For deals you bring to Crednce. Not a provider-matching marketplace.
AGREEMENT / EVIDENCE / DECISION01—05
ONE CONNECTED RECORDILLUSTRATIVE
Accra home renovation
London Accra Roof replacement
Agreement
Scope and milestones accepted
Funding
Full deal funded and locked
Evidence
Submission received
04
Review
Awaiting the client’s decision
NEXT DECISION
05
Payment
Not yet released
Payment not yet released.
A visible process. Not a promise in a chat.
STRUCTURE THE WORKVERIFY THE PROGRESSRECORD THE DECISION
THE PROCESS / 01—05
One deal. Every decision connected.
Follow one roof-replacement milestone in an Accra renovation. Each stage explains who acts, what is recorded and what happens next.Illustrative scenario. Not a live transaction.
01 / The agreement
Start with the same understanding.
The client and provider define the work, milestones, deadlines and evidence required. Both review and accept the terms before work proceeds.
THE DECISION
What does completion look like?
The agreed scope becomes the reference for delivery, review and any later changes.
The client funds and locks the full agreed deal amount before execution. Each milestone has an allocation within those funds; no part of the original price is left for a later deposit.
THE DECISION
Is the full deal funded and locked?
Full funding is not an immediate provider payout. Releases follow completed milestones, required evidence and approval.
Who actsClient + payment partner
ACCRA HOME RENOVATIONILLUSTRATIVE
FULL DEAL FUNDING Confirmed
Roof replacement
Full project funded and lockedUS$50,000.00
Roof allocation
US$12,000 · locked until completion and approval
Later milestones
US$38,000 · already funded and locked
Amount released
US$0.00
100% funded before work. No payment released yet.
London AccraONE CONNECTED RECORD
03 / The delivery
Connect the work to its proof.
The provider submits work against the relevant milestone, with files, notes and the agreed evidence. The client gets a record to review, not a collection of disconnected messages.
THE DECISION
What was delivered against this milestone?
Submitting evidence does not automatically mean the work has been accepted.
Who actsProvider
ACCRA HOME RENOVATIONILLUSTRATIVE
MILESTONE SUBMISSIONEvidence submitted
Ready for review.
Site photographs
Captured evidence · Example submission
PHOTO
Inspection report
Supporting document · Example submission
PDF
PROVIDER NOTE
Roof covering replaced. Please review the supporting evidence against our agreed requirements.
Submitted does not mean approved.
London AccraONE CONNECTED RECORD
04 / The decision
Review the work. Record the decision.
The client compares the submission with the acceptance criteria. Approve the work, request changes, or raise a specific issue under the deal’s agreed process.
THE DECISION
Does the submission meet the agreement?
Evidence supports the decision. A photograph alone does not establish that every requirement is met.
Who actsClient + relevant reviewer
ACCRA HOME RENOVATIONILLUSTRATIVE
CLIENT REVIEWAwaiting review
Make the next decision.
Check the submitted work against the scope, success criteria and required evidence.
Illustrative review. No real deal or payment is affected.
London AccraONE CONNECTED RECORD
05 / The payment
Approval is not the same as settlement.
After milestone completion and approval, its allocation is released from the existing locked funds through the payment partner. Processing and settlement confirmation remain separate from the review decision.
THE DECISION
Has settlement actually been confirmed?
The parties retain a connected record of the agreement, delivery, decision and payment status.
Who actsCrednce workflow + payment partner
ACCRA HOME RENOVATIONILLUSTRATIVE
DISTINCT PAYMENT STATESExample sequence
Follow the payment.
01
Release approved
The applicable release conditions have been met.
02
Processing
The payment partner is processing the instruction.
03
Settled
Settlement confirmation has been received.
A review decision alone is not a settlement receipt.
London AccraONE CONNECTED RECORD
WHEN THE PLAN CHANGES
Plans change. Keep the agreement clear.
An extra request should not quietly become part of the original price. Record the proposed work, cost, time and evidence requirements, then agree the change.
Accept, decline or revise it. If the scope grows, fund and lock the full added amount before that extra work starts.
Same project. A clear record of what changed.
CHANGE REQUEST / EXAMPLEAwaiting agreement
ORIGINAL AGREEMENT
Roof replacement
Milestone value
US$12,000
Agreed duration
14 days
PROPOSED ADDITION
Replace the gutters.
Additional cost
+ US$500
Additional time
+ 2 days
Original terms remain until agreement. Added work must be funded before it starts.
Illustrative change request. No real deal, deadline or payment is changed.
VERIFICATION & PROTECTION
The right level of proof. For the risk of the deal.
A small delivery and a major building milestone should not be assessed in exactly the same way.
01
THE SUBMISSION
Captured evidence
Photos, video, documents and notes are connected to the milestone. Capture context can support a review; it is not proof that every requirement has been met.
