too troublesome and confusing.

Why not like that?

Create a LYN status page in page u get a reference code after bank in to a LYN acc so called someone will update the system payment received.

2nd Check the status page when payment confirmed the other guy have to delivery the item

3rd When the guy received the product he have to update he received

4th then the payment the LYN acc will transfer money to the seller account.

So if any fraud in between lyn admin or member can investigate .