> For the complete documentation index, see [llms.txt](https://docs.ovialabs.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ovialabs.xyz/ovia-labs/ovia-protocol/the-problem.md).

# The Problem

## The Problem

Every day, people transact online with individuals they have never met.

Examples include:

* Freelance work
* OTC crypto trading
* Digital products
* Consulting services
* Peer-to-peer commerce

These transactions often depend on trust, reputation, or centralized platforms.

When disputes arise, both parties become dependent on intermediaries.

Ovia Protocol aims to reduce this dependency through programmable escrow infrastructure.


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