Creditcoin’s Fix for eCommerce Transaction Risk: Conditional, On-Chain Payouts

The article proposes a Creditcoin-based escrow wallet that secures e-commerce by holding funds in smart contracts, releasing an initial portion at delivery and the balance after a short inspection window. Buyer and seller earn on-chain reputation (scores) that unlock incentives like advances and loans; held funds can earn yield. Disputes are capped to ~7 days via tiered resolution (AI → mediators → admin). Deep integrations—USSD, Credit Wallet, Gluwa Payment Gateway, eNGN—make it accessible in Nigeria and similar markets. Net effect: fewer scams, clearer accountability, lower risk for both sides.