FiDeal — Product Overview

Every deal is a promise kept.

What Is FiDeal?

FiDeal is an escrow payment platform that lets anyone create a shareable payment link backed by a real on-chain escrow contract. Funds are locked in USDC until both parties confirm the deal is complete. No middleman holds your money. No platform can freeze, reverse, or take custody of your funds.

FiDeal is built on Agoric, a blockchain designed specifically for safe asset exchange. The escrow contract uses Zoe, Agoric's smart contract framework, which guarantees at the protocol level that your funds are either delivered to the recipient or returned to you. That's not a company policy — it's a mathematical property of the system.

What Is FiDealAI?

FiDealAI is FiDeal's agent-to-agent protocol. It enables AI agents to create, fund, and manage escrow agreements on behalf of users — automating deal creation, milestone tracking, and dispute resolution through a programmable API. FiDealAI extends FiDeal's trust guarantees into the world of autonomous commerce, where software agents transact with each other under the same escrow protections that human users receive.

Key Features

Shareable Payment Links

Create an escrow, get a link, share it. The recipient doesn't need to sign up, download an app, or create an account first. They open the link, connect a wallet, and the deal exists on-chain from that moment.

Multi-Wallet Support

FiDeal works with the wallet you already have:

Email or Google sign-in via Privy — a non-custodial wallet is created automatically. No seed phrases, no extensions to install.
Keplr — for Cosmos-native users who want full control.
MetaMask — for EVM users funding from Ethereum, Base, or Arbitrum.

Milestone Payments

Split large deals into staged deliverables. Each milestone has its own description and amount. Funds release incrementally as work is completed and confirmed — reducing risk for both sides.

Three-Tier Dispute Resolution

If something goes wrong, FiDeal provides a structured path to resolution:

Negotiation — Both parties answer guided questions and try to reach agreement.
AI Evaluation — Evidence is scored against the original deal description by an AI evaluator.
Human Review — A safety net for cases that need a real person.

Disputes resolve to one of five fixed splits: 100/0, 75/25, 50/50, 25/75, or 0/100 (payee/payer). There's a 14-day resolution window — if no agreement is reached, funds return to the payer automatically.

Fiat On-Ramp and Off-Ramp

Users can fund deals with a credit card via Stripe. The money converts to USDC, sits in escrow, and the recipient can withdraw to their bank account. The user never needs to think about crypto — but the settlement layer underneath is trustless.

Cross-Chain by Default

FiDeal accepts USDC from Agoric, Ethereum, and other supported chains through Agoric's Orchestration layer. The payer and payee don't need to be on the same network. One product, multiple entry points.

Automatic Expiry

Every deal has a deadline. If the payee doesn't deliver and the payer doesn't release funds before the timer runs out, the escrow expires and funds return to the payer automatically. No action required.

How It Works

Create a deal. Set the amount in USDC, describe the agreement, optionally add milestones, and choose a duration (7 to 60 days). Fund the escrow from any supported wallet.
Share the link. Send the payment link to the person you're paying. They can see the funds are locked and verify the terms.
Do the work. The payee completes the deliverables and marks each milestone (or the full deal) as delivered.
Confirm and release. The payer reviews the delivery and confirms. Funds release to the payee instantly, minus a small settlement fee.
If there's a problem. Either party can raise a dispute at any time before release. The three-tier resolution process kicks in.

Fees

FiDeal charges a 3% settlement fee, deducted only when funds are successfully released to the payee. The fee is tiered — higher-value deals pay a lower percentage. No fees are charged on refunds, cancellations, or expired deals.

Who Is FiDeal For?

Freelancers and clients who work across borders and want payment protection without a platform taking a 20% cut.
Small businesses that need simple, trustworthy escrow for service agreements and contracts.
Crypto-native users who want on-chain settlement with a clean user experience.
Cross-border traders who need fast, dollar-denominated payments without wire transfer delays.
Anyone who's ever sent money to someone online and wished there was a safety net.