1 thing good about 'programmable' blockchain money is solving trading of value and the infamous 'who goes first' dilemma.
However we don't really see any proper decentralized escrow solutions available in the marketplace today, and most such trades that are 1 part on-chain and 1 part offline through bank or e-wallet transfers are conducted on centralized exchanges.
This means that centralized exchanges are privy to all personal and transaction data, which is undesirable when blockchain was meant to be peer-to-peer or direct without intermediaries.
We have built a decentralized wallet that has an inbuilt vault and chat, so users can connect with each other via their own wallet and create a vault together for protected transactions. Both parties need to sign before funds can be moved, thus the vault address can be used as a collection address for proof of funds.
Any similar solutions in the market? Feedback appreciated