How HoldynWorks
Every online transaction carries counterparty risk
Holdyn is a transaction infrastructure that allows two parties to create an agreement where funds are locked and released only when predefined conditions are met.
No more paying upfront and hoping for delivery. No more delivering work and hoping for payment. Holdyn removes that risk for both sides.
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 provides dispute resolution. By using Holdyn, you authorize us to make binding decisions on dispute outcomes. Stripe executes fund distribution based on our decisions.
View Stripe Terms of ServiceHow a Transaction Works
Five steps from agreement to settlement
Create the Transaction
Define the terms of the agreement between both parties.
Fund the Transaction
The sender deposits funds which are securely held within our payment infrastructure.
Work or Goods Delivered
The agreed service or product is provided by the receiver.
Verification
Both parties confirm that the agreed conditions have been met.
Funds Released
Payment is manually or automatically released to the recipient once conditions are met. For deposit transactions, funds are returned to the depositor.
Roles & Responsibilities
Understanding who does what in the payment protection process
Holdyn
Platform Provider
Manages the transaction logic and agreement infrastructure — creating transactions, defining conditions, tracking milestones, messaging, and dispute resolution.
- Transaction creation and management tools
- Payment event tracking and conditions
- Secure messaging between parties
- Dispute initiation and evidence collection
- Notifications and reminders
- Document storage and e-signatures
Stripe
Licensed Money Transmitter
Securely holds and processes funds until the transaction conditions are verified. Handles all financial operations, compliance, and fund disbursement.
- Secure payment processing
- Fund custody and holding
- Bank-grade security and encryption
- Regulatory compliance (PCI-DSS, etc.)
- Fund disbursement to recipients
- Chargeback and fraud protection
Built for Every Transaction Type
From freelance projects to enterprise procurement
Freelance & Contract Work
e.g., a company hires a developer and payment is released when the project is delivered
Milestone-Based Projects
e.g., a marketing agency receives payment after each campaign milestone is completed
High-Value Transactions
e.g., a buyer purchases a luxury watch and funds are released after delivery confirmation
B2B Services & Retainers
e.g., a consulting firm receives payment once agreed deliverables are verified
Supplier & Procurement
e.g., a retailer releases payment to a supplier once goods are delivered
Security Deposits & Rentals
e.g., a tenant's security deposit is held and returned to them once the property is in good condition
Digital Deliverables
e.g., payment for software, code, or digital assets released after delivery
Revenue Protection
e.g., an e-commerce company releases revenue only after orders are shipped or the return window passes
Built-In Trust Signals
Every layer of Holdyn is designed to build confidence between parties
Verified User Identities
All users complete identity verification before transacting, ensuring you know who you're dealing with.
Transaction History
View a counterparty's transaction track record to make informed decisions before entering an agreement.
Dispute Resolution Process
A structured process with evidence submission and admin mediation ensures fair outcomes when issues arise.
Reputation Badges
Users earn trust badges based on completed transactions, response times, and dispute history.
Frequently Asked Questions
Everything you need to know about payment protection
Who holds my money?
All funds are held by Stripe, Inc., a licensed money transmitter. Holdyn never touches, holds, or controls your funds. When you deposit money for a transaction, it goes directly to Stripe's secure payment infrastructure.
Is Holdyn an escrow company?
No. Holdyn is a Payment Facilitation Platform that provides technology for creating and managing payment transactions. We do not provide escrow services. Fund custody is handled by Stripe, which is licensed as a money transmitter in all 50 US states.
How are my funds protected?
Your funds are protected by Stripe's bank-grade security, which includes PCI-DSS Level 1 compliance (the highest level), encryption, and fraud detection. Stripe is regulated by financial authorities and holds appropriate licenses for money transmission.
What happens if there's a dispute?
Holdyn provides dispute resolution services, including evidence submission and mediation. During a dispute, funds remain held by Stripe until resolution. Holdyn makes binding decisions on dispute outcomes, and Stripe executes final fund distribution based on those decisions.
How do I know my payment is secure?
All payments are processed through Stripe's secure infrastructure. You'll receive email confirmations for all transactions, and you can track the status of funds in real-time through your Holdyn dashboard.
Ready to Protect Your Transactions?
Create secure payment transactions with confidence, knowing your funds are protected by Stripe's trusted infrastructure.
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