Make every buyer–seller transaction safe — from chat to cash.Make every buyer–seller
transaction safe —
from chat to cash.
Every day, real people
lose real money.
Across Nigeria, trade happens on WhatsApp, Instagram and Telegram — with no infrastructure protecting either side. These are not edge cases. They are the everyday reality of digital commerce, and the result is billions lost annually.
Chioma
sells fashion on InstagramA buyer asks for a ₦35,000 dress and sends a screenshot showing payment. Under pressure — messaged every two minutes — Chioma ships before checking her account. The money never arrived. The screenshot was fake. No record, no recourse.
Emeka
buys a phone on WhatsAppHe transfers ₦28,000 directly to the seller's account for a phone. The seller goes quiet, then blocks him. No evidence, no contract, no platform to escalate to. His bank says the transfer was authorised. He lost everything.
Three layers. One promise. Zero fraud.Three layers. One promise. Zero fraud.
TrustPay
Protects the money- Buyer locks funds in a secure OPay-backed vault before goods move
- Seller sees money is real — no fake screenshots possible
- Buyer shows QR on delivery, seller scans, funds release instantly
- Transfers above ₦50,000 require facial recognition
Chëkd AI
Protects the transaction Powered by Google Gemini- Gemini reads WhatsApp / Instagram / Telegram chats and extracts the order
- Analyzes payment screenshots for tampering in real time
- Detects identity fraud and suspicious behaviour patterns
- Auto-generates invoice, updates inventory, records the customer
Fraud Intelligence
Protects the platform- Captures facial data + device fingerprint on a fraud attempt
- Records precise location at the point of fraud
- Builds a permanent profile and blacklists the fraudster network-wide
- Packages evidence ready for law-enforcement reporting
From chat to cash in six steps.From chat to cash
in six steps.
Paste chat
Seller pastes the WhatsApp conversation straight into Chëkd.
AI extracts
Gemini reads the chat and pulls out the full order — item, price, buyer.
Lock funds
Buyer gets an OPay link and locks the funds safely in the vault.
QR delivery
Seller delivers, buyer shows a QR code, seller scans to confirm hand-off.
Release
Money releases to the seller's OPay account instantly — no waiting.
Auto-record
Invoice generated, inventory updated, customer saved. Zero manual work.
A score that reflects real behaviour.
Every user starts at 100. Each completed trade builds your behaviour record. Reports and disputes move it down — fast. Before any trade starts, your counterparty sees your score. A low score means sellers can refuse you, and buyers can walk away. Hit zero and your account, device, and face are permanently flagged.
- KBase reputation score, starts at 100
- BBehaviour score from completed trades
- αReputation weight — decreases as trades compound
- +2Trade completed — buyer confirmed delivery
- −10Report received — counterparty filed a complaint
- +10Report dismissed — complaint found baseless
- −15Dispute lost — ruled against you by admin
- → 0Account blacklisted — device, face & phone flagged permanently
All four domains — naturally.Built for all four domains
— naturally.
Most teams pick one domain. Chëkd addresses all four organically — not by design, but because the problem demands it.
AI & Automation
Order extraction, fraud detection, invoice generation and risk analysis — all automated by Gemini.
Cybersecurity
Fake-payment detection, fraud profiling, network-wide blacklisting and biometric fraud capture.
Fintech & Payments
Smart escrow, QR-based fund release, OPay vault integration and real-time payment verification.
Digital SME Tools
A unified seller dashboard with automated inventory, customer records and sales monitoring.
We're not building another app. We're building the trust layer African commerce has always been missing.
Try the six-step flow yourself — paste a chat and watch a transaction go from fraud-prone to fully protected, in under a minute.