Your money.Safe until thedeal is done.
Arboon holds your funds in escrow and releases them only when you confirm delivery — no bank account, no risk, no regrets.
The Problem
Billions Lost. Every Year. In Plain Sight.
Algeria's economy runs on trust — and right now, that trust has no safety net.
670 Mrd DZD+
informal deposits / year
Real Estate Deposits
Verbal agreements on property down-payments. No enforcement. No documentation. Broken promises every year.
12M+
daily FB/IG buyers
Social Commerce
12 million Algerians buy on Facebook & Instagram daily. No payment layer. No dispute process. Scams are rampant.
0%
payment protection
Freelance Work
Clients disappear after delivery. Freelancers work without guarantees. No way to enforce payment.
The Root Cause
77% of Algerians are unbanked or underbanked
No consumer escrow product exists in Algeria
PayPal is inaccessible; no Escrow.com equivalent for the region
WhatsApp "guarantors" have no legal standing
Ouedkniss — Algeria's dominant classifieds — has no payment layer
The Solution
The Word You Already Know. Now Enforced by Technology.
For generations, "Arboon" has meant a binding commitment — a down-payment that signals serious intent. We didn't invent the concept. We digitized it. Your money is held in a regulated trust account — never touched by anyone — until your conditions are met. No bank account required. No paperwork. No lawyers.
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Your money is locked safely. We release it the moment the seller delivers.
No Bank Account
Sign up with national ID and phone
WhatsApp Native
Start escrow without downloading anything
5-Day Resolution
Dispute? Our arbitrators step in fast
How It Works
Three Steps. Total Protection.
Step 01
Lock
Agree on terms. Lock the funds.
You and the other party set the conditions. You deposit funds into a secure escrow account. The seller sees the money is real. You know it's safe.
Step 02
Verify
Seller delivers. You confirm.
The seller delivers the goods or service. You confirm delivery — or set a timer for auto-release. You define what 'done' means in advance.
Step 03
Release
Conditions met. Funds released.
Satisfied? Funds release instantly. Something wrong? Our neutral arbitrators step in and resolve the dispute within 5 business days.
Features
Everything You Need to Transact with Confidence
No Bank Account Needed
Sign up with your national ID and phone. Our cash agent network lets you top up and withdraw at locations across Algeria. Built for the 77%.
WhatsApp-Native
Start an escrow without downloading anything. Send a payment link in your WhatsApp chat. The other party accepts in seconds.
Set Your Own Conditions
Delivery confirmation, time-based auto-release, milestone payments. You define what "done" means — we enforce it.
Dispute Resolution
5-Day SLASubmit evidence, get an assigned arbitrator, receive a binding decision within 5 business days. Fast-track option under 12 hours.
Verified Seller Badge
Build trust with a reputation system. Buyers know who they're dealing with before they commit.
B2B API
For PlatformsEmbed Arboon escrow into your product. White-label widget, REST API, webhook delivery, developer sandbox.
Works on 2G
App bundle under 15MB. Offline read-only mode. Optimised for Algeria's real network conditions.
Arabic & French
Full Arabic RTL support. Full French language layer. Every notification, screen, and message — in the language you prefer.
Use Cases
Built for Every Transaction That Matters
Buy or sell with complete confidence.
The buyer locks funds — the seller sees the money is real. The seller transfers ownership — the buyer releases funds. No middleman. No risk.
Buyer locks funds
Seller confirms listing
Ownership transfers
Funds released
400 Mrd DZD+
annual used-car market
The Opportunity
The Opportunity Is Real
Algeria has no trust infrastructure player. Arboon is building the category.
Used car market (annual)
Real estate informal deposits
Facebook/IG marketplace users
Algerians unbanked or underbanked
Total Addressable Market
Market CAGR through 2033
Trust & Compliance
Your Funds Are Protected by Law — Not Just Policy
Arboon is not a bank and not a payment app. It is a digital escrow platform — your funds are secured, tracked, and only released when you say so.
Funds Locked Until You Confirm
Your money is locked in escrow the moment a transaction starts. No one can touch it — not the seller, not Arboon — until you confirm the deal is done.
Segregated Trust Accounts
Your funds are held in segregated escrow accounts — completely separate from Arboon's operating funds. We never touch your money.
KYC-Verified Parties
Every user is verified through national ID, phone, and liveness checks. You always know who you're transacting with.
AML & Sanctions Compliance
Real-time AML monitoring, OFAC/UN sanctions screening, and automated suspicious activity reporting.
Data Protected by Algerian Law
All personal data stored and processed in compliance with Law 18-07 on personal data protection. Algeria-region cloud infrastructure.
Arboon is a registered digital escrow service provider. Client funds are held in segregated trust accounts and are not insured by any government deposit insurance scheme. Operated by DINARI / DeepMinds.