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Answers

Straight answers to the questions people ask before they trust Paddy with a transaction.

Is Paddy an escrow service?

Mechanically, yes, but Paddy is built for the stranger problem, not as a traditional escrow service.

Paddy is a real, early-stage startup, but it doesn't hold your money itself; a licensed bank does.

Pay-on-Delivery feels safe for buyers, but for sellers it can become a slow financial bleed.

1% of the transaction, capped at ₦2,000, charged to the seller only — buyers pay nothing.