Settle bets like you settle bills.

Welcome & Discover

From the moment a user signs in, Escrow.fm puts every active market front and center. The home screen surfaces featured tournaments, live balance, and one-click bet creation. The Explore catalog spans all six categories — sports tournaments (World Cup, UCL, NBA Playoffs, Premier League, La Liga, MLB, F1, MotoGP) alongside crypto thresholds, political milestones, esports finals, pop-culture events and macro/commodity markets — each with its own badge, date range and sub-event count.

Home dashboard. Wallet, featured tournaments, win-rate, and the one-input bet creator — every entry point in a single view.

Explore catalog. Active macro markets across the six categories — football, basketball, baseball, motorsport, crypto, politics, esports, entertainment and macro/commodity. The top filter chips let users narrow by category; each card drills into its full sub-event list.

Each tournament opens into a grid of bet-ready cards: the league crest anchors the top-left, real team logos render on every matchup, and every card carries its sport, sub-league, date, kick-off time and resolution-readiness in a glance — no clicking required to know what's on the table.

FIFA World Cup 2026. Group stage to Final — 31 fixtures laid out as a card grid. Each card shows the actual country flags, host venue and kick-off time so a user can scan the whole tournament in seconds.

NBA Playoffs 2026. Conference Semis, Conference Finals and the NBA Finals — each game is its own bet card, with the actual Cavaliers, Pistons, Spurs and Timberwolves crests rendered inline.

UEFA Champions League. The 2025/26 Final — PSG vs Arsenal in Budapest — surfaces as a single live market card with both club crests ready to bet on.

Premier League 2025/26. Final matchday — all ten kick-offs rendered as cards at once. Arsenal's title-race climax is one click away, with every fixture's badge and timing in plain sight.

Funding the Account

The escrow wallet supports USDT and USDC natively, with the architecture ready for additional networks. Every action — deposit, lock, payout, refund — is recorded in a cryptographically auditable transaction ledger that the user owns end-to-end.

Wallet. Live available + locked balances per stablecoin. Locked funds are visible at all times so the user always knows where their money is.

Transactions ledger. Bet locks, wins, losses and refunds — every event timestamped and traceable to its underlying bet or pool.

Create a bet with AI

Most platforms make users hunt through a catalog. Escrow.fm lets a user simply describe what they want to bet on in plain English. The AI matches the intent to a structured market — pulling teams, sport, sub-category, resolution criteria and oracle sources — and presents a ready-to-confirm bet card.

AI Bet Creator landing. Featured tournaments at the top, trending prompt suggestions below, and a single input box that accepts any natural-language bet idea.

AI response in real time. The user types "Cleveland Cavaliers will beat the Detroit Pistons in Game 6 tonight". The AI verifies the matchup against live sources, flags the correct game date, and returns a ready-to-confirm event card with both team logos, sub-category and stake — all in one round-trip.

From AI suggestion to signed bet. Clicking the suggested card expands the full creation form: stablecoin selector, stake presets, market type (Main / Totals / Player Props / Specials), prediction side with team crests, modality (1v1, 1-vs-Group, Group-vs-Group) and an AI Oracle resolution badge. Two power-user options sit one toggle away: Asymmetric Bet — set a different stake amount for the opponent so the two sides put up unequal money on opposite odds; and Private Bet — invitation-only matches that don't appear in the public feed and can only be accepted by a specific counterparty. Both ride the same escrow rails as a standard P2P bet.

Create a bet from an Event

For users who prefer to browse, every event opens a fully structured creation form: pick the outcome (with the team crest or country flag rendered next to its name), choose a stake from preset USDT amounts, pick between 1v1, 1-vs-Group, or Group-vs-Group modalities, set a match deadline, and let the AI Oracle handle resolution automatically.

Event detail. Every World Cup match renders as its own bet card with both country flags, kick-off time and venue. The 2-column grid lets the user scan the whole tournament without scrolling through endless rows — one click on any card opens the full bet creation form.

Match & Lock

An open bet appears in the global Marketplace, where any other user can browse and accept. On acceptance, both wallets debit atomically — there is no partial state. The bet transitions from open to matched, and both sides see locked funds in their wallet until resolution.

Marketplace. Browse open bets, filter by sport and stake, accept with one click. The card shows the creator, their pick, the deadline and the total pot.

