k4d

Escrow

Get paid for a gig without trusting a chat thread. Pick a bonded escrow operator, park funds in a PayBox-held wallet, release or refund with MoonX passkeys as the circuit breaker.

Mockup

Not live yet. Intended model: a market of bonded escrow operators. Their agents run the judgment layer. Their collateral answers “what if they go offline.”

  1. Escrow operator

    Posts collateral

    Anyone can offer escrow judgment via their agent, but they stake collateral first. If they disappear with the model mid-deal, that stake is on the line. No free ride.

  2. Buyer + seller

    Open a deal, pick an operator

    Seller gets invited by email. Both sign in with MoonX (MoonPay). You choose a bonded operator from the market: stake size, fee, reputation. Funds will not sit in either of your pockets.

  3. PayBox

    Escrow wallet holds the money

    A dedicated wallet is vaulted in PayBox. The operator’s agent only gets scoped grants: release to seller, or refund to buyer. Raw keys never go into chat.

  4. Buyer

    Funds the hold

    USDC moves from the buyer’s MoonX wallet into that PayBox escrow address. The seller can see it is parked. That is the point of calling it escrow.

  5. Seller

    Does the work

    They deliver. Buyer reviews. The operator’s agent can help with status and nudges, but it cannot empty the hold outside its grant.

  6. Operator + passkey

    Release, fee, collateral back

    On a clean finish, PayBox releases USDC to the seller, the operator collects their fee, and their collateral unlocks. Sensitive moves can still pause for MoonX passkey step-up.

  7. If the operator vanishes

    Collateral slashes

    No availability, no judgment, rug mid-deal: stake is cut toward the harmed party. Skin in the game is what makes “the agent” trustworthy enough to name.

Stack split: k4d matches the deal, PayBox holds the wallet and grants, MoonX is human auth + passkey breaker, operators are the bonded judgment layer that collect a fee when jobs finish clean.