How Obviater Works
From the first invitation to the final fund release, we ensure every step of your transaction is transparent and protected.
1. The Invitation (Obviater Link)
The deal Initiator enters the recipient's email and transaction details. Our system generates a unique, signed URL known as an 'Obviater Link'. This link is the source of truth for the entire deal.
2. Claiming & Acceptance
The recipient clicks the link and claims their account (or logs in). Once both parties accept the deal terms, the status moves to 'Active'. No money has moved yet—this is about alignment.
3. Funding the Escrow
The Initiator deposits the funds. They can choose Bank Transfer (USD) or Stablecoins (USDC/USDT). Funds are held in a secure, non-custodial-style vault or regulated bank account.
4. Verification & Release
The Recipient delivers the work or product. Once the Initiator reviews and approves, they trigger the release. Obviater handles the payout instantly, minus our transparent platform fee.
Behind the scenes
We don't just move numbers around in a database. Obviater leverages smart contracts and banking APIs to ensure true asset isolation.
Smart Contract Escrow
For crypto deals, funds are held in audited, verified contracts on-chain.
Plaid Integration
Bank accounts are verified instantly for ACH transfers.
Webhook Events
Developers can listen for 'funded' and 'released' events.
// Example Smart Contract Logic
function releaseFunds(uint256 dealId) external {
require(msg.sender == deals[dealId].sender, "Not authorized");
require(deals[dealId].status == Status.Funded, "Not funded");
deals[dealId].status = Status.Completed;
IERC20(usdc).transfer(deals[dealId].recipient, amount);
emit DealCompleted(dealId);
}
What if things go wrong?
If there is a disagreement about the quality of work or delivery status, either party can initiate a Dispute. This freezes the funds immediately.
- Funds are locked and cannot be withdrawn.
- An Obviater Admin is assigned to the case.
- Both parties provide evidence (chat logs, files).
- A final resolution is reached within 72 hours.
Admin Arbitration
Our team acts as a neutral third party. We review the transaction terms set at the start of the deal and ensure fairness is upheld for both the sender and the receiver.
Still have questions?
Our help center covers everything from fee structures to crypto network confirmations.
Browse the FAQ