On larger projects, the biggest payment risk is the gap between doing the work and getting paid for it. Escrow closes that gap by moving the money out of the client's hands and into a protected balance before the first task starts. The freelancer can begin with confidence that the funds are committed, and the client keeps the assurance that nothing is released until they sign off.
Escrow is usually paired with milestones. The project is split into stages, each with an amount attached, and the money for a stage releases only when that stage is approved. This keeps delivery and payment moving in step rather than settling everything at the end.
In KAZI, milestone escrow is built into projects: the client funds the project by card through Paystack, the funds are committed up front, and each milestone releases on approval — so there is no invoice to chase after the work is already delivered.