TheTrueVault
A protected way to trade in Ghana

Your money doesn’t move until you have the item.

You pay into escrow instead of paying a stranger. The seller ships. You check the item. Only then does the money move. TheTrueVault helps buyers and sellers agree on the deal, verify important details, record delivery, and complete payment after the agreed conditions are met.

  1. Agree
  2. Buyer pays
  3. Seller delivers
  4. Payment released
Start a protected transactionSee how it works

Estimate a transaction

Protected
Who pays the TheTrueVault fee?
Item amountGHS 5,000
Payment processing fee (estimated)+ GHS 0
Total buyer paysGHS 5,000

An estimate. The exact amounts are confirmed before anyone pays.

Buyers pay with the wallets they already use

MTN MoMoTelecel CashAirtelTigo Money
How it works

Four steps, and both sides know where they stand

Every trade follows the same path, whether it is GHS 50 or GHS 50,000.

  1. 01

    Agree on the deal

    The seller creates a Deal Link with the item, the amount and the inspection period, then sends it over WhatsApp like any other message.

    Buyer
    You see the terms before you pay anything.
    Seller
    Creating and sharing a link is free.
  2. 02

    The buyer pays

    The buyer reviews the terms and pays by mobile money. TheTrueVault holds that payment against the trade.

    Buyer
    Your payment is tied to this trade, not handed to the seller.
    Seller
    You can see the money is really there before you ship.
  3. 03

    The seller delivers

    The seller marks the item dispatched and attaches proof. For a face-to-face handoff, the buyer reads out a 6-digit code instead.

    Buyer
    No code, no completion. Nothing moves without you.
    Seller
    Delivery is on the record, so “I never got it” is answerable.
  4. 04

    The buyer confirms

    The buyer inspects and accepts, and the payment completes to the seller. If something is wrong, they open a dispute instead.

    Buyer
    Seventy-two hours to check the item by default.
    Seller
    Once it is accepted, the payout is on its way.
The actual product

This is what the buyer sees

Not a diagram of how escrow works. The screens themselves. The handoff code below is generated by our servers and checked by our servers, so a seller cannot mark a trade delivered by guessing it.

Every defence we run, listed
A buyer's screen showing the six-digit handoff code 482915 with a QR code for the seller to scan
Illustrative. The buyer reads this code out only once the item is in their hand.
A trade showing GHS 9,500 secured in escrow, at step three of five
Illustrative. Funds held, seller not yet paid.
A trade in the inspection window with two days and five hours left to inspect
Illustrative. The inspection clock, counting down.
Use cases

From GHS 1 to GHS 1,000,000

If money and goods change hands between two people who do not yet trust each other, this is what it is for.

Electronics

Phones, laptops and cameras. The category buyers get burned on most, and the one where "it was working when I sent it" is hardest to argue.

Phones · Laptops · Cameras

Vehicles and parts

Used cars, motorbikes, spare parts. Big enough that nobody wants to send first, and the inspection period is doing real work.

Used cars · Motorbikes · Parts

Freelance work

Design, development, writing, video. The client’s payment is confirmed before the work starts, so neither side is working on a promise.

Design · Development · Video

Fees

One service fee, and you choose who pays it

Shown in full before anyone confirms a payment. Nothing is deducted that was not on the screen.

TheTrueVault service fee
1% of the transaction, minimum GHS 5, capped at GHS 50. Paid by the buyer, the seller, or split — whoever creates the transaction decides.
Payment processing fee
Charged by the payment provider for collecting the buyer’s money. Shown as its own line before the buyer confirms.
Payout processing fee
Charged when the seller’s payout is sent to their mobile money or bank account. Shown on the seller’s side of the summary.
Creating an account, creating a Deal Link, raising a dispute
Free. There is no subscription and no monthly charge.

The figures in the estimator above come from the same pricing service that runs at checkout, so what you see here is what is charged.

See full pricing
Deal Links

Sell from WhatsApp without asking for trust

Make a link, send it to your buyer. They see the item, the amount, the inspection window and exactly which checks you have passed, all before they pay. You never have to talk anyone into it.

Ghana Card identity
Sellers verify against their Ghana Card before they can receive a payout.
Payout account name matched
The name on the payout account is checked against the verified identity.
Trade record
Completed trades and dispute history are shown on the link itself.
Create a Deal Link
Protected by TheTrueVault

Ama Asante is selling

MacBook Pro M3, 14-inch

GHS 9,500

Fee: GHS 50 (seller pays) · Seller nets: GHS 9,450

Identity verified with Ghana Card

Payout account name matched

Completed 14 transactions

72-hour inspection period after delivery

Review and pay securely
Questions

What buyers and sellers ask first

Straight answers. Every figure below matches what the system actually does.

You raise a dispute from the transaction screen. The payment stays where it is — the seller cannot be paid out while a dispute is open. Our team reviews what both sides submit and decides whether the payment returns to you, goes to the seller, or is split.

Still have a question? Email support@thetruevault.com

Your next deal does not have to be a leap of faith

Setting up your first trade takes a couple of minutes. Starting is free, and a fee only applies to a deal that actually goes ahead.

Start a protected transaction

TheTrueVault holds payments against the state of a transaction. It is not a bank, and it does not take deposits or pay interest.