Online marketplace buyers lose money to fraud and failed transactions with no recourse

Consumers purchasing on online marketplaces face significant risk of payment loss when transactions fail, sellers disappear, or fraud occurs, with limited buyer protection because current marketplaces prioritize connecting buyers and sellers rather than securing the transaction itself. This problem is acute in emerging markets like South Africa where payment infrastructure is less mature and dispute resolution is slow. Existing marketplace solutions lack transaction-centric security, leaving buyers vulnerable to losing their money with no clear path to recovery.