Underwritten against
systemic loss.
Every transaction held in Arkhive escrow is underwritten by Liberty — a principal South African insurer with a credit profile rated by Moody's. Cover applies the moment funds are received and remains in force until they clear to the recipient's bank.
Cover that follows the Rand, not the calendar.
Custodian Failure
If the escrow agent or banking partner enters business rescue or liquidation, escrow balances are recoverable from the underwriter — not from the failed entity's creditors.
Cyber & Fraud Loss
Unauthorised fund movement triggered by intrusion, account takeover, or social engineering is covered up to the per-transaction policy limit.
Settlement Risk
The window between release authorisation and bank clearance — typically 1–2 business days — is fully insured. No funds in flight are uninsured.
Cancellation Cover
Booking cancellations driven by venue, state, or natural-disaster events are covered up to a defined sub-limit, reducing reliance on litigation.
A path to recovery, not a runaround.
Notify Arkhive
Open a claim through the dashboard or by emailing claims@arkhive.co.za. We acknowledge in writing within 24 hours.
Evidence pack assembled
Arkhive compiles transaction logs, audit trail, and KYC records. No need to gather docs yourself — they're already in the system.
Liberty assessment
Liberty's claims team reviews under the master policy. Standard turnaround for in-scope claims is 14–21 business days from full submission.
Settlement
Approved settlements pay direct to the affected party's bank account. Disputed assessments may be escalated to the Long-term/Short-term Insurance Ombud.
Read the terms in full.
Sub-limits, exclusions, and excess amounts are set in the Arkhive–Liberty master policy. Enterprise customers receive a summary schedule on onboarding; the full document is shared on request.