Transact with ease.
Trade with trust.
Whether it's Instagram, Facebook Marketplace, or any online or conventional trade platform — you can find what you want, but buying it safely is terrifying.
We are the missing trust layer so anyone can trade anywhere with confidence.
3-Shepherd is a DIFC-based fintech platform licensed by the DFSA, reimagining Letters of Credit as a modern digital trust layer. We specialize in secure escrow solutions that work for everyone, not just large corporations. As a regulated platform, we are in a unique position to leverage the most promising digital markets and most effectively serve our clients on a global level.
What We Do
Reimagining Letters of Credit for the Digital Economy
Rebuilding Trust Using Digital Payment Security
We took an age old banking tool and completely rebuilt it for the rest of us. No paperwork, no credit checks, no waiting around for days.
- Secure escrow payments that protect both buyers and sellers
- AI-powered fraud detection to identify suspicious activity
- Real-time logistics tracking through trusted partners
- Automated dispute resolution for peace of mind
What We Do
Modern Trade-Based Solution powered by a Digital Escrow that works like the internet should
Building the trust layer the internet should have had from day one.
The Problem
The Trust Gap in Global Trade
Trust is the Missing Infrastructure in Online Transactions
Whether you're selling your car to someone in another city, or running a small business exporting goods abroad, the challenge is the same: you don't know who to trust. That uncertainty kills transactions, limits growth, and locks out entire groups of people from participating fully in the global economy.
Legacy Trade Instruments Are Outdated and Exclusionary
Legacy solutions like Letters of Credit were designed to solve this — but only for the top of the market. They're expensive, complex, and require institutional backing. If you're not a multinational with a legal team and credit lines, you're simply not invited.
Quantifying the Trust Gap: Lost Value in C2C and SME Trade
In the Consumer-to-Consumer (C2C) space, over $30 billion is lost annually to fraud, scams, and failed peer-to-peer transactions. In the SME and B2B sector, an estimated $500 billion in cross-border trade is left unrealized because traditional instruments are inaccessible, and no one is offering viable alternatives.
This Isn't a Niche Problem — It's a Global Opportunity
The segment with the most to gain from digital global trade is the one least able to access it. This isn't just a product gap. It's a systemic failure — and a missed opportunity for economic inclusion at scale.
SMEs account for
90%
of businesses worldwide
SMEs provide
50%+
of global employment
Yet they remain
Underserved
by traditional financial systems
No one should have to risk everything just to make a deal. And no economy can grow if its largest contributors are locked out of the system.
How It Works
Simple, secure, and seamless transactions
Create a Transaction
Specify terms, amount, and delivery details
Secure Payment
Funds held safely in escrow until conditions are met
Delivery & Verification
Track delivery and verify terms are met
Release Payment
Funds released to seller after buyer confirmation
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We're proud to work with these organizations to build trust in digital commerce
