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Acctbazaar · Digital marketplace

When selling a digital product meant trusting a stranger to pay first

Acctbazaar is a marketplace where merchants sell social media and gaming accounts, gift cards and crypto, and creators sell tickets, courses, eBooks and templates. I designed the merchant and creator sides: listing, delivery, escrowed orders, payouts and verification.

50k+registered users
125k+products listed
3profiles on one account: customer, merchant, creator
8product categories, from gaming accounts to event tickets
Creator dashboard showing total amount, accounts sold, payments and a monthly sales chart Mobile merchant welcome sheet listing the benefits of selling on Acctbazaar
My role
Lead Product Designer
Deliverables
Product structure for merchant and creator profiles
High-fidelity web and responsive mobile design
Wallet, orders, messaging and KYC flows
Duration
4 months

Context

Digital goods change hands every day. Trust doesn't.

In Nigeria, a lot of digital trade happens in WhatsApp groups, Telegram channels and Instagram DMs. A seller posts an aged Instagram account, a batch of Amazon gift cards or a USDT rate. A buyer messages, sends money by bank transfer, and waits. If the seller disappears, there's nobody to call.

Creators face a quieter version of the same problem. An event organiser sells tickets through one link, a course through another, and an eBook through a third, then chases payment confirmations in their bank app.

Every sale needed one side to go first. Acctbazaar's job was to make sure neither side had to.

Acctbazaar puts both kinds of seller on one marketplace with escrow in the middle. Buyers pay into Acctbazaar, sellers deliver against a timer, and money is released only when the order is confirmed or the timer runs out. My job was to design the two seller experiences, merchant and creator, so that listing, delivering and getting paid felt safe and predictable.

Discovery

Understanding the problem before defining the solution

The core question: what happens today between "I have something to sell" and "the money is in my account", and where does it go wrong? Discovery ran in four streams: desk research, a review of the products sellers already use, observation of how sellers trade in public marketplaces, and sessions with the Acctbazaar team on goals and support.

Desk research

A market losing its trusted middlemen

Two of the platforms Nigerian traders relied on most disappeared within two years. Binance removed naira from its P2P market in February 2024 and ended all naira services in March. Paxful, long a default for peer-to-peer crypto in Nigeria, shut down on 1 November 2025. Both left traders looking for somewhere new to buy and sell USDT for naira.

Account trading had a trust problem of its own. A 2024 study of social media account marketplaces found 38,253 accounts listed across 11 public marketplaces, worth over $64 million. Only a few offered escrow, and underground markets left buyers and sellers to arrange payment between themselves.

On the creator side, Selar showed the demand: about 150,000 creators made over ₦4 billion selling courses, books and tickets in 2023. Creators were clearly willing to sell digital products online, as long as getting paid was simple.

Sellers didn't need more places to post. They needed a place where the money was held fairly until the job was done.

Competitive review

One seller, five or six tools

A merchant selling across Acctbazaar's categories would otherwise need a different product for each. I reviewed the leading option in each category, plus their reviews, looking for what to copy and what to avoid.

CategoryProducts reviewedWhat worksWhere it breaks
Social media accountsAccsmarket, FameSwap, Telegram and WhatsApp sellersLarge catalogues, filters by platform and ageEscrow rare or off-platform, crypto-only payment, no naira
Gaming accounts and itemsG2G, Eldorado.gg, PlayerAuctionsDelivery timers, seller ratings, dispute windowsBuilt for dollar cards; Nigerian sellers struggle with payouts
Crypto P2PBinance P2P, Paxful, Noones, Bybit P2PEscrowed trades, payment-method filters, timersNaira removed or platform closed; trust reset to zero
Gift cardsCardtonic, PrestmitFast naira payouts, clear ratesSell to the platform only; no marketplace between people
Creator productsSelar, Tix.africaSimple storefronts, naira payments, ticketingSeparate from where buyers of other digital goods already shop

The patterns worth keeping came from gaming and P2P platforms: delivery timers, escrow, dispute windows and ratings. What nobody combined was those protections, naira and dollar payouts, and a catalogue wide enough to bring buyers back.

