Let us show you how your contracts could be made more reliable. Generally, this goal is achieved via trust minimization.
Since 2017, unsecured loans of dollars have required large amounts of coin to be used as collateral with escrow agents, requiring trust in the escrow agent. We’re working towards a variety of smart contracts that secure collateral on the blockchain (or a sidechain), based on receipt of triggering signatures from a reliable BTCUSD price oracle.
Smart contracts have typically been hyped along with computation inside the contract, but the more scalable model inverts this and allows a wide variety of interesting contracts based on receipt of a triggering signature from an oracle.
Although smart contracts allow multiparty signatures and forward time locks, among other tools, there is as of yet no comprehensive theory of what is necessary to secure value.
It is possible to build actuarial tables of risks that may occur, based on known adversaries, to optimize for security over hassle.
Whether you are dealing with escrow or custody issues, you will gain peace of mind for knowing how well your contract design holds up in an adversarial setting.