Media Guarant

Protect $120M in P2P deals with native Telegram escrow

Telegram has become a marketplace. Deals are closed in chats. Payments are sent manually. Trust is assumed, not enforced.

In high-risk P2P environments, this model breaks at scale. Media Guarant is a native escrow layer embedded directly into Telegram—enforcing trust without adding friction to deal flow.

$120MPay Protected
-83%Dispute Rate
-61%Fraud Reduced
Media Guarant
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Trust infrastructure for P2P transactions

Executive Summary

Garant is a Telegram escrow infrastructure for high-risk P2P environments. The product embeds deal logic into Telegram Web Apps, eliminating the need for external escrow platforms.

Garant combines automated escrow mechanics and crypto settlements (TON, USDT, ETH) with a scalable, production-ready backend architecture. The system meets Tier-1 reliability, auditability and security requirements.

Use AI App Cost Calculator To Estimate Your IdeaA SaaS platform for private clinics that streamlined patient onboarding, records, and communication
The challenge we faced

The Problem

Before launch, the market showed structural weaknesses that limited scale.

  • Lack of trust in Telegram deals

    Transactions in chats relied entirely on mutual assumption. There was no enforceable mechanism to guarantee fulfillment from both sides.

  • High fraud rates in P2P transactions

    Fake payment confirmations, disappearing sellers and post-payment disputes created systemic instability.

  • Overly complex escrow alternatives

    Existing escrow services required redirection to external platforms, registration flows and KYC. Each additional step reduced completion rates.

  • No native transaction experience

    Users were forced to leave Telegram to complete secure deals. This introduced friction and broke conversational commerce.

The turning point

The Insight

Users do not want to manage risk. They want risk removed by default. Trust is not created by adding tools. It is created by embedding guarantees directly into the environment where transactions already occur.

If escrow logic becomes native to Telegram, structured and automated, P2P commerce can scale without increasing fraud exposure.

The moves that unlocked growth

The Breakthrough Solution

  • Secure fund holding

    Funds are programmatically locked at deal initiation and released only when predefined conditions are satisfied. Release logic is deterministic and state-driven.

  • Automated and assisted deal flows

    Standard transactions are fully automated. Complex or disputed cases transition into operator-assisted flows without breaking escrow guarantees.

  • Transparent transaction history

    Every state transition is recorded. Deals are structured entities with immutable logs, enabling traceable dispute resolution and long-term trust memory.

  • Risk-based deal engine

    Deal logic dynamically adapts to transaction risk. Low-risk flows remain fully automated, while high-risk scenarios trigger stricter validation and conditional release mechanics.

Making it real

How It Was Built

State machine–driven core

Deals are implemented as a deterministic state machine. All transitions are validated server-side.

Atomic transaction layer

Escrow uses atomic transactions to guarantee balance, state and audit log consistency.

Real-time synchronization

Deal updates are shared instantly, ensuring both parties always see the same validated state.

Business Results

$120MPay Protected
-83%Dispute Rate
-61%Fraud Reduction
+94%Deal Completion Rate
+88%Platform Trust Score
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