Seller research

Studying sellers where they already trade

I didn't have direct access to Acctbazaar's customers, so I went to where sellers already do business. I followed public Telegram channels, WhatsApp groups and Instagram pages selling accounts, gift cards, USDT and event tickets, read reviews of competing marketplaces, and filled the gaps with the operations and support team, who spoke to sellers every day. Five questions guided what I looked for:

  1. Where do buyers find sellers, and how does the first message start?
  2. Who pays or delivers first, and what convinces the other side?
  3. What happens when a buyer says something didn't work?
  4. How do sellers get paid in naira, in dollars and in crypto?
  5. What makes a seller trusted enough to get repeat buyers?

What I found

  • Someone always has to go first. Sellers asked for payment upfront; buyers asked for delivery upfront. Threads were full of sales that stalled right there.
  • Disputes had no referee. "The login didn't work" was one person's word against another's, with no record of what was delivered or when.
  • Speed was a selling point. Sellers advertised "instant delivery" and posted screenshots of past sales as proof, because there was no other way to show it.
  • Payout mattered as much as price. Sellers wanted naira for daily spending and USD or USDT to hold value.
  • Creators juggled tools. Event organisers and course creators linked out to separate tools for tickets, courses and eBooks, each with its own payout day.

Stakeholder research

Business goals

  • Grow supply first. Buyers follow listings, so onboarding sellers quickly came before everything else.
  • Keep quality high. A one-time listing fee and admin review keep spam and stolen goods out.
  • Earn on every transaction. Revenue came from listing fees, subscription plans and margins on trades.
  • Reduce manual disputes. Every dispute support resolved by hand cost time and trust.

Support load

What sellers and buyers were contacting support about

RequestRoot causeDesign response
"The buyer says the login doesn't work"Credentials shared in chat with no recordStructured credential fields with 2FA, stored on the order and shown to the buyer only after payment
"When do I get my money?"No clear moment when an order counts as doneManual or auto release chosen per listing, a visible timer, and "Amount in escrow" on the wallet
"Why was my listing rejected?"Admin review with no feedback loopPending, Active, Paused and Rejected states on every ad, with a dedicated rejected view
"I sent crypto to the wrong network"Withdrawal address with no network checkNetwork picker with estimated arrival time and a mismatch warning

Synthesis

From findings to design principles

  • Nobody goes first. Money sits in escrow until delivery is confirmed or the timer ends.
  • Promises are visible. Delivery time is set when listing and counted down on every order.
  • Everything is on the record. Credentials, files, chat and status live on the order, not in DMs.
  • Paid how you want. Naira, USD and crypto in one wallet, with escrow shown separately.
  • One account, many hats. Switch between buying, selling and creating without signing out.
Sources for desk research

Target audience

The people behind the pain points

Two composite personas drawn from the seller research and the support team's experience, one for each seller profile. When a decision was unclear, we asked which of them it would help.

Dayo, 27 · Merchant

Sells aged social accounts, gift cards and USDT from Lagos

Runs three WhatsApp groups and a Telegram channel. Makes 20 to 40 sales a week and handles every one by hand.

Pain points

  • Buyers refuse to pay before seeing the account
  • Chargebacks and "it didn't work" claims with no proof
  • Lost his trading base when Binance dropped naira
  • No way to show buyers he delivers fast

Adaeze, 32 · Creator

Runs business events and sells a design course and templates

Sells tickets for four events a year, a course and a template pack. Each lives on a different tool.

Pain points

  • Three dashboards, three payout schedules
  • Matches bank alerts to ticket buyers by hand
  • Can't see which product actually earns
  • Buyers message her when a download link fails

The design

From sign-up to first payout

Merchants and creators share one account, one wallet and one way of handling orders. What they sell, and how they list it, is different. The design follows both from sign-up to their first payout.

Sign up

One account, three profiles

Sign-up ends with one question: how do you plan to use Acctbazaar? Customer, Merchant or Creator. The choice only sets where you land first. Anyone can switch profiles from the account menu later, so a buyer can start selling without creating a second account.