Accept Bet modal. One-click acceptance: the modal displays the matchup with both country flags, who is betting on what, the exact amount to lock (10 USDT), the bet type (P2P), and the user's available balance. A confirmation checkbox protects against accidental clicks. Funds are debited atomically the moment "Accept Bet" is pressed.

The Conversation

Every accepted bet gets a real-time, private chat channel between the two participants. The chat is fast, isolated per bet, and indexable if a dispute later requires human review. It's where trash talk lives — and where context is preserved when stakes are real.

In-bet chat. Five-message exchange between Fcorp and Soncley on the Yankees vs Mets Subway Series — both online, both connected, real-time delivery.

Bet Lifecycle

A bet on Escrow.fm passes through eight distinct states. The UI surfaces each one with a unique badge, status banner and ledger impact — so users always know exactly where their wagers stand and what's coming next.

① Open. Created and funded by one user. Visible in the Marketplace until matched or expired.

② Matched. An opponent accepted. Both stakes locked in escrow until the event resolves.

③ Live. The event is in progress. No actions allowed; AI Oracle is watching for the final result.

④ Won. Fcorp's pick was correct. Winnings credited automatically to her wallet. "🏆 You won 9.00 USDT!"

⑤ Lost. The other side won. The user's stake is transferred to the opponent and recorded in the ledger.

⑥ Disputed. If the losing side disagrees with the AI Oracle, they can open a dispute. The bet enters human review with funds still held in escrow.

⑦ Refunded. The event was cancelled or postponed beyond the agreed window. Both stakes are returned in full.

⑧ Expired. No opponent matched before the deadline. The creator's stake auto-refunds back to their wallet.

Pools — Group Betting

Beyond 1-on-1 wagers, Escrow.fm runs multi-participant pools: dozens or hundreds of users back the same prediction, and the winning side splits the prize pot proportionally to each entry's stake. Each card shows the live stake distribution between options so the crowd's confidence is visible at a glance.

Prize Pools. 15 active markets covering NBA, MLB, La Liga, Premier League and the World Cup. Every card shows the real-time split between the two options and the total pot.

Pool Lifecycle

Pools follow their own state machine: Open → Locked → Live → Resolved → Distributed, with cancellation paths. Every transition is visible on the pool detail page and recorded in the transactions ledger of every participant.

Locked. Entry deadline passed. No new participants; existing stakes remain in escrow waiting for the event.

Live. The event is currently being played. AI Oracle monitors official sources for the final result.

Resolved. The outcome is confirmed by the Oracle. Winnings are queued for distribution to all correctly-predicting participants.

Distributed. The prize pot has been split proportionally across the winning side. Every transfer is timestamped in the ledger.

Cancelled. If the underlying event is cancelled, all entries are refunded in full to every participant.

My Activity & Records

Users track their full history in two views: My Bets (active wagers and recent resolutions) and Records (win rate, streaks, total resolved stake, trust score). The numbers come directly from the on-chain-style ledger — no second source of truth.

My Bets. Status badges (Open / Live / Disputed / Ready) keep the active wagers organized. Each card links to the full bet detail.

Records. Win rate, longest streak, total resolved volume in USD, dispute history — the public reputation surface for every user.

Community

Escrow.fm is not just plumbing — it's a social product. A global leaderboard ranks the most profitable users, a real-time public chat keeps the community talking between bets, direct messaging keeps friends connected outside any specific bet, and every profile is a public showcase of skill, history and trust.

Leaderboard. Multi-metric rankings — wins/losses, win rate, volume, ROI and net P&L — across Daily, Weekly, Monthly, Yearly and All Time windows. A "Latest Big Wins" rail at the top surfaces the most recent oversized payouts in real time.

Messages. One-on-one direct messaging across the platform — friend connections persist across bets and pools.

Profile. Every user gets a public profile page with their nickname, avatar, trust points, recent bets and head-to-head history.

Global Chat. A single platform-wide public room, accessible from anywhere via a floating bubble. Real-time WebSocket delivery with rate-limiting per trust level, spam filtering, mute/ban admin controls and a 72-hour message retention window. Users trade picks, react to live games, and call each other out for hedge bets — the social layer that turns silent wagering into a feed.