How CHNCLR Works

Instead of trusting a company to hold your money, CHNCLR uses cryptographic guarantees to ensure funds can only be released when agreed-upon conditions are met. You maintain control of your assets while gaining the security of traditional escrow.

"The Times 03/Jan/2009 Chancellor on brink of second bailout for banks"

Built on Bitcoin's Foundation

Bitcoin Security

Built on the most secure and decentralized network

2-of-3 Multisig

Like a safe deposit box requiring two keys to open

Nostr Protocol

Decentralized communication with NIP-04 encryption

PSBT Coordination

Partially Signed Bitcoin Transactions for secure signing

From Disagreement to Settlement in 5 Steps

1

Create Agreement

Parties Define Terms

Alice and Bob agree on dispute terms and select Tom as arbitrator. Each party provides their Bitcoin public key and Nostr public key for coordination.

2

Generate Escrow Address

Multisig Creation

CHNCLR generates a 2-of-3 P2WSH multisig address using all three parties' Bitcoin public keys. Funds are deposited to this trustless escrow - like a safe deposit box requiring two keys to open.

3

Coordinate Signatures

PSBT Coordination

When resolution is needed, CHNCLR creates a Partially Signed Bitcoin Transaction (PSBT) and shares it securely via encrypted Nostr messages. No private keys are ever shared.

4

Sign & Verify

Hardware Wallet Signing

Parties sign the PSBT using their hardware wallets via QR codes or WebUSB. Your keys never leave your device - you maintain full control.

5

Settlement

Bitcoin Finality

Once 2-of-3 signatures are collected, the transaction is broadcast to Bitcoin. Settlement is final, irreversible, and requires no trusted third parties.

Built with Proven Bitcoin Standards

PSBT (BIP174)

Partially Signed Bitcoin Transactions enable secure, coordinated signing across multiple parties without sharing private keys.

P2WSH Multisig

Pay-to-Witness-Script-Hash provides efficient, secure multisig with reduced transaction fees and enhanced privacy.

Nostr Protocol

Decentralized communication protocol with NIP-04 encryption ensures private, censorship-resistant coordination.

OP_CHECKSEQUENCEVERIFY

Automatic timeout refunds protect against unresponsive parties through Bitcoin's native timelock functionality.

Maximum Security, Zero Trust Required

Non-Custodial Design

  • No private keys stored anywhere
  • No custodial funds held by CHNCLR
  • Users maintain full control at all times

Hardware Wallet Integration

  • QR code signing for air-gapped security
  • WebUSB support for seamless UX
  • Compatible with Coldcard, Trezor, Ledger

Transparent Operations

  • All script policies visible before signing
  • Complete input/output transparency
  • Signature status tracking throughout process

Automatic Protections

  • Timeout refunds via CHECKSEQUENCEVERIFY
  • Protection against unresponsive arbitrators
  • No funds can be permanently locked

The End of Trusted Third Parties

Traditional Escrow Problems:

  • ×Custodial risk - they hold your funds
  • ×Identity requirements - KYC/AML barriers
  • ×Geographic restrictions - limited access
  • ×Banking delays - slow settlement times
  • ×Counterparty risk - platform dependency

CHNCLR Advantages:

  • Zero custody risk - you control your keys
  • Pseudonymous - no identity requirements
  • Global access - works anywhere Bitcoin works
  • Instant settlement - Bitcoin finality
  • Platform independence - built on open standards

Ready to Build Trustless Agreements?

Transform your next disagreement into a settleable dispute with skin in the game.