Not insurance. Something more dependable in its own way: money that cannot move until the conditions both parties agreed to are actually met.
GRAJ Protection is not insurance, and it is not a guarantee that you will be made whole. GRAJ does not underwrite risk, hold a reserve against loss, or promise to pay you out of its own funds if a counterparty fails you. Any page telling you otherwise would be lying to you.
What GRAJ does instead is structural: the Protocol controls how money moves, and it will not move it until the conditions both parties agreed to have actually been met. That protection does not depend on GRAJ choosing to honour a claim — it is how the software works, and it applies identically to everybody.
The sections below are the specific, enforceable commitments. Every one of them is implemented in the Protocol and tested against production.
The Protocol will never disburse money it has not received. Not to a seller, not to a rep, not to a shipper recording work, not to a participant receiving funding.
This is the single most important protection on the Protocol and it runs in both directions. You are never promised money out of a payment that never arrived, and you are never asked to fund somebody else's shortfall.
A recorded obligation — an order placed, work claimed, funding agreed — is a record of what is owed. It is not a payment, and the Protocol does not treat it as one.
When a buyer pays, the money is held by the Protocol — not by the seller, not by the brand, and not at GRAJ's discretion. It moves only when every one of these conditions is true, checked by one function in the database that every payout goes through, whether a person presses the button or the hourly job runs:
There is no override. Nobody at GRAJ has a button that moves held money to either side early. If a condition is not met the money waits, and your wallet says which condition it is waiting on — "Until it arrives" for a delivery, "Held by a dispute" for a dispute — rather than showing a smaller number with no sentence attached.
The same list is published as data at /api/protocol/escrow-terms, and a build-time check refuses to deploy the Protocol if that list and the release function disagree.
Where an agreement requires proof of the work — a photograph, a document, a signature, a delivery confirmation — a claim submitted without it is refused outright. Not flagged for review: refused.
Proof travels with the claim, is visible to the counterparty, and is retained as part of the transaction record. Neither party can quietly change it afterwards.
Both parties choose, when they sign, whether proof is required and what the review window is. Those terms are fixed on the agreement and are what the Protocol computes from — changing them requires both parties to agree the change.
If you are paying: nothing settles until you confirm the work, and you may dispute a claim with a reason that goes on the record. You are not billed automatically for work you say was not done.
If you did the work: the other side cannot simply ignore you. Every claim carries a review window agreed in advance, and if the payer neither confirms nor disputes within it, the claim is treated as confirmed. Silence is not a way to avoid paying for work that was performed.
That symmetry is deliberate. A protection that only runs one way is not protection, it is leverage for whoever holds the money.
Where goods never arrived, arrived materially damaged, or were materially not what was ordered, a buyer is entitled to a remedy from the seller — a replacement, a repair, or a refund — regardless of the seller's stated return terms.
Where a seller cancels an order, the buyer is refunded in full, whatever cancellation policy applies. A cancellation policy protects a seller from a buyer changing their mind; it never lets a seller keep money for goods they chose not to send. See Cancellations & Refunds.
The remedy is owed by the seller, not by GRAJ. What the Protocol does is hold the record, compute the reversal correctly, move the money it holds, and make the evidence visible to both parties and to the card issuer if it comes to that.
When money goes back, every share of it goes back in the same proportion — the seller's payout, the rep's commission, any trailing residual, and GRAJ's own 5% fee. GRAJ does not keep a fee on money the buyer got back.
Refunds are calculated to the cent, are idempotent — a retried refund cannot pay twice — and can never exceed what was collected on the order. The Protocol refuses to over-refund rather than trusting anybody to get it right.
Capital cannot be released until the documents are executed, the disclosures are acknowledged by both parties, and both parties have passed identity verification. Those are hard gates, not reminders.
Repayments are tracked against the agreed schedule and are recorded in the append-only ledger. Both sides see the same outstanding balance in real time.
The risk of non-payment is yours. GRAJ services the arrangement; it does not lend, underwrite, guarantee, insure, or collect on your behalf. A recipient may fail to repay you, and if they do, that is a claim you have against them.
The financial ledger is append-only. Entries are never deleted or altered — a correction is posted as a reversing entry, so the history of what happened stays intact and visible.
Protocol activity is written to an append-only event log, and each batch of records is hashed into a Merkle tree whose root is anchored to the Bitcoin blockchain — so alteration is detectable by anyone, not just by us. See Verify.
This matters most when there is a dispute: neither party — and not GRAJ — can rewrite what the record says happened.
Being straight about the limits is the point of this page:
For any of these, the remedy is between you and the other party, or with your insurer. See the Terms of Service for the full disclaimers and liability limits.
GRAJCover does not exist yet. When it does, it will be a genuine, underwritten protection product with a named insurer, a stated limit, defined exclusions, and a claims process — and this page will say so plainly, with the policy documents attached.
Until then, nothing on the Protocol should be read as insurance, and no participant should rely on GRAJ to make good a counterparty's failure. If you need cover, buy cover.
The protections described above are not going away when GRAJCover arrives. They are the floor; cover would sit on top.
Raise it with the other party through the Protocol first, so the exchange is on the record. Most problems are a misunderstanding and resolve in a message.
If that does not work, open a dispute so both sides are looking at the same evidence.
If you believe there has been fraud, or you are at risk of loss, contact ilove@getreadyandjump.com immediately. We can act on a transaction to prevent further loss even though we do not decide who is right.