A dedicated client trust account
Every funded dollar goes into a dedicated NZD client trust account at BNZ, separate from company operating funds.
Held safely
Where the money actually sits.
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
From bank to defined outcome.
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
Only three things can happen.
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
A ledger that can’t quietly change.
Each entry cryptographically commits to the one before it. The chain is verified every six hours, and balances are reconciled daily.
Append-only ledger
Chain verified- 09:41Deposit confirmed against bank feed#1042
- 10:02Escrow marked funded#1043
- 11:18Milestone submitted for approval#1044
- 11:32Release initiated#1045
Defined outcomes only
Funds are released on approval, refunded, or frozen under a documented dispute outcome. Nothing moves informally.
Tamper-evident records
Every movement is written to an append-only, hash-chained ledger and automatically re-verified every six hours.
Refunds return to source
If a job falls through or resolves for the buyer, funds return to the buyer’s bank from the trust account.
Who stands behind it
- Legal entity
- COIN Limited
- FSP
- FSP1012829
- Dispute scheme
- FSCL 9690
- Client funds
- BNZ trust account
Defined outcomes
What happens when someone objects.
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
If the client raises a concern instead…
Dispute opened
Funds freeze on trust
Evidence both sides
Photos, messages, scope
Resolution
Released, refunded, or split
Straight answers
Where is my money actually held?
In a dedicated NZD client trust account at BNZ, held on trust by COIN Limited trading as wlbr.
Can wlbr staff release money without me?
An escrow completes only through a defined outcome: your release, an approved milestone, a lapsed review window, or a documented dispute resolution.
Do you hold card details?
No. Payments are bank-to-bank through Akahu open banking, authorised inside your own banking environment.
See the payment rail in action.
Walk through a protected payment or start your first escrow.