02
THE SPECIALIST
Professional review
Where arranged, a relevant specialist examines the work and supporting records, and may join a live review. Expertise complements the evidence.
03
THE SITE VISIT
Physical inspection
Where needed and available, an independent inspector visits the location, checks the work and submits a report against the agreed requirements.
IMPORTANT DISTINCTION
Specialist reviews and site visits depend on availability, cost and the agreed arrangement. Neither AI checks nor capture metadata should be treated as an unconditional guarantee of quality or completion.
PAYMENTS & DISPUTES
Clear roles. Even when it gets complicated.
THE PAYMENT ROLE
Who moves the money?
The client funds and locks the full agreed deal before execution. Crednce connects completed milestones, evidence and approval to releases from those funds. Payment partners handle processing and settlement.
Available methods, currencies, fees and timing must be confirmed. Partial deposits do not authorize work. Funding, milestone release approval and confirmed settlement remain different states.
Crednce workflowPayment partner
THE RESOLUTION PROCESS
What if we disagree?
Record the issue against the relevant milestone and supporting evidence. The parties can respond, propose a resolution and escalate under the applicable process when agreement is not reached.
Refunds, revisions and the treatment of remaining work depend on the agreed outcome and payment status. Raising an issue does not automatically reverse a settled payment.
Issue + evidenceResponse + resolution
CREDNCE IN ACTION
Different deals. The same need for trust.
Start with the situation you recognize. These examples show how the process adapts—not customer testimonials or promises of universal availability.
LONDON → ACCRA
LondonAccra
ILLUSTRATIVE SCENARIO 01
Construction & renovation
Build Back Home
Your project is in Accra. You are in London. Your decisions should not depend on guesswork.
Explore this scenario
Ama funds and locks the full US$50,000 renovation before work begins. Each milestone earns a release after completion and review against the agreed evidence. The contractor can see the entire commitment; Ama does not hand over every payment upfront. Added scope is agreed and funded before the extra work starts.
Agree the renovation scope
Fund and lock the full project
Submit milestone evidence
Review, resolve and settle
The roof-replacement walkthrough above demonstrates one milestone within this example project.
You approved the materials budget. Now connect the order, supplier payment and delivery record.
Explore this scenario
The client funds the full deal, including its materials allocation, before an order for 500 cement bags proceeds. Only 480 arrive. The shortfall keeps the affected delivery allocation pending completion or an approved resolution, rather than automatically releasing payment.
Confirm the materials allocation
Record the supplier and order
Define completion-based releases
Reconcile delivered quantities
Illustrative workflow. Full deal funding precedes execution. Supplier payments come from allocated funds after completed milestones or an approved resolution.
A US$250,000 order. Fully funded first. Released by milestone.
Explore this scenario
A buyer offering 40% now and 60% on arrival leaves an exporter chasing the balance. Crednce replaces that arrangement: the buyer funds and locks the entire US$250,000 before execution, and the exporter earns releases as processing, pre-shipment and arrival milestones are completed and approved.
Agree specifications and terms
Fund and lock the full US$250,000
Review inspection and shipment evidence
Approve releases from the locked balance
Illustrative workflow, not a financing offer. The 40% deposit / 60% later arrangement is not supported; the whole order must be funded before execution.
The order looks right. Find out whether the equipment matches it before the next decision.
Explore this scenario
Kojo funds and locks the full order for ten machines before execution. An inspection identifies a specification mismatch on one unit. The affected release stays pending correction and approval; later payments do not rely on fresh deposits.
Agree specifications and milestones
Fund and lock the entire order
Complete inspection and resolve exceptions
Approve releases from the locked funds
Full order funding precedes work. Inspection and arrival requirements still control their respective releases.
Five pages. One form.An online store? Separate scope.
ILLUSTRATIVE SCENARIOCrednce in action
Professional services
Beyond the Brief
“Build us a website” is a request. Turn it into an agreement both sides can work with.
Explore this scenario
Esi funds and locks the full US$6,000 website project before work begins. Design, build and handover each earn a release after completion and approval. An online store is new scope, so its extra cost is agreed and funded before it starts.
Define scope and acceptance criteria
Fund and lock the full project fee
Approve releases for completed milestones
Fund accepted additions before extra work
Illustrative scope and pricing, not a quotation. Full funding does not mean every milestone is already complete or paid.
Dispatched is not the same as delivered. Keep the handover connected to what arrived.
Explore this scenario
The sender funds and locks the full delivery-service fee before dispatch. Twenty cartons leave Accra; eighteen are received in Kumasi. The delivery allocation stays pending until the shortage is resolved under the agreed process.
Agree and fully fund the delivery
Record the pickup handover
Reconcile receipt and any shortage
Release after completed delivery or resolution
The full service fee is funded before dispatch. A discrepancy does not itself establish liability or authorize a payout.