Escrow your rent monthly in Accra – secure for landlords, flexible for you.
Renters in Accra and African cities must pay 1-2 years' rent upfront due to deep trust issues, locking away capital needed for business and causing weeks of exhausting, unreliable house hunting.
Renter pays first few months into platform escrow; released monthly after simple photo-check occupancy. Landlords get payment guarantees without chasing. Automates reminders and disputes via neutral arbiter.
Entrepreneurs, returnees, diaspora professionals, and startup communities relocating to Accra and other African cities
Occupancy-verified escrow tailored for African trust gaps, with mobile app check-ins.
supportive
Deposit rent via Stripe into vault.
Monthly photo upload for verification.
View escrow balance, approve releases.
Cron job releases funds on verification.
Simple form for issues, admin review.
Email/SMS for check-ins.
Payment history PDFs.
Manage multiple escrows.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| role | text | No |
| stripe_id | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| renter_id | uuid | No |
| landlord_id | uuid | No |
| property_address | text | No |
| monthly_amount | int | No |
| balance | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| escrow_id | uuid | No |
| month | int | No |
| photo_url | text | Yes |
| approved | bool | No |
| approved_at | timestamp | Yes |
Relationships:
/api/escrowsCreate escrow
/api/checkinsSubmit occupancy photo
/api/escrows/:id/releaseTrigger payout
/api/dashboardUser escrows list
No disputes
2% fee cap
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 80 | 1.5% | $60 | $720 |
| Month 6 | 700 | 4% | $1,120 | $13,440 |
Monthly deposits, verified occupancy – peace for renters & landlords in Accra.
Target Accra relocation Twitter threads and Facebook expat groups with free trial escrows; email 15 entrepreneurs from startup events; offer to co-working residents via direct outreach.
High traffic
No escrow/payment tools
Built-in trust escrow
Transaction data for risk scoring; stickiness via ongoing escrows.
Rising evictions from defaults; fintech boom enables easy escrows.
Payout disputes
Reserve fund + insurance
Stripe limits in GH
Test early + alternatives
Escrow regulations
Legal review
Success: 70% interest
Success: 3 live
Success: 20% referral rate
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