Trust is the Foundation
of Every Trade
lockt protects every transaction with military-grade encryption, blockchain verification, AI fraud detection, and regulated smart escrow — so you can trade with confidence across borders.
Regulated Escrow. Zero Risk.
Every trade is protected by a regulated escrow engine. Funds are locked on funding, tracked through the shipment lifecycle, and released only on verified delivery confirmation.
Escrow State Machine
Trade order created, awaiting importer funding
Importer deposits funds; 2% platform fee deducted
Goods shipped, documents verified, GPS tracked
Importer confirms delivery — funds auto-disbursed
Dispute filed by any party — escrow locked pending review
FROZEN state branches off from any active state when a dispute is filed.
Who Holds the Funds
Funds are held by a regulated third-party escrow agent — not lockt directly. lockt acts as the orchestrating platform, ensuring neutrality and regulatory compliance.
What Triggers Release
The importer submits a delivery confirmation with evidence. Upon verification, the smart contract automatically disburses funds to all parties including farmers and freight forwarders.
What Triggers a Freeze
Any party — importer, exporter, or freight forwarder — can file a dispute. This immediately freezes the escrow account pending AI-assisted arbitration within 72 hours.
Platform Fee
A 2% platform fee is deducted at funding. This covers escrow management, AI monitoring, blockchain anchoring, and dispute protection for the full duration of the trade.
Every Document. Immutably Proven.
Document fraud is the single biggest vector for trade scams. Every document on lockt is hashed with SHA-256 and anchored to the Polygon blockchain — making forgery mathematically impossible to hide.
Document Upload
Trade participant uploads document to the lockt platform.
SHA-256 Hashing
A cryptographic fingerprint (SHA-256 hash) is generated from the document contents.
Polygon Anchoring
The hash is written to the Polygon blockchain — creating an immutable, timestamped proof.
QR Code Issued
A QR code linking to the on-chain record is embedded on the document for instant verification.
Blockchain-Verified Documents
What Blockchain Verification Prevents
Real-Time AI. Zero Tolerance for Fraud.
Our multi-model AI fraud engine monitors every transaction, document, user session, and device signal in real time. Threats are flagged before they can cause harm.
Document Forgery Detection
Multi-model AI scans every uploaded document for signs of digital manipulation, metadata inconsistencies, and template fraud.
Behavioral Anomaly Detection
Continuous session-level behavioral analysis flags unusual navigation patterns, typing cadence, and interaction sequences.
Payment Fraud Prediction
Predictive model trained on 2M+ trade transactions identifies high-risk payment patterns before funds are committed.
Device Fingerprint Analysis
Every session is fingerprinted across 40+ device and browser signals. Repeated fraud attempts from new accounts are detected instantly.
Behavioral Signals Monitored
Verified Before the First Trade.
Every business and individual on lockt is fully verified before they can trade. Our multi-step KYC/KYB process eliminates anonymous bad actors from the platform.
Identity Document Scan + Liveness Check
Government-issued ID is scanned using OCR and AI. A biometric liveness check confirms the applicant is a real, present person — not a photo or video.
Business Registration Verification
Business registration documents are cross-referenced against official government registries in the applicant's jurisdiction.
Director / UBO Verification
All directors and Ultimate Beneficial Owners (UBOs) with over 25% ownership are independently verified to prevent shell company abuse.
Sanctions Screening
Applicants are screened against OFAC, UN Security Council, EU, and UK sanctions lists in real time. PEP (Politically Exposed Person) checks are also performed.
Ongoing Transaction Monitoring
KYC is not a one-time event. All verified accounts are continuously monitored for behavioral changes, transaction anomalies, and updated sanctions matches.
Sanctions Lists Checked
Your Reputation, Earned.
Every lockt member has a 1–5 star Peer Rating built from ratings given by the people they trade with after every completed transaction. Higher scores unlock better financing rates, reduced fees, and priority trade matching.
Full identity and business verification status
Volume and consistency of completed trades
On-time escrow funding and settlement track record
Frequency and outcome of filed disputes
Quality and authenticity of uploaded trade documents
Average time to release funds after confirmation
Rating Tiers
Higher Score Unlocks
- Reduced escrow fee (down to 1.5%)
- Faster trade finance approvals
- Priority buyer / seller matching
- Marketplace featured placement
- Enhanced dispute protection
Built to Regulatory Standards.
Compliance is not an afterthought at lockt — it is baked into the architecture. From data protection to anti-money laundering, every layer is regulation-ready.
GDPR Compliant
Full compliance with EU General Data Protection Regulation. Users have the right to access, correct, and erase their data.
AML/KYC — FATF Aligned
Anti-Money Laundering and Know Your Customer policies aligned with Financial Action Task Force (FATF) recommendations.
Regulated Escrow
Escrow operations conducted by licensed, regulated escrow agents under applicable financial services law in each operating jurisdiction.
AES-256 + TLS 1.3 Encryption
All data is encrypted at rest using AES-256 and in transit using TLS 1.3 — the industry gold standard for data security.
SOC 2 Type II
SOC 2 Type II audit currently in progress with a leading independent auditor. Expected completion Q3 2025.
ISO 27001
ISO 27001 Information Security Management certification is on our official roadmap. Controls implementation underway.
Fair Disputes. Fast Resolution.
When disputes arise, lockt provides a structured, evidence-based resolution process backed by AI analysis, on-ground agents, and blockchain-anchored proof.
AI Evidence Analysis
72-hour AI reviewOur AI system analyzes all submitted evidence — photos, shipping documents, communication logs, and GPS data — and produces an impartial assessment within 72 hours.
On-Ground Country Agents
34 countries coveredPhysical verification when needed. lockt has trained country agents in 34 active trade countries who can conduct in-person inspections and collect evidence.
Blockchain Evidence Chain
Blockchain-timestampedAll evidence is timestamped and anchored to the blockchain, creating a tamper-proof, legally admissible audit trail for the full dispute lifecycle.
Legal Arbitration Escalation
Full legal escalationWhere resolution is not achievable on-platform, disputes can be formally escalated to legal arbitration through our network of international trade arbitrators.
Trade With
Full Confidence.
Every layer of lockt — from KYC to blockchain to AI — exists to ensure you trade in a secure, verified, and protected environment. Join 2,800+ businesses already protected by lockt.
No credit card required · KYC verification in under 48 hours · Cancel anytime