wlbrOpening your next page
A dedicated BNZ trust account, a small set of defined outcomes, and a ledger that makes every movement visible.
Escrow state
Held safelyAgreement
Funded
Held
$6,200
Approval
Released
Money path
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
Release outcomes
The money is released when the work is approved, refunded to the buyer, or frozen while a dispute is resolved. A dispute stops the affected release immediately.
Escrow state
ReleasedAgreement
Funded
Held
Approval
Released
$4,200
Escrow state
Frozen for reviewAgreement
Funded
Held
Approval
$1,800
Released
Release is paused while the dispute is reviewed.
Proof over promises
Each entry cryptographically commits to the one before it. The chain is verified every six hours, and ledger balances are checked daily against the escrows they back. Trust-account cash is reconciled against BNZ statements as part of our operating routine.
Append-only ledger
Chain verifiedDefined outcomes
When someone objects
The dispute path, step by step
Work submitted
Provider marks the job done
Client reviews
Against the agreed scope
Approved - released
Paid out to the provider
Dispute opened
Funds freeze on trust
Evidence both sides
Photos, messages, scope
Resolution
Released, refunded, or split
In a dedicated NZD client trust account at BNZ, held on trust by Financial Technologies Limited trading as wlbr.
An escrow completes only through a defined outcome: your release, a milestone or retention term you agreed when you funded, or a documented dispute resolution. We never release your funds just because a review deadline passed - if you don't respond, the money stays held.
No. Payments are bank-to-bank through Akahu open banking, authorised inside your own banking environment.
Walk through a protected payment or start your first escrow.