardware inspection is complete.

Security & Market Alerts
Gadget Marketplace
  • Browse All Gadgets
  • Apple iPhones & iPads
  • MacBooks & Ultrabooks
  • Samsung Galaxy & Android
  • Gaming Consoles & PS5
  • Post a Gadget for Sale0% Fee
Escrow Shield & Trust
  • How Escrow Works
  • 48-Hour Inspection Rules
  • Buyer 100% Fraud Shield
  • Seller Payout Guarantee
  • SmileID Biometric VerificationNIN/BVN
  • Dispute Arbitration Engine
Resources & Tools
  • Escrow Fee Calculator
  • Hardware Diagnostic Checklist
  • IMEI & iCloud Check Guide
  • Battery Health Grading Standard
  • Nigerian P2P Scam Prevention
  • Design System & SandboxRegistry
Company & Legal
  • About Scrowpoint
  • Terms of Service
  • Privacy & Data Protection
  • Buyer Protection
  • Security
© 2026 Scrowpoint Technologies
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