What is Ketapay?
Ketapay is a Nigeria-based fintech platform offering escrow services to secure transactions between buyers and sellers. It holds funds safely until all parties confirm conditions are met — whether that’s delivery of goods, completion of a service, a P2P crypto swap, or a car dealership handover. The API is built on Supabase Edge Functions (Deno runtime) with PostgreSQL and strict Row Level Security enforced at the database level.Base URL
Core concepts
| Concept | Description |
|---|---|
| Escrow | A two-party agreement holding funds until release conditions are met |
| Milestone | A staged payment within an escrow — propose, approve, complete, release |
| Dispute | A freeze raised by either party when there’s a problem — resolved by admin |
| Wallet | Each user has a wallet; escrow funds flow in/out of it |
| KYC tier | CBN-mandated tier system that governs transaction limits |
| Virtual account | A dedicated bank account number for topping up the wallet via bank transfer |
| Conversation | Every escrow has a conversation (chat + lifecycle events merged into a feed) |
Escrow categories
| Category | Inspection window | Initiator / Counterparty labels |
|---|---|---|
goods_products | 24 hours | Buyer / Seller |
hiring | Manual release | Client / Freelancer |
auto_dealership | Immediate on delivery | Buyer / Dealer |
p2p_crypto | Immediate on approval | Sender / Receiver |
Quick links
Authentication
Phone + OTP + password flow
Escrow lifecycle
From draft → funded → released
KYC tiers
CBN 6-tier structure and limits
Disputes
Raise, negotiate, escalate, resolve