These Terms govern your use of xrowdeal’s USDT escrow service. By creating an account, joining a deal,
or using the platform in any way, you agree to these Terms and to our related policies linked below.
Last updated: June 1, 2026
1. About xrowdeal
xrowdeal provides an online escrow coordination service for trades priced in USDT (Tether).
We help buyers and sellers document a deal, confirm payment, track delivery, apply optional hold periods,
and process seller payout after the agreed steps are met.
What we are not: xrowdeal is not a bank, exchange, custodian, or money transmitter in the traditional sense.
We do not take ownership of the digital goods being sold. We are not a party to your private agreement except
as described in these Terms and in the deal record you create on the platform.
How funds move: Buyers typically send USDT using payment instructions shown on xrowdeal
(enabled payment methods). We review payment proofs and update deal status. Seller payouts are sent to the
wallet or payout method the seller provides when release is processed—not through a shared “vault” balance
you can withdraw at will before the deal completes.
You must be at least 18 years old (or the age of legal majority where you live, if higher).
You must have the legal capacity to enter a binding contract and use escrow services in your jurisdiction.
You may not use xrowdeal if you are barred from doing so by law or if we have suspended or closed your account.
You are responsible for ensuring that your trades and use of USDT comply with laws that apply to you.
3. Accounts
Registration and security
You must provide accurate registration information (such as name, username, and email) and keep it updated in your profile.
You are responsible for safeguarding your password and for all activity under your account.
Do not share your account or allow others to use it on your behalf without our written permission.
We may require email verification and, in some cases, additional identity verification (KYC) before or during use of certain features.
Account status
We may suspend, restrict, or permanently close accounts that violate these Terms, our escrow rules, or applicable law.
Suspended or banned users may be unable to sign in or complete deals. See also
Security.
4. Escrow service
By creating, joining, or completing a deal on xrowdeal, you agree to the following principles and to our detailed Escrow service rules.
Deal terms are fixed at creation
The seller sets the deal amount, description, category, hold days, and who pays the escrow service fee (buyer, seller, or 50/50). Those terms apply to that deal unless we change status as part of support, payment review, or dispute resolution.
Typical lifecycle
Created — seller lists the deal; buyer may join with a deal code or link.
Joined — buyer is bound to the deal terms shown.
Payment — buyer pays the total shown (deal amount, buyer’s share of escrow fee if any, and payment-method fee) and uploads proof; xrowdeal reviews before marking the deal paid.
Delivery — seller delivers; buyer may accept or reject delivery.
Hold — after the buyer confirms receipt, the deal enters a hold period for the number of days set at creation.
Release — after the hold period and required payout details, xrowdeal processes seller payout and marks the deal completed when release is executed.
Your obligations as a party
Trade only in lawful digital goods and services; describe the deal honestly.
Use in-deal chat and uploads for coordination and evidence; do not ask the other party to pay outside xrowdeal to bypass escrow.
Buyers: pay only through methods and amounts shown on the deal payment screen; submit clear payment proof promptly.
Buyers: confirm delivery only after you have verified the asset or service; premature confirmation limits your ability to dispute later.
Sellers: deliver what was promised before marking delivered; provide correct payout details when requested.
Automated and administrative actions
Deals that remain unjoined for 24 hours may be removed automatically.
Payment and payout steps may require manual review by our team; timing depends on volume and verification needs.
There is no mutual “instant release” button for both parties—release follows the statuses and rules above, including admin processing after hold.
We may correct obvious errors, freeze progress, or change deal status when required for fraud prevention, disputes, or legal compliance.
Blockchain risk:
USDT transfers you initiate on a blockchain network are generally irreversible. xrowdeal is not responsible for funds sent to the wrong address, wrong network, or outside the instructions on your deal page.
5. Fees and payments
Escrow service fee
The escrow service fee rate starts at 5% of the deal amount
plus 0.1% for each hold day on the deal
. The fee in USDT is calculated from that rate and shown when the deal is created; it does not change for that deal after creation unless we correct an error.
At deal creation, the seller chooses whether the buyer, seller, or both (50/50) pays the escrow service fee. That choice determines how much the buyer pays in and how much the seller receives on payout.
Other charges
Payment method fees — fixed fees may apply when the buyer sends funds in, depending on the method selected.
Payout method fees — fixed fees may apply when the seller receives funds out.
Category offers — limited-time fee reductions or caps may apply to certain categories when shown at deal creation.
