Getting Started for Payees

This guide walks you through accepting a deal, completing work, and withdrawing your funds on FiDeal.

Accepting a Deal

Open the payment link shared by the payer. You'll see the deal terms: amount locked, description of the work, milestones (if any), and the deadline.
Connect your wallet (see Wallet Setup). You can sign in with:
- Email or Google via Privy (a wallet is created automatically)
- Keplr browser extension
- MetaMask (for EVM payouts)
Review the terms. Make sure you understand what's expected before accepting. The deal description is the agreement — it's what gets referenced if there's ever a dispute.
Accept the deal. Sign the transaction with your wallet. The deal is now active, and the payer's funds are locked in escrow until you deliver.

You can also initiate deals by creating a payment request:

Go to "Request Payment" from the dashboard.
Set the amount you're requesting in USDC.
Choose your payout method:
- Agoric wallet (Keplr address)
- EVM wallet (MetaMask address)
- Email wallet (Privy — auto-created)
Describe the work (at least 50 characters). Be specific about what you'll deliver.
Add milestones (optional) — up to 10 staged payments.
Set a funding deadline — how long the payer has to fund (7, 14, 30, or 60 days).
Designate a payer (optional) — restrict who can fund, or leave it open.
Share the link with your client.

The 3% settlement fee is shown upfront so you can see exactly what you'll receive after fees.

Once the payer releases payment, your USDC arrives in your connected wallet. From there:

Privy wallet users — You can withdraw to your bank account via Stripe off-ramp directly from FiDeal. No crypto knowledge required.
Keplr users — USDC is in your Agoric wallet. Use any Cosmos DEX or bridge to convert or transfer.
MetaMask users — If you selected EVM payout, USDC arrives in your EVM wallet on the specified chain.

If the payer won't release funds after you've delivered, or if there's a disagreement about the terms:

Click "Raise Dispute" on the deal page.
Provide a detailed reason explaining your side.
The dispute enters a three-tier resolution process:
- Negotiation — Both you and the payer answer guided questions to try to reach agreement.
- AI Evaluation — An AI reviews the evidence against the original deal description.
- Human Review — A human reviewer steps in if needed.
The outcome is one of five splits: 100%, 75%, 50%, 25%, or 0% to you (remainder to the payer).
If no resolution is reached within 14 days, funds return to the payer.

3% settlement fee — Deducted from your payout when funds are released. The fee is tiered by deal size (larger deals pay a lower percentage).
No fee if the deal is cancelled, refunded, or expires.
Dispute resolutions — The fee applies only to your portion of any split.

Deliver what was agreed. The deal description is your contract. If you deliver something different from what was described, it weakens your position in a dispute.
Mark delivery promptly. The deal has a deadline. If it expires before you mark delivery, the funds return to the payer automatically.
Use milestones to your advantage. For large projects, milestones mean you get paid as you go instead of waiting until everything is done.
Keep evidence. If you think a dispute might happen, document your work. Screenshots, files, and communication records all help during resolution.
Choose the right payout method. If you want the simplest experience, use Privy (email sign-in) and withdraw to your bank via Stripe. If you want full control, use Keplr or MetaMask.