Intermediary mode
The seller gets a buyer and a payment path. The buyer gets a supplier and, if the bank separately approves, financing. The bank is paid for the settlement instrument. The platform is paid for arranging the deal. Inspection and logistics are paid for their own service when they are engaged.
Payment is not credited to an ordinary platform account. The buyer instructs the bank to block the amount. The bank holds it in the deal escrow and pays the seller only on the conditions of the chosen instrument. At that moment the platform fee is credited to its account at the bank. The bank fee is a separate entry.
By default the buyer pays the platform fee of 0.50% (at least €250) and the bank fee on top of the goods price. The seller receives the full delivery price. Bank fee: escrow 0.20%, letter of credit 0.35%, guarantee 0.25%, collection 0.12%, milestones 0.20%. The rates are a model and must be agreed with the bank before live operations. Splitting the platform fee can be written into the contract separately.
Escrow pays after delivery and inspection when inspection is required. A letter of credit pays against the accepted document set. Collection pays after the buyer accepts. Milestones: 30% of the seller's amount after shipment, the balance and both fees after delivery and inspection. A bank guarantee applies only within its text and amount.
It does not buy the goods from the seller in order to resell them. It does not promise approval of a loan, overdraft or limit. It does not replace the bank's check, sanctions screening or export rules. It does not treat the word “exchange” as a licence for regulated trading. A dispute stops the payout until the bank decides.
In this build Nordhaven Bank is the settlement circuit through which every platform deal already passes. Connecting a licensed bank means a contract, a tariff and replacing this journal with that bank's API. Until then the circuit must not be presented as an account at a real bank and other people's money must not be sent through it.