Buy and sell on social media — without the fear.
XcroBuy holds the money until the deal is done. The buyer pays into a secure account, the seller ships with proof, and funds release only when delivery is confirmed.
One app, end to end
Everything your deal needs,
in one place
Features
Built so neither side gets burned
Every step of a social-commerce deal, made safe — from the first link to the final release.
Create
A deal, ready in seconds
Set the item and price — XcroBuy spins up a secure escrow with its own bank account. No card forms, no sharing your details.
- Item + price, that's it
- Transparent, capped fee
- Works for any amount
Share
Send a link or a QR — anywhere
Drop a branded payment slip into a WhatsApp chat, an Instagram DM, or a TikTok bio. Your buyer scans, pays, and the deal is live.
- Branded, scannable slip
- Pay link for any channel
- No app required to pay
Pay
Money held safely — not gone
Buyers transfer into a dedicated escrow account. The cash is locked the moment it lands, and only releases when delivery is confirmed.
- Dedicated NUBAN per deal
- Funds locked, fully traceable
- Released only on confirmation
Prove
Proof, not promises
Sellers record packaging, buyers record unboxing — live, timestamped and GPS-stamped. Gallery uploads are blocked, so footage can't be faked.
- Live capture only
- Timestamp + location locked
- Tamper-proof by design
Track
Always know where it stands
A clear timeline from created to released. Both sides see every step — funded, shipped, delivered, confirmed — with no guessing and no chasing.
- Shared, live timeline
- Auto-release safety timer
- Push updates at each step
Protection, end to end
When things go sideways, you’re still covered
AI-assisted disputes
Something wrong? AI compares the packaging and unboxing videos and recommends a fair outcome — and refunds only release after the item is returned and confirmed.
Reputation you earn
Every clean deal builds a score that's hard to fake and easy to trust — your track record travels with you across every sale.
Bank-grade security
Lock the app with a PIN or Face ID, and rest easy knowing funds sit with a licensed banking partner — not a personal wallet.
How it works
Three steps, zero trust required
Agree the deal
The seller creates an escrow and shares the link or QR. The buyer opens it — no sign-up needed to pay.
Pay into escrow
The buyer transfers to the secure account. Funds are held safely while the seller ships with proof.
Confirm & release
Buyer confirms delivery and money releases instantly. If anything's wrong, the dispute layer has both sides covered.
Your money is safer here than in any DM
Funds are held by a licensed banking partner, every recording is tamper-proof, and disputes are resolved on evidence — not on who shouts loudest.
FAQ
Questions, answered
What is XcroBuy, exactly?+
An escrow layer for social commerce. When you buy or sell on Instagram, TikTok or WhatsApp, XcroBuy holds the payment in a secure account and only releases it once the deal is genuinely done.
Where does my money actually sit?+
In a dedicated account with a licensed banking partner — not with the seller and not in a personal wallet. It's locked, traceable, and released only when delivery is confirmed.
What happens if the item is wrong or damaged?+
Raise a dispute. Both parties' videos are compared by AI for a fast, fair recommendation, and refunds only release after the item is returned and confirmed — protecting buyer and seller alike.
Do buyers need the app to pay?+
No. Buyers can pay straight from a shared link or by scanning the QR. The app makes tracking, evidence and disputes easier, but paying is frictionless.
How much does it cost?+
A small, transparent fee per deal — split fairly between buyer and seller and capped, so it never scares anyone off a sale.
Start dealing with confidence
Join the vendors and buyers turning risky DMs into deals that actually close.
Free to start · No card required to sign up