Submission by CheungSK

Selling a $400 phone to a stranger on Facebook Marketplace. Hiring a freelancer who delivers the work then waits weeks for an invoice that never lands. Vouch is voice-recorded payment protection - Vera, the AI mediator, captures the deal in both parties' voices, and Stripe holds the buyer's money safely until the item arrives. Buyer voice-confirms receipt; money moves to the seller automatically. No chasing, no "still good for it?" three weeks later - receive your money, on time. When something goes wrong, Vera doesn't arbitrate from text trails. She replays the seller's actual recorded commitment - "Marcus said: no scratches, original box." - and the system resolves from voice evidence. He cannot un-say it. Live at vouch.fund with a Chrome extension that injects "Pay with Vouch" next to "Buy It Now" on any eBay listing. Built solo on six ElevenLabs APIs (ConvAI as Vera, v3 Conversational for expressive audio-tag delivery, Multilingual TTS for cross-border deals where UK buyer + Polish seller transact in a real-time letter-by-letter language morph, Scribe v2 Realtime as the binding terms record, Voice Library for Vera's locked brand identity, Sound Generation for every demo SFX) and seven Stripe primitives (Connect Express custodial holding, PaymentIntents manual-capture as the hold mechanic, Application Fees retained at 2.9% with zero markup, Issuing - minting a frozen virtual card FOR the seller, flipping the agentic-commerce thesis - Issuing realtime authorization gatekeeping that card's spend, signature-verified Webhooks, and Agent Toolkit scoped through a restricted key). Reputation accumulates across deals via Stripe Connect account ID. Vouch. Every deal, kept.