Kenyans who have used LockPesa point to a handful of recurring benefits that keep bringing them back for their next transaction, whether it is a small online sale or a large business deal.

Fraud is a growing concern: As more commerce moves online and onto social media platforms in Kenya, fraud has followed. LockPesa escrow gives ordinary buyers and sellers a practical, accessible tool to fight back.

Protection for buyers: money is only released once a transaction has been confirmed as delivered, removing the risk of paying and receiving nothing.

Protection for sellers: because the funds are already deposited before work begins, sellers do not have to worry about chasing a buyer for payment after delivery.

Dispute resolution: if something goes wrong, LockPesa can hold the funds until the disagreement is sorted out, instead of one side simply losing their money.

Trust between strangers: escrow makes it possible to transact safely with people you have never met, whether online or through a marketplace.

Every LockPesa transaction is tracked from the moment funds are deposited to the moment they are released, giving both parties a clear record they can refer back to if a question ever comes up.

Before your next a transaction, especially with someone you are dealing with for the first time, consider running it through LockPesa. The small extra step of using escrow can save you from a costly loss.

Escrow is not a new invention, it has protected large real estate and business deals for decades in many countries, handled by lawyers and banks. What LockPesa has done differently is bring that same protective structure down to everyday Kenyan transactions, integrating it with the mobile money habits people already use daily, and removing the legal fees that once made escrow feel out of reach for ordinary buyers, sellers and small business owners.

It is worth remembering that escrow is not about assuming the worst of the other party, most transactions, even between strangers, complete without any issue at all. Rather, escrow is about removing the small but real chance of loss so that both sides can negotiate, agree and complete a deal with full confidence, rather than hesitation. As more Kenyans transact with people outside their immediate circle of family, friends and known business contacts, that confidence becomes increasingly valuable, whether the deal is worth a few thousand shillings or several million.

Take a moment to explain the process to the other party before you begin, since a transaction goes far more smoothly when both sides understand why the funds are being held and when they will be released.