Trust Built IntoEvery Transaction
What is Holdyn?
Holdyn is where a deal and its money live in the same place. You and your counterparty agree the terms — who, how much, when it funds, when it releases, and how — and Holdyn holds the money and moves it exactly as those terms are met. Pay with confidence. Get paid with certainty.
A deal can be as simple as a single payment held until release, or grow to match something complex — staged milestones, deposits, recurring schedules. It starts minimal and scales only as far as your deal needs. Freelancer or enterprise, a one-off sale or a multi-stage project, both sides are covered on every transaction.
Describe your deal in plain English and Holdyn AI will structure the entire transaction for you — or use the step-by-step wizard for full manual control. Every transaction is funded from your Holdyn wallet, with three clear balance buckets: Available, Pending, and Held.
Pay with confidence
Secure transactions, every time
Who Uses Holdyn?
Freelancers & Contractors
Protect project payments with milestone-based releases
Small Businesses
Secure client payments and manage project cash flow
Agencies
Handle multiple client projects with organized payments
Service Providers
Ensure payment on delivery for any service type
Real Estate & Rentals
Secure deposits returned to tenants when conditions are met
High-Value Transactions
Reduce fraud risk on vehicles, equipment, jewelry
Important: Holdyn Inc, a Delaware corporation, is a Payment Facilitation Platform. All funds are held by Stripe, Inc., a licensed money transmitter. Holdyn administers payment transactions and facilitates dispute resolution. By using Holdyn, you authorise us to administer the dispute resolution process and to execute fund distribution through Stripe according to the outcome of the resolution path chosen by the parties — direct settlement, Holdyn-facilitated mediation, or external arbitration.
Core Services
Everything you need to agree a deal, hold the money, and settle it cleanly.
Protected Transactions
Funds are released only when both parties confirm the agreed conditions have been met. Neither side can access the funds until those conditions are satisfied.
- Bank-grade payment protection
- Funds protected until delivery
- Clear release conditions
- Full audit trail
Multi-stage Payments
Break large projects into multiple payment stages with conditional fund releases. Pay as work progresses with custom release triggers.
- Multiple payment stages
- Custom release conditions
- Approval-based or automatic
- Progress tracking
Terms, Signed and on the Record
Agree and sign your terms electronically, with full version history — so every change to the deal is captured and nothing is ever ambiguous. Export or share the whole transaction as a PDF.
- Electronic signatures
- Custom terms & conditions
- PDF export & sharing
- Version history
Dispute Resolution
If a disagreement arises, the transaction freezes automatically — no funds move, no pressure. Resolve it directly, with Holdyn's mediation, or through external arbitration.
- Direct party-to-party resolution
- Holdyn-facilitated mediation
- External arbitration support
- Funds release only on real resolution
How Holdyn Works
Simple, secure, and transparent from start to finish
Create Transaction
Set up your deal manually step by step, or describe it in plain English and let Holdyn AI draft it for you. Invite the other party to review.
Both Parties Sign
Both parties review terms and sign electronically. The transaction becomes active and binding.
Fund from Wallet
The Sender funds the transaction from their Holdyn Wallet. Funds are protected end-to-end on a bank-grade payments network until release conditions are met.
Deliver & Release
Delivery is confirmed, payment stages approved, and funds release automatically or with confirmation.
Flexible Transaction Types
Most deals are built from blocks. Start with one — a single payment held until release — and stack on whatever the deal needs: a deposit up front, recurring stages through the middle, a final payment at the end. One block or many, the structure grows to match the deal and never more than it needs.
Simple
One-time payment held until conditions are met
e.g., Freelance project, product sale, service delivery
Multi-stage
Multiple payments tied to project phases or milestones
e.g., Web development, construction, consulting
Recurring
Scheduled payments with auto-renewal
e.g., Retainer transactions, subscriptions, rent
Deposit
Secure deposits held and returned to the depositor when conditions are met
e.g., Rental deposits, event bookings, reservations
Direct
Instant peer-to-peer wallet transfer — no contract terms, no conditional release
e.g., Quick wallet-to-wallet send between Holdyn users
Why Holdyn?
From the moment you agree to the moment it's resolved, Holdyn guides every step of the deal.
Through the Whole Life of the Deal
Transaction Overview
One page that shows the whole deal at a glance — every block, its terms, what's funded, what's released, and what's next. The deal's progression, start to finish, in a single view.
Amend Terms
Deals change. Propose a change to the terms and, once both sides accept, the transaction updates itself — with every version kept on the record.
Self-Mediation
Resolve disagreements through structured proposal and counter-proposal — without escalating to a chargeback. Both parties keep full visibility, every state change is recorded, and the transaction reshapes itself when both sides accept.
Audit Trail
Complete history of every action taken on a transaction. Track approvals, amendments, payments, and status changes with timestamps.
Extension Requests
Request deadline extensions with approval workflows. Flexible adjustments for real-world situations.
Returns
Full or partial returns to the Sender, processed securely on a bank-grade payments network. Automatic notifications keep both parties informed.
And Everything That Keeps It Running
Automatic Release
Configure automatic fund release after delivery confirmation. Set approval windows from 1-30 days.
Create with AI
Describe a deal in plain English and Holdyn AI drafts the full transaction — parties, milestones, release logic, protective terms. Attach a contract PDF and the AI extracts the details.
AI Assistant
Ask questions about any existing transaction in natural language. Get instant answers about terms, payments, obligations, and next steps.
Built-in Messaging
Communicate directly within each transaction. Share files, images, and keep all discussions in one place.
Calendar & Tracking
Never miss a deadline. Track payment stages, renewals, and important dates with automated reminders.
Recurring Transactions
Set up recurring payment schedules for ongoing services. Auto-renew with configurable terms.
Wallet & Payouts
Your Holdyn wallet shows Available, Pending, and Held balances. Fund transactions directly from your wallet. Withdraw to your bank anytime — standard or instant.
Saved Drafts
Every transaction you create is auto-saved as a reusable draft. Browse past submissions, load one, tweak the details, and submit a new transaction in seconds.
Connections
Build your trusted network. Send connection requests, manage connections, and transact with verified users.
Notifications
Stay informed with real-time in-app and email notifications. Customize preferences for payments, milestones, and deadlines.
Guest Counterparty
Your counterparty doesn't need a Holdyn account to participate. They receive a secure magic-link email and can view, sign, fund, or withdraw with progressive verification — full registration is only required when claiming funds or escalating to a dispute.
Compliance Review
An automated risk layer flags rare edge cases for routine admin review before activation, funding, or release. Most users never see it; when triggered, it typically clears in 1–2 business days. Held funds (if any) are returned to the Sender if the review is rejected.
In-App Onboarding
Set up payouts without ever leaving Holdyn. Identity verification, bank details, and capability checks all happen inside the Holdyn dashboard — no redirects to third-party branded UI.
Identity Verification
Enhanced identity verification with document and selfie checks for high-trust accounts. Required for moving money out; integrated directly into the wallet and onboarding flows.
Holdyn B2B API
A separate destination-charge surface at api.holdyn.io for businesses that want to embed Protected Transactions into their own products. API keys, signed webhook subscriptions, and a dashboard with delivery logs.
Ready to Put Your Deal on Holdyn?
Create your first protected transaction in minutes. Funds remain secured until delivery — by design.
No subscription fees • Start for free