In the rapidly evolving online marketplace, the lack of reliable and secure transaction mechanisms often leads to mistrust between buyers and sellers. Buyers fear paying upfront without guarantees of product delivery, while sellers are concerned about potential payment frauds. The problem is more prominent in high-value or bulk transactions where both parties face substantial risks.

The need for a trustworthy transaction handling system is critical, especially for businesses operating in sectors where transactions are complex and involve significant amounts. Existing solutions are either too complicated or do not cater to both individual and business users effectively.