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Truvia
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How Truvia works, step by step.

Buy, sell, hire, or deliver with a binding contract and a secure payment process. Truvia holds the money until both parties do exactly what they agreed. Here is the complete lifecycle, from first signature to final release.

Join Truvia for Free Start with Step 1
TRUVIA Amount N450,000 Send Adaeze O. Sent successfully TRUVIA VAULT Received N450,000 Locked in vault Chidi E. Received successfully N Transaction sent From payer's dashboard Received in vault Awaiting confirmation TRUVIA ESCROW Holds funds, both sides protected

Both parties protected. Every step documented.

Truvia helps people do business safely by protecting both parties with a binding contract and a secure payment process.

Whether you are buying a product, selling goods, hiring a professional, or providing a service, Truvia ensures both parties agree on the terms before the transaction proceeds. Payments remain protected until the agreed conditions for releasing the funds are met.

PAYER Adaeze O. RECEIVER Chidi E. Protected Until delivery

Ten steps. One protected transaction.

Follow the flow from first signature to final release. Every step has a deadline, an action, and a record.

  1. 01

    Create a Contract

    Either party can create a contract on Truvia and invite the other person.

    The contract states what the transaction is about, how much it costs, what each person must do, the deadlines, and any agreed milestones.

    This binding contract serves as the official record of your agreement and the reference for resolving any disagreement.

    You can create it in minutes.Define the amount, the deliverables, the milestones, and every deadline upfront.
  2. 02

    Review and Agree on the Terms

    The invited person receives a notification and reviews the contract.

    If they agree with everything, they accept it. If they want changes, they can appeal and suggest new terms.

    The other person receives the request and can accept it or propose further changes. This continues until both parties agree. Once they accept the same terms, the contract is confirmed, and both parties are notified.

    • Accept as is and move to funding
    • Appeal with alternative terms
    • Both parties notified the moment it is confirmed
  3. 03

    Fund the Contract

    The person responsible for paying transfers the agreed amount using the bank details provided by Truvia.

    Once Truvia confirms receipt, the funds appear in the designated recipient's Truvia Vault, where they remain locked until the applicable release conditions are met.

    The recipient cannot withdraw the locked funds simply because the money has arrived. The agreed contract and its fulfilment conditions determine when the funds can be released.

    Funds locked on arrival.Visible on the recipient's dashboard, impossible to withdraw until the contract is fulfilled.
  4. 04

    Track Progress with Milestones

    For transactions involving multiple stages, the parties can use milestones to track progress.

    For example, a seller can upload pictures of a product being packaged, while a designer or developer can share screenshots, documents, pictures, or videos showing completed work.

    Each update provides evidence of progress and helps both parties understand what has been completed.

  5. 05

    Review Milestone Updates

    The other party can review each milestone update and either acknowledge it or raise a query if something is wrong.

    If a query is raised, the responsible party is notified and can respond, correct the problem, and provide updated evidence.

    This helps both parties address issues early instead of waiting until the end of the transaction.

    Early feedback prevents late disputes.Raise a query, get a fix, get back on track.
  6. 06

    Complete the Contract and Receive Payment

    When the product has been delivered or the service has been completed, the responsible party marks the contract as fulfilled.

    The other party then checks the delivery or completed work against the agreed contract.

    If everything is satisfactory, they confirm acceptance. Once the applicable release conditions are satisfied, the funds are unlocked and become available for withdrawal to an eligible Nigerian bank account.

    Truvia then records the contract as successfully completed.

    Dual confirmation unlocks the vault.Both parties must confirm, then funds release.
  7. 07

    Open a Dispute if Something Goes Wrong

    If the product, service, or completed work does not meet the agreed terms, the receiving party can open a dispute instead of accepting the fulfilment.

    Both parties are notified, and Truvia's dispute team reviews the contract, milestone updates, supporting evidence, and the issues raised.

