TrustFlow | The Contract Enforcement Layer for India
RBI-Compliant Escrow Model

The Contract
Enforcement Layer
for India.

Stop chasing payments. TrustFlow combines UPI payments, Smart Escrow, and Neutral Arbitration to ensure every service contract is honored.

deal_status: FUNDED
Total Contract Value
₹ 1,50,000
Milestone 1 (30%)
Advance Payment
RELEASED
Milestone 2 (40%)
Design Deliverables
IN ESCROW
Safe
via Partner Bank
UPI

The Trust Gap in India’s Service Economy

In mid-value transactions (₹5k – ₹10L), trust is broken. Freelancers fear non-payment, and clients fear being ghosted. Existing legal routes are too slow, and WhatsApp agreements are unenforceable.

  • No Payment Guarantee

    Freelancers deliver work but get ghosted on the final invoice.

  • Quality Disputes

    Clients pay advances but receive substandard work with no refund option.

  • Biased Platforms

    Traditional platforms charge 20% fees and often side arbitrarily with one party.

The TrustFlow Solution

UPI Native
Instant funding via any UPI app. Funds are held in RBI-compliant escrow.
Smart Contracts
Rules are coded. Payment release is programmatic based on milestone approval.
Neutral Arbitration
If things go wrong, human experts review evidence and enforce a binding decision within 5 days.

Contractual Workflow Engine

We replace legal jargon with a simple 4-step workflow that protects both parties.

// STEP 1: DEFINE TERMS

Structured Agreements

Case A: Freelance Design
Logo Design (Milestone 1) ₹ 15,000
Case B: MSME Manufacturing B2B
Water Tank Batch #4050

Manufacturer stress-free: Order processing starts only after Escrow Funding.

Raw Materials
₹ 2,00,000
Delivery & QC
₹ 3,50,000
Distributor funds escrow → Mfg processes order

Escrow Funded

Client funds the deal. Money is moved to a partner bank escrow account, not TrustFlow’s wallet.

STATE: LOCKED NO_CUSTODY
Provider

Submitted: Final_Design_v3.fig

Hash: 0x7f…3a2b
Review Timer Active
47:22:10
Auto-release if no action taken

Happy Path

Client approves or timer expires. Funds released instantly to Provider’s bank.

Dispute

Funds frozen. Arbitrator reviews evidence. Binding decision in < 5 days.

System Architecture

Built for Scale & Compliance

TrustFlow acts as a non-custodial orchestration layer. We leverage partner banks for RBI compliance and blockchain for immutable audit logs, while abstracting all complexity from the user.

User Apps

Web & Mobile interfaces

TrustFlow Core

> Workflow_Engine
> Smart_Contract_Manager
> Dispute_Resolver
Partner Bank
Nodal Escrow Account
Blockchain
Immutable State Log
Secure Storage
Evidence Hashing
NO_CRYPTO_WALLET_NEEDED 99.9% UPTIME 256-BIT ENCRYPTION KYC INTEGRATED
Safety First

Uncompromising Regulatory Compliance

TrustFlow operates strictly within the framework of RBI’s guidelines for Payment Aggregators and Escrow mechanisms.

RBI Nodal Accounts

Funds are held in RBI-authorized Nodal/Escrow accounts managed by partner banks, not in our wallets.

Full KYC & AML

Integrated DigiLocker flows for instant KYC. Real-time AML (Anti-Money Laundering) checks on every transaction.

Data Residency

100% of payment and user data is stored on servers located physically within India, complying with RBI mandates.

No Fund Custody

We are a technology layer. We never touch your money; it flows directly from your bank to the escrow.

COMPLIANCE_AUDIT_LOG: Our systems generate immutable logs for every state change, ensuring full auditability for regulators and arbitrators.
Strategic Vision

The Era of Programmable Trust

We are defining the “Programmable Trust” niche at the intersection of FinTech and LegalTech. TrustFlow builds the State-Enforced Transaction Rails where the contract isn’t just a document—it’s the execution mechanism itself.

Past: Informal Trust
Handshakes

Social Contract

Relies purely on reputation and hope. Fails catastrophically in the anonymous, remote-first digital economy.

Present: Institutional Trust
Courts & Banks

Legal Contract

Enforceable but slow, expensive, and reactive. “The law is a shield, not a switch.” Settlement is manual.

The Future
Future: Programmable Trust
Smart Contract

State-Enforced Rails

The contract *is* the execution.
> if (milestone_approved) { pay(); }

Built for the Gig Economy

Freelancers & Agencies

Secure milestone payments for design, dev, and marketing projects. Never work for free again.

Influencers & Brands

Ensure funds are locked before posting content. Brands get assurance of delivery.

SMEs & Vendors

Formalize vendor work orders without expensive legal contracts.

Simple Monetization
1.5%
per transaction
  • Capped for large values
  • No monthly subscription
  • Includes basic arbitration
  • Instant UPI Withdrawals