11.7 Dispute Resolution

A dispute is triggered when:

(a) The seller raises a dispute after the buyer marks payment.

(b) The seller fails to respond within the 15-minute confirmation window.

(c) Either party raises a formal complaint within 24 hours of a trade expiring.

Both parties are given 24 hours to submit evidence:

- Bank statements covering the date of the trade (PDF). - Any additional context.

Screenshots are accepted as supplementary context only. Bank statements are the primary evidence.

All submitted PDFs are run through Perfios/Authbridge for:

- PDF metadata validation. - Digital signature verification. - Anomaly detection (font inconsistencies, image layers over text, known manipulation patterns).

Submitting a tampered or forged document results in immediate ruling against that party, permanent suspension, and may result in a criminal complaint being filed. All users are Aadhaar-linked and fully identified.

A genuine payment appears on both parties' bank statements. The Platform's compliance team cross-references the buyer's debit against the seller's credit. The UTR provides an additional reference point. The outcome is almost always unambiguous from bank data alone.

The compliance team issues a ruling:

Payment confirmed: crypto released to buyer via smart contract.

Payment not confirmed: crypto returned to seller via smart contract.

The losing party's account is flagged. A second dispute loss within 12 months results in permanent suspension.