Sign-up step asking whether you are a customer, merchant or creator
MerchantAccounts · Gift cards · Gaming · Crypto

Merchant onboarding

Sell the platform before asking for a fee

New merchants first see why to sell here: global reach, promotion, support that keeps refunds to 0.5% of sales, and payouts in naira or USD. Then three steps: a one-time $30 fee (₦50,000), a listing, and a plan. The fee is a deliberate filter that keeps spam sellers out, so it's stated plainly and accepted by bank transfer, card or crypto.

Welcome to Acctbazaar Merchant modal with four benefits
One-off $30 payment with bank, card or crypto

Listing

Delivery promises set at the point of listing

Every listing follows four steps: product type, details, credentials and preview. Merchants choose manual release, confirming each order themselves, or auto release, where the system hands over the product after a set time. They also commit to a delivery time, from 5 minutes up, which buyers see as "Delivers in 5 mins" on every order.

Credentials go into structured fields, including the 2FA email and password, so they're stored on the order rather than pasted into chat.

Add account form with platform picker, manual or auto release, and delivery time
Account credentials step with 2FA fields

Crypto P2P

A home for traders who lost theirs

Crypto ads follow the same listing flow, with a payment details step for up to five payment methods and optional trading terms. Orders show token, customer, the naira and crypto amount side by side, payment method and status, so a trader can scan a day's trades in one table.

Crypto ad payment details and trading terms
Crypto orders table with NGN and USDT amounts

Orders

Nobody goes first

Every order shows a countdown, the delivered credentials and the chat with the buyer side by side. The buyer checks the product before the timer ends. If something is wrong, they open a dispute from the same screen. If not, the order completes, money moves out of escrow, and both sides leave a rating.

Each ad keeps its own order history, so a merchant can see exactly who bought what, and when.

Completed order with credentials, timer, chat and review prompt
Ad details with linked order history
CreatorTickets · Courses · eBooks · Templates

Creator's Centre

A storefront for the things creators make

Creators get their own space with the same dashboard as merchants: total earned, products sold, payments and a sales chart. Setup starts with a short profile (photo, display name, bio), then four product types, each with its own upload flow.

Welcome to Acctbazaar Creator's Centre
Add product type: tickets, courses, eBooks, templates

Tickets

An event listing in one form

Tickets follow the same four-step pattern as merchant listings, adapted for events: name, description, location or a virtual toggle, category and banner, then ticket tiers with their own prices and quantities. Each event's detail page shows ticket types next to the buyer list, so organisers stop matching bank alerts to names.

Add ticket form with event category list
Event detail with ticket tiers and buyer list

Digital delivery

The file is the delivery

For courses and eBooks, the file is attached to the order itself. The buyer downloads and checks it before the timer ends, with the chat next to it if anything fails. The same escrow and dispute rules apply, so creators are protected in the same way as merchants.

Course order with file, timer and buyer chat
SharedWallet · Payouts · Verification

Wallet

Escrow you can see

The wallet splits money into total, trading, funding and the amount held in escrow, so sellers always know what's theirs to withdraw. Withdrawals go to a bank account or a crypto address. Crypto withdrawals ask for the network first, show the estimated arrival time, and warn if the address might not match, before the PIN is entered.

Wallet with total, trading, funding and escrow balances
Withdraw modal with crypto network selection and warning

Verification

Trust you can earn

A "Become verified" prompt sits at the bottom of every seller screen. KYC runs in four steps (personal info, address, ID and business documents), and verified sellers get a badge buyers can see. It's optional at sign-up so the first listing isn't blocked, but it's always one click away.

Become verified modal
Start selling modal with three steps

Outcome and reflection

What a marketplace with a referee looks like

Before Acctbazaar, these sales happened in DMs with no escrow, no timer and no record. Putting both seller types on one set of foundations (listing, escrowed orders, chat and wallet) meant each new category was a new form, not a new product.

50k+registered users
125k+products listed
4 monthsto design the merchant and creator sides

Looking back, the creator flows reused the merchant patterns closely, which made them fast to build. Creators think in events and audiences rather than inventory, though, so the next step is creator-specific tools such as attendee check-in, course progress and discount codes. Dispute resolution is the other big opportunity: today it ends in a support conversation, and clearer evidence and outcomes on the order itself would resolve more cases without one.