Business transaction control
The agreement, the evidence and the money, held to the same terms.
Dhira Pay turns a commercial agreement into a structured transaction: who the parties are, what must be delivered, how it is accepted and when funds may be released. Then it holds every step to those terms.
In development · Sandbox only · No live funds
Transaction · DP-2026-000104
Warehouse management system implementation
Highveld Fabrication pays Protea Digital
Agreed
Funded
Active
Settled
- 1Discovery and solution designSettledR 185 000
- 2Core build: receiving and putawayAcceptedR 520 000
- 3ERP integrationIn progressR 445 000
- 4Training and go-liveNot startedR 330 000
- Safeguarded
- R 1 295 000
- Settled
- R 185 000
- Eligible
- R 520 000
Next: a finance approver at Highveld Fabrication approves the release for milestone 2.
Illustration with fictional businesses and sandbox amounts
One record
A transaction that can answer for itself.
Most business payments are held together by an email thread, a purchase order and somebody's memory. When something goes wrong, nobody can say with certainty what was agreed or who did what.
Every Dhira Pay transaction answers eight questions, at any moment, for every party.
- What was agreed?
- The accepted terms, fixed by a fingerprint that every party accepted.
- What has happened?
- An append only history of every event, with who acted and when.
- What remains outstanding?
- Each open obligation and the party it is waiting on.
- What evidence exists?
- Documents and statements tied to the milestone they support.
- Who took each action?
- A named person, acting for a named organization, in a named role.
- Which conditions are met?
- Every release condition, checked from recorded facts.
- What financial state applies?
- Initiated, received, safeguarded, in transit or settled. Never blurred.
- What needs attention?
- Signals that show the facts behind them and decide nothing on their own.
A formal lifecycle
From agreement to settlement, one explicit step at a time.
A transaction is never in a vague state. It moves through declared stages, each transition is checked against the rules, and each one is written to the record.
Structure
Parties, terms, milestones and conditions are set out.
Agree
Every party accepts the same fingerprinted terms.
Fund
The payer funds. Work starts once funds are safeguarded.
Perform
The payee delivers and submits evidence.
Accept
The payer assesses each agreed criterion.
Settle
Funds are released and the provider confirms.
Or resolveIf the parties disagree, the milestone and its funds are put on hold until a decision is recorded, by the parties together or by the adjudicator they named.
Financial control
Money moves on conditions, not on clicks.
Dhira Pay decides why, when and under what conditions money becomes eligible to move. It does not move money itself. Movement is carried out by regulated financial infrastructure, and a financial state is shown as confirmed only when that infrastructure reports it.
That is why “paid” is not a word the product uses. There are six states, and the difference between them is the difference between a promise and a fact.
- InitiatedPayment details are issued. No money has moved.Provider
- ReceivedThe provider reports that the money arrived.Provider
- SafeguardedThe provider confirms it is held in the protected structure.Provider
- EligibleThe agreed conditions for a milestone are all met.Dhira Pay rules
- InstructedAn approved release was accepted by the provider.Provider
- SettledThe provider confirms the payee was actually paid.Provider
Who it is for
Any two businesses with an agreement and a payment between them.
When the parties disagree
A dispute keeps the record in order: facts, claims and decisions stay apart.
Fact
What the record shows: the agreed criteria, the due date, the evidence, the provider events.
Claim
What each party asserts and asks for. Recorded as theirs, never presented as established.
Decision
What was determined, by whom and on what authority: the parties together, or the adjudicator they named.
Transaction intelligence
It points out what needs attention, and shows its working.
Acceptance decision on milestone 1 is 1 day overdue
The agreed review period of 5 days has ended. The agreement provides for deemed acceptance when it lapses.
- Submitted
- 28 Sept 2026
- Review due
- 3 Oct 2026
- Deemed acceptance agreed
- Yes
Rule acceptance.review_window v1. Advisory only: it changes nothing.
Signals come from versioned rules over recorded facts. They recommend. Releases, dispute outcomes and changes to terms remain with authorised people and the rules the parties agreed.
Where Dhira Pay stands today
The foundation is built. Live funds are not enabled, on purpose.
The transaction engine, the lifecycle rules, the ledger, the audit chain and this interface exist and can be explored in a sandbox with fictional businesses.
Holding and moving client money is regulated. Dhira Pay will connect to live funds only through financial infrastructure that has been legally validated for South Africa, and not before.