    The dispute is assessed against the terms agreed upon by both parties, subject to applicable law and Truvia's dispute procedures. The outcome determines how the funds are handled in accordance with the applicable resolution.

    Disputes are capped at three hours.A ticket opens, both sides present evidence, and a finding is issued against the contract.
  8. 08

    Request Changes or Cancel a Contract

    Sometimes circumstances change, and a party may need to adjust the agreement or stop the transaction.

    Either party can appeal to request changes or propose contract termination. The other party receives a notification and can accept the proposal or challenge it.

    A contract cannot be terminated simply because one party requests it. The required agreement and termination procedures must be followed. Where termination is accepted, the parties establish how completed milestones, outstanding obligations, compensation, and remaining funds should be handled under the agreed settlement.

    No unilateral exits.Both parties must agree on how the transaction unwinds.
  9. 09

    What Happens if Someone Stops Responding

    Truvia takes contract deadlines seriously. If either party fails to respond when a milestone deadline is reached, without submitting an appeal or addressing the issue, Truvia will attempt to contact them using the contact information provided during identity verification.

    The person will be asked to respond to the contract. If they fail to respond within three hours of Truvia's notification, the contract will be suspended and the case will become subject to the appeal and dispute process.

    The available party will then see an option to request payment for the milestones they have completed. If they choose to proceed, Truvia's dispute team will review the existing contract and the work completed. The available party and Truvia's dispute team will prepare a proposed settlement contract documenting the completed milestones, the compensation due, and the termination arrangements.

    Once the required parties have reviewed and accepted the settlement terms, Truvia will settle the completed work according to the approved agreement, terminate the original contract, and return the remaining eligible funds to the paying party's Truvia Vault.

    2.5% Contract breach fee
    A contract breach attracts a fee of 2.5% of the amount involved, in accordance with Truvia's applicable fee rules. The fee will be applied to the relevant breach as specified in the contract and Truvia's published terms.
  10. 10
    Step 10 กค Breach

    What Happens When a Contract Is Breached

    A contract breach occurs when a party fails to meet an agreed contractual obligation.

    Examples may include failing to deliver a product, failing to complete an agreed service, or failing to honour a contractual commitment.

    Where a breach occurs, Truvia may suspend the contract and initiate the applicable review and resolution process.

    2.5% Breach fee applies
    Truvia charges a contract breach fee of 2.5% of the amount involved, according to its applicable fee rules. The handling of completed milestones, compensation, refunds, and remaining funds follows the agreed contract and the applicable resolution.

    This process helps ensure that contract breaches are addressed through documented procedures rather than informal promises.

Every stage, mapped end to end.

Funds, signatures, milestones, and disputes visible on a single timeline.

01 Contract created 02 Agreed by both parties 03 Funded locked in vault 04 Delivered with proof 05 Released dual confirmed CONTRACT LIFECYCLE Every stage carries a deadline. Every action is timestamped.

Why use Truvia

Because safety, clarity, and accountability should never be optional.

Clear agreements

Both parties know exactly what is expected before proceeding.

Protected payments

Funds remain locked until the agreed release conditions are met.

Progress tracking

Milestones help document work and delivery at every stage.

Better communication

Parties can raise queries and request changes without leaving the contract.

Dispute resolution

Disagreements are reviewed against the agreed contract, not opinions.

Accountability

Contract breaches are subject to established procedures and applicable fees.

Convenient withdrawals

Eligible funds can be transferred to any Nigerian bank account.

Timestamped proof

Every file, update, and action is stamped and tied to the contract.

Time boxed disputes

No stalled transactions, every dispute resolves within three hours.

Truvia makes trust part of every transaction.

Whether you are buying, selling, or providing a service, Truvia helps you agree on the terms, protect your payment, track progress, and resolve disagreements through a documented process.

Join Truvia for Free

Agree on the terms. Fund the contract. Track progress. Complete the transaction with confidence.

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