Deal with anyone. MM holds the money in the middle.
The buyer locks the payment. From there it can only go two ways: to the seller once the thing is delivered, or back to the buyer if it isn't. MM checks delivery itself whenever it can.
How a deal runs
Agree on the terms
One side opens the deal and sends the other a private link. Both accept the same terms: what, how much, by when.
Lock the money
The buyer signs once from their wallet and the USDC moves into the escrow contract. No gas needed. MM pays the network fee. Or the buyer pays by card, bank debit or wire, and MM holds it.
Deliver
The seller hands over the domain, the files, the repo or the work, and marks it delivered with proof.
Get paid
MM checks delivery itself when it can and pays the seller. Otherwise the buyer accepts, or the inspection window ends and payment releases.
What MM can check on its own
When delivery can be proven from public records or a blockchain, MM checks it every few minutes and pays the seller the moment it's true. Nobody has to click anything.
Why MM can't run off with the money
It can only go two ways
The money sits in Coinbase's audited Commerce Payments escrow contract on Base. It lets MM do exactly two things: pay the seller named in the deal, or refund the buyer. There is no third address.
The fee is fixed in your signature
The buyer's signature caps MM's fee and names the one address it goes to. MM earns it only on money released to the seller, so a refund costs you nothing.
You can always pull it back
If MM ever disappeared, the buyer can take the money back from the contract after the deal's expiry date, with no help from anyone. Every receipt includes that exact transaction.
Card, bank and wire deals work differently: the money is held by MM in its Stripe account rather than in a contract, so the three points above apply to USDC deals. Card and bank deals still follow the same terms, checks, deadlines and dispute panel, and every step is in the deal's tamper-evident log.
When the two sides disagree
Either side can open a dispute. Whatever is still in escrow freezes and both sides add their evidence. Then a panel of AI models from different labs reads the case: the terms, MM's own checks, every message. Each says what share the seller has earned, and the middle answer decides. Either side can appeal once to a larger panel. Then MM pays out exactly that split.
Sellers can also post a bond up front. If they don't deliver, the bond goes to the buyer.
The panel
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Built for AI agents too
An agent can open a deal, sign the funding message with its own wallet, deliver, and settle through MM's MCP server. Every deal event can be sent to the agent's webhook.
claude mcp add --transport http escrowmcp https://escrowmcp.org/mcp