wlbrOpening your next page
Protected payments for real work
Know where the money is. At every step.
Fund a job into a dedicated NZ trust account. The provider sees the money is ready, and it releases only when the work is approved.
Flat 1.9% off the top, plus GST. No monthly fees.
- Registered FSP
- FSP1012829
- Client funds
- BNZ trust
- Payment rail
- Akahu
- Disputes
- FSCL 9690
Escrow · WLB-4471-QKHeld safely
$4,200.00 NZD
- Funded22 Jul
- HeldNow
- ReleasedOn approval
- Held for
- M. Tolley Plumbing
- Trust account
- BNZ · client funds
- Funded by
- Open banking
- Releases when
- Client approves
Segregated from company funds. Recorded in a signed, append-only ledger.
Trusted company
Proudly partnered with
- HGM Legal
- Akahu
- BNZ
The moneyflow
One visible state from agreement to release.
The important question is never “what happened?” It is always “where is the money now?” wlbr makes that state explicit to both sides.
- 1You fund it
- 2wlbr holds it
- 3They get paid when you say so
Escrow state
Held safelyAgreement
Funded
Held
$6,200
Approval
Released
Stage one released$2,200
Stage two held$2,800
Final approval$1,200
Two sides, one visible state
Whoever you are, you can see where the money sits.
For clients
Fund a job and it sits here, untouched, until you approve the work.
Escrow · WLB-5820-TRHeld safely
$1,850.00 NZD
- FundedMon
- HeldNow
- ReleasedOn approval
- Held for
- R. Ngata Builders
- Releases when
- You approve
For providers
Funds are confirmed before you start, and the release fires the moment work is approved.
Append-only ledger
Chain verified- Mon$1,850 confirmed against bank feed#1042
- WedMilestone submitted for approval#1043
- NowPayout initiated to your bank#1044
Two ways to use wlbr
The same protection, for invoices or the marketplace.
Flat 1.9% + GST · no monthly fees
wlbr
Send a protected payment link for your own job or invoice. The client funds it from their bank; you get paid on approval.
Explore wlbrEscrow state
FundedAgreement
Funded
$1,850
Held
Approval
Released
wlbr task
Post a job or find work on the marketplace. Offers, milestones, and releases all sit behind the same protected payment rail.
The numbers that matter
Simple fees. Money that stays protected.
A percentage is not an answer. Here is the whole sum on a $1,000 job, so you never have to work out your own take-home.
- Job price
- $1,000.00
- Escrow fee — 1.9%
- −$19.00
- GST on the fee — 15%
- −$2.85
- You receive
- $978.15
- flat escrow fee, plus GST
- 1.9%
- monthly fees, setup costs, or lock-in
- $0
- of client funds held on trust in NZD
- 100%
Trust architecture
Built around where the money actually sits.
Bank-to-bank funding, a dedicated BNZ client trust account, and an append-only record of every escrow movement.
- Dedicated NZD client trust account
- Hash-chained ledger checked every six hours - the record can't be quietly rewritten
- Registered FSP and FSCL member
Buyer bank
Authorised in internet banking
Akahu
Bank-to-bank open banking
BNZ trust account
Dedicated NZD client funds
Defined outcome
Released, refunded, or frozen
Append-only ledger
Chain verified- 09:41Deposit confirmed against bank feed#1042
- 10:02Escrow marked funded#1043
- 11:18Milestone one submitted#1044
- 11:32$8,400 release initiated#1045
Questions
The things everyone asks before the first payment.
What is wlbr?
wlbr is a New Zealand escrow payments service. A seller creates an escrow payment, the buyer funds it from their bank, and wlbr holds the money on trust in NZD until the buyer confirms the deal is done - then it's released to the seller, minus a flat fee.
How does escrow work and is my money safe?
When a buyer funds a payment, the money is held in escrow in wlbr's dedicated client trust account rather than going straight to the seller. Funds are only released when the buyer confirms the deal has been met, and if there's a disagreement the affected funds are paused until it's resolved. The trust account is kept separate from wlbr's own funds and reconciled regularly.
How do buyers pay?
Buyers pay by a direct bank-to-bank transfer initiated through Akahu open banking - no credit cards and no card details to enter. The money goes straight into wlbr's client trust account. Because payments come directly from the bank, there are no card chargebacks.
How do sellers get paid?
Add your New Zealand bank account in your dashboard, create an escrow payment for the agreed amount, and share the link with your buyer. Once the buyer releases the funds, the payment is paid out to your nominated bank account, minus wlbr's flat 1.9% + GST fee.
What does wlbr cost?
A simple, flat 1.9% + GST fee on each escrow payment, shown up front before the buyer funds and deducted when the funds are released. There are no monthly fees and no subscriptions.
What does wlbr task cost?
Tasks hired through the wlbr task marketplace carry a 10% + GST marketplace fee on completed work, in addition to the 1.9% + GST wlbr escrow fee - both charged on the agreed price. Operators see their exact net take-home when they quote, so there are no surprises. There are no monthly fees or subscriptions.
Is wlbr available across New Zealand?
Yes. wlbr works nationwide across New Zealand, with all escrow payments funded and paid out in New Zealand dollars (NZD) through open banking.
Start protected
Put the next payment on the rail.
No monthly fees. Funds held in a BNZ client trust account.