When fees apply
Escrow service fees are charged in connection with successfully completed deals as described on
Fees & pricing.
If a deal is canceled, disputed, or does not complete, refunds, fee treatment, and any amounts already paid
are handled according to these Terms, the escrow rules, and the outcome of any dispute—not as an automatic
“no fee ever” or “full refund guaranteed” policy for every situation.
Current pricing examples and payer options are on the Fees & pricing page.
That page is part of our service description; if it conflicts with these Terms on a legal point, these Terms control.
6. Prohibited conduct
You may not use xrowdeal to:
Buy, sell, or facilitate illegal goods, services, or activity
Trade stolen, hacked, fraudulently obtained, or misrepresented assets
Submit false payment proofs, fake delivery, or altered dispute evidence
Harass, threaten, or defraud other users or our staff
Circumvent escrow, fees, referral rules, or account limits (including off-platform payment to avoid the service)
Abuse referrals, partners, promotions, or withdrawals through self-dealing, fake accounts, or automation
Probe, scrape, or attack the platform; upload malware; or interfere with other users’ access
Engage in money laundering, sanctions evasion, or other financial crime
We may report serious violations to law enforcement where appropriate.
7. Disputes
Either buyer or seller may open a dispute on an eligible active deal (not completed, canceled, or already disputed).
Opening a dispute sets the deal to disputed and pauses seller payout while we review.
You must provide a truthful reason, description, and supporting evidence (up to the upload limits shown in the product).
You must accept dispute rules when filing, as presented in the dispute form.
We may review deal description, status history, chat, payment records, delivery data, and uploaded files.
Outcomes may include release to the seller, refund or partial refund to the buyer, account action, or other remedies we deem fair based on the record.
Finality: Dispute and release decisions made by xrowdeal under these Terms are final for platform purposes
(status, payout, and account access). If you disagree, your remedy is to stop using the service and pursue any rights you may have under applicable law.
xrowdeal may offer referral commissions, partner programs, and affiliate wallet withdrawals subject to separate
rules and settings (commission rates, unlock periods, minimum withdrawal amounts, and eligibility).
Referral codes and partner links must be used honestly; attribution is determined by our systems at signup and on completed deals.
Commissions generally relate to completed deals and the escrow service fee; they may be pending for a configured number of days before withdrawal.
We may reverse, withhold, or deny commissions tied to canceled, disputed, fraudulent, or abusive activity.
We may, with or without notice depending on severity:
Warn you, request KYC, or restrict features
Hold deals, payouts, or referral balances pending investigation
Suspend or permanently ban accounts
Cancel or update deal status where permitted by these Terms
Retain records as described in the Privacy Policy
You may stop using xrowdeal at any time. Closing your account does not remove obligations for deals already in progress,
amounts owed, or records we must keep for legal or operational reasons.
10. Disclaimers and limitation of liability
Service “as is”
xrowdeal is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted access,
error-free operation, or that every counterparty will perform honestly. You use the service at your own risk.
No warranty on goods
We do not warrant the quality, legality, or delivery of items traded between users. Sellers and buyers are responsible
for their representations and for verifying counterparties and deliverables.
Limitation
To the fullest extent permitted by law, xrowdeal and its operators are not liable for indirect, incidental, special,
consequential, or punitive damages, or for lost profits or data, arising from your use of the service.
Our total liability to you for any claim arising from a specific deal is limited to the lesser of
(a) the escrow service fees we collected on that deal or
(b) the deal amount in USDT stated on that deal—except where law does not allow such a cap.
We are not liable for losses caused by your mistake (wrong wallet, wrong network, phishing, shared passwords),
third-party networks, or events outside our reasonable control.
11. General provisions
Changes
We may update these Terms from time to time. The “Last updated” date shows the current version.
Continued use after changes constitutes acceptance of the revised Terms where permitted by law.
Entire agreement
These Terms, together with the Privacy Policy, escrow rules, fee pages, and program rules linked on the site,
form the agreement between you and xrowdeal regarding the service. If there is a conflict, these Terms prevail
unless a separate written agreement says otherwise.
Governing law
These Terms are governed by the laws of Pakistan.
You agree that courts in Punjab, Pakistan have exclusive jurisdiction over disputes arising from these Terms,
except where mandatory consumer protection law in your country requires otherwise.
Severability
If any provision is held invalid, the remaining provisions remain in effect.
