Can you make proper explanation about your idea, sorry but i cant understant at all what are you talking about. My wild guess is you want to make a system where buyer send the money to the seller without risk, and still receive what he buys ? please explain more.
AliExpress operates a prepayment system, the seller receives money for the goods, only after the receipt of the goods is confirmed by the buyer. Until then, money is blocked on the account of the guarantor-bank of the trading platform.
When funds are blocked, AliExpress can earn a short investment. A seller with this is not a chigo will not get.
This is a lot where used in banks, poker, betting on sports and so on.
The idea is to create a system in which the additional owner will receive the capital. And if the funds are blocked, they will receive
the future owner of this capital. Togg will be possible marketing plan from income.