Stop chasing payments.
Start getting paid on time.
Jifwa locks your payment milestones before work begins — so both you and your buyer are protected from day one.
PROJECT MILESTONES
AI Chatbot & LLM Integration
Total Agreement: ₹6,00,000
✓ Milestone Released
₹1,50,000 was securely locked in escrow. After mutual approval of the RAG pipeline & LLM selection, funds were instantly released.
✓ Milestone Released
₹2,50,000 was safely locked before integration. On delivery verification, funds were instantly released without any payment chasing.
🔒 Escrow Locked & Secured
₹2,00,000 final payment is secured. Neither party can unilaterally change terms. Guaranteed to automatically release on final handover.
Active Milestone Status
₹10,000 Cr in MSME payments are delayed every year in India.
Because behind every invoice is a builder's time, honest labor, and livelihood.
Verbal agreements don't protect you
Your buyer promised to pay in stages. Now they're delaying. You have nothing in writing that both sides agreed to.
Informal negotiations don't hold up
Payment terms discussed casually over chat can be denied, changed, or ignored. There's no enforceable record.
You finish the work. They delay the payment.
You've delivered. But now there are 'disputes' about what was agreed. The power shifts to whoever controls the money.
Three steps. Both sides protected.
No complex legal jargon. Just a clear handshake that guards everyone's trust.
Lock the Milestones
You and your buyer define payment milestones together — ₹X when design is done, ₹Y on delivery, ₹Z on sign-off. Both parties confirm. Jifwa locks it.
Do the Work
Work proceeds as normal. When a milestone is reached, you mark it complete on Jifwa. Your buyer gets notified to review and release.
Get Paid
Once the buyer approves the milestone, payment releases automatically. No chasing. No follow-up messages. No awkward calls.
Jifwa Escrow Simulator™
See exactly how quick it is to secure your contract & milestones in under 60 seconds.
Milestone Status Simulator
Trigger simulated Jifwa system alerts to test how the real-time context toast notifications protect users.
Who is this contract protecting?
Both sides are bound to terms. Enter your name and your client's name below to try it.
"Real example: Vardhman, an AI consultant in Bengaluru, used Jifwa for a ₹8L AI implementation project. His buyer tried to delay the final integration milestone payment citing 'minor feature tweaks' — but both had already confirmed the milestone terms on Jifwa. Payment released within 24 hours."
✓ LOCKED RECORD PREVENTED DISPUTE ESCALATION
Mutual Milestone Lock™
Most tools let one party set the terms. Jifwa requires both buyer and seller to digitally confirm payment milestones before any work begins. Once locked, neither side can change them unilaterally.
Buyer-Seller Consensus
Both parties confirm terms, no one can claim they didn't agree. Everything is established upfront.
Tamper-Proof Records
Every milestone, amount, and approval is timestamped and stored. Immutable log prevents changing parameters mid-way.
Dispute Prevention
Disagreements are resolved before they happen, not after. Eliminates delays on deliverables with pre-set terms.
REGULATORY & RECOGNITION BADGES
We're not a tech company that discovered payments.
We're builders who've been in business.
Meet the Founders
Shoeb Shaikh, CEO
10+ years at Cognizant, Amazon, Wipro. Seen how payment disputes destroy MSME relationships.
Vardhman Jain, CTO
Built the AI parser and Milestone Lock engine from scratch.
"We believe business agreements should feel like a simple, trusted handshake, backed by absolute security. No anxiety, no delayed chase — just honest work getting paid honestly."
— Shoeb Shaikh, Jifwa CEO
Guaranteed Security & Legitimacy
DPIIT-recognized startup (Govt. of India)
Officially certified startup supported by the Government of India.
AI-powered invoice verification
We review invoice validity using AI models, not just forms.
Both parties must confirm terms
Locks prevent any unilateral modifications or disputes.
Immutable timestamp records
Every single milestone approval is securely timestamped and auditable.
Strict Data Privacy
Your data is never sold, shared, or compiled for marketing.
Bank-grade encryption
All transaction records and private business data are stored securely.
Designed to bring trust to both sides of the contract.
You delivered. You deserve to get paid.
- Know your payment timeline before you start work
- Get notified immediately the moment a milestone is due
- No more hearing "we're processing it" for weeks on end
- Maintain a full legal-ready record of agreed and paid milestones
Pay fairly. Build trust with your vendors.
- Show vendors you are serious before work begins
- Structured milestone releases mean better cash flow planning
- Avoid painful disputes that damage long-term business relations
- Provide a full audit trail for your accounts and tax teams
Answers for the anxious.
Simple, transparent pricing
Start free. Scale as you grow. No hidden charges.
Starter
For freelancers & solo contractors
Agency
For teams and agencies
Studio
For growth agencies
The Fintech Layer
"We only win when you get paid successfully."
Beyond your workspace subscription, our transactional routing handles all your escrow, stamp-duty, and bank settlements. No hidden platform margins or setup charges. Just a transparent percentage built around mutual integrity.
💳 Escrow Settlement Engine
Our automated smart settlement routing processes and clears invoice payments directly into your primary bank account instantly upon milestone approval.
🛡️ Predictable Pricing Guarantee
No matter how high your transactional volume scales, platform charges are capped at ₹25,000/mo. Clear protection for expanding agencies.
⚖️ Stamp Duty Compliance
Generates legally binding, digital-signature-enabled contracts containing built-in stamp duty processing compliant with Indian state laws.
🏦 White-Label API Routing
Enterprise and banking partners can route settlement pipelines natively under their brand, aligning directly with corporate identity.
📈 Trade Receivables Discounting
Direct connection to institutional trade exchange systems (TReDS) in India, unlocking quick, competitive MSME factoring rates.
⚡ The Fintech Layer activates automatically as your invoice volume scales. No separate sign-up required.