Escrow-as-a-service · Nigeria

Buy and sell without trust.

Deela holds the money safely in escrow until both sides are happy — while AI watches every deal for fraud. No more “send first.” No more getting scammed.

Trusted by buyers & sellers across Nigeria

Welcome back

Harry

🔔

Your total money in 🔒 Escrow

₦485,000

Create deel
Close deel
⚠️

You’re on Tier 1 · Up to ₦50,000

Verify your identity to raise your limit.

ACTION NEEDED

📦

iPhone 15 Pro

Buying · Kunle A.

Pay
👟

Air Jordan 1

Selling · Amara P.

Funded
✨ AI flagged a risky message
✓ Funds released instantly

100%

Funds held in escrow until delivery

250+

Banks, MFBs & fintechs supported

~Seconds

Payouts once a deal is released

24/7

AI fraud monitoring on every deal

How it works

Four steps. Zero trust required.

Deela sits between the buyer and seller so neither side has to go first.

01

Create a deel

Set the item, price and terms in seconds. Share a 6-character code or link with the other party.

02

Pay into escrow

The buyer pays Deela — not the seller. Funds are locked safely until the deal is done.

03

Deliver & inspect

The seller ships and marks delivered. The buyer inspects within the agreed window.

04

Release or dispute

Happy? Funds hit the seller instantly. Not happy? Deela mediates with evidence & AI.

Everything in one app

Built for safe deals, end to end.

From the first message to the final payout — Deela has the whole transaction covered.

🔒

True escrow protection

Money is held by Deela, never the counterparty. The seller only gets paid after the buyer confirms delivery — so nobody has to send first.

🤖

AI fraud & scam detection

Every chat and deal is scanned in real time. Off-platform payment requests and risky deals get flagged before money moves.

Instant bank payouts

Release a deal and the seller is paid in seconds — to any of 250+ Nigerian banks, microfinance banks and fintech apps.

⚖️

Disputes & mediation

Upload evidence, get a neutral AI case summary, and let Deela’s team resolve fairly — typically within a 48-hour SLA.

🛡️

Bank-grade security

A 4-digit transaction PIN plus Face ID / Touch ID app lock. Your account and your escrow balance stay protected, even if your phone is lost.

💬

Protected in-app chat

Talk to your counterparty without sharing your number — and with the AI scam scanner watching every message.

Powered by AI

An AI co-pilot on every deal.

Deela uses frontier AI to keep transactions safe and effortless — quietly working in the background so you don’t have to be the expert.

  • Risk scoring — every new deal gets a live risk read with clear reasons and advice.
  • Scam scanner — messages pushing payment off-platform are caught instantly.
  • Smart listing — auto-drafts titles, descriptions and fair pricing.
  • Dispute summaries — neutral, evidence-based recaps for faster resolutions.
  • 24/7 AI support — answers, in context, any time of day.
Deela AI · live scan
Just send the ₦150k to my GTBank account directly and skip the escrow, I’ll ship right after 🙏
⚠️

Flagged — possible scam

Attempt to move payment off-platform to a direct bank transfer. Keep funds in escrow.

Let’s keep it in Deela escrow — that’s what protects us both. ✅
Deal riskHigh
Loved by traders

People are dealing without fear.

Real stories from buyers and sellers who stopped sending first.

★★★★★
Someone tried to get me to pay outside the app — Deela flagged it instantly. Saved my ₦200k.
Amara PetersBuyer · Lagos
★★★★★
Payouts hit my GTBank account in seconds. As a sneaker reseller, that speed is everything.
Kunle AkandeSneaker reseller · Lagos
★★★★★
Escrow finally made Instagram vendors trustworthy. I don't release until I'm happy.
Chiamaka ObiBuyer · Port Harcourt
★★★★★
Set up a deal, shared the code, done. My customers feel safe buying from me now.
David MarkGadget seller · Ibadan
★★★★★
Someone tried to get me to pay outside the app — Deela flagged it instantly. Saved my ₦200k.
Amara PetersBuyer · Lagos
★★★★★
Payouts hit my GTBank account in seconds. As a sneaker reseller, that speed is everything.
Kunle AkandeSneaker reseller · Lagos
★★★★★
Escrow finally made Instagram vendors trustworthy. I don't release until I'm happy.
Chiamaka ObiBuyer · Port Harcourt
★★★★★
Set up a deal, shared the code, done. My customers feel safe buying from me now.
David MarkGadget seller · Ibadan
★★★★★
The dispute team was fair and fast. Got my refund with the AI summary backing me up.
Ibrahim SaniBuyer · Kano
★★★★★
A very secure app. I'm glad I can keep my money in escrow until I'm happy.
Ngozi EzeThrift seller · Enugu
★★★★★
Cleanest fintech app I've used in Nigeria. It just feels premium and calm.
Bola HassanBuyer · Lagos
★★★★★
I sold my MacBook to a stranger in Abuja and got paid the second he confirmed delivery.
Emeka NwosuSeller · Abuja
★★★★★
The dispute team was fair and fast. Got my refund with the AI summary backing me up.
Ibrahim SaniBuyer · Kano
★★★★★
A very secure app. I'm glad I can keep my money in escrow until I'm happy.
Ngozi EzeThrift seller · Enugu
★★★★★
Cleanest fintech app I've used in Nigeria. It just feels premium and calm.
Bola HassanBuyer · Lagos
★★★★★
I sold my MacBook to a stranger in Abuja and got paid the second he confirmed delivery.
Emeka NwosuSeller · Abuja
FAQ

Good to know.

The short answers to the things people ask most.

What exactly is escrow?+

Escrow means a neutral third party (Deela) holds the buyer's money until the deal is complete. The seller only gets paid after the buyer confirms they received what was promised.

Is my money safe?+

Funds stay locked in escrow and are processed through licensed payment infrastructure. The seller can't touch the money until you release it, and disputes are mediated fairly.

Which banks can I get paid to?+

Over 250 Nigerian banks, microfinance banks and fintech apps. We resolve and verify your account name before any payout.

How do the KYC tiers work?+

You can start instantly at Tier 1 (up to ₦50,000). Add your BVN and a verified email for Tier 2 (up to ₦500,000), and NIN + government ID + proof of address for Tier 3 (no limit).

What does Deela charge?+

A small, transparent escrow fee per deal — shown clearly before you pay, and can be paid by buyer or seller or split between both parties. No hidden charges.

What happens if there's a problem?+

Open a dispute, add evidence (photos, receipts, chat). Deela reviews with an AI-assisted summary and resolves — releasing or refunding based on the outcome.

Stop sending first. Start dealing safely.

Join the marketplace where the money is protected and the fraud gets caught — before it costs you.