Challenge

Buying and selling second-hand items online often comes with trust issues. Swiftcourt’s vision was to eliminate that friction by creating a platform that offered legally binding digital contracts, e-signatures, and secure payment handling, all in one place. To make this possible, they needed a robust peer-to-peer (P2P) payment solution that could:

• Guarantee security for both buyers and sellers
• Handle transactions quickly without adding complexity
• Work seamlessly across multiple European markets
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The challenge was not just about building a payment flow, but also about designing a system that inspired confidence and felt effortless for everyday users navigating second-hand sales.

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Solution

Working in close collaboration with Swiftcourt’s team, we helped with designing and developing a secure escrow-based payment service. This solution ensures that:

• Funds are held safely in escrow until both parties confirm that the transaction terms are met.
• Sellers gain reassurance that payment is guaranteed before handing over goods.
• Buyers gain confidence that their money will only be released once the product is received in expected condition.
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To achieve this, we were part of implementing:

• Escrow logic integrated with Swiftcourt’s digital contracts.
• A streamlined user flow that keeps transactions simple while maintaining high levels of security.
• Compliance-ready architecture, making sure the system adheres to financial regulations across markets.
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The result is a reliable, user-friendly service that bridges the trust gap in second-hand transactions and supports Swiftcourt’s broader mission of making online buying and selling as secure as in-person exchanges.

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Impact

The escrow payment service has already been successfully launched in Germany and Scandinavia, two of Europe’s most competitive second-hand marketplaces. Its adoption has shown:

• Increased user trust and platform engagement.
• Faster transaction cycles thanks to the confidence escrow provides.
• A scalable framework that can expand into new regions as Swiftcourt continues its growth.

By combining technology, usability, and financial security, this collaboration has strengthened Swiftcourt’s position as a trusted fintech innovator in the second-hand economy.

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