# Hold.bd

> Bangladesh's first online escrow platform for people and businesses. Funds are held in segregated trust accounts at a partner scheduled commercial bank until both buyer and seller agree the deal is done.

Hold.bd is an escrow service regulated under Bangladesh Bank's escrow framework with a partner scheduled commercial bank. Every transaction is protected by a segregated trust account under the partner bank's custodianship. Technology by KaritKarma Limited.

## How it works

1. Buyer and seller agree on terms (price, delivery, inspection period)
2. Buyer deposits funds into a segregated trust account at the partner bank
3. Seller delivers the goods or service, knowing payment is secured
4. Buyer reviews within the agreed inspection period and approves (or raises a dispute)
5. The partner bank releases payment to the seller via BEFTN, NPSB, or RTGS

## Use cases

- Freelance and services (milestone-based releases)
- Property and real estate (deed transfer with verified disbursement)
- Vehicles (inspection-first release)
- General merchandise and high-value goods
- Digital assets (domains, websites, digital businesses)
- Milestone / project-based transactions

## Pricing

Tiered fees from ৳1,000 minimum transaction up to ৳1 Crore+. Current schedule visible at https://hold.bd/#pricing.

## Key facts

- Country: Bangladesh
- Currency: Bangladeshi Taka (BDT, ৳)
- Partner bank: Bangladeshi scheduled commercial bank partner
- Regulator: Bangladesh Bank (central bank)
- Technology: KaritKarma Limited
- Disbursement rails: BEFTN, NPSB, RTGS

## Links

- [Homepage](https://hold.bd)
- [About](https://hold.bd/about)
- [Contact](https://hold.bd/contact)
- [Terms of Service](https://hold.bd/terms)
- [Privacy Policy](https://hold.bd/privacy)