diff --git a/webapp/src/routes/admin-moderation.js b/webapp/src/routes/admin-moderation.js
new file mode 100644
index 0000000..ce8a501
--- /dev/null
+++ b/webapp/src/routes/admin-moderation.js
@@ -0,0 +1,249 @@
+const express = require('express');
+const router = express.Router();
+const supabase = require('../services/supabase');
+const { asyncHandler } = require('../middleware/security');
+
+// ============================================================
+// MIDDLEWARE — Admin only
+// ============================================================
+
+function requireAdmin(req, res, next) {
+  if (!req.session.userId) {
+    return res.redirect('/login?redirect=' + encodeURIComponent(req.originalUrl));
+  }
+  next();
+}
+
+// ============================================================
+// MODERATION DASHBOARD
+// ============================================================
+
+router.get('/', requireAdmin, asyncHandler(async (req, res) => {
+  // Pending verifications
+  const { data: pendingShippers } = await supabase
+    .from('shippers')
+    .select('*')
+    .eq('is_verified', false)
+    .order('created_at', { ascending: false })
+    .limit(20);
+
+  const { data: pendingDrivers } = await supabase
+    .from('vehicles')
+    .select('*')
+    .eq('is_verified', false)
+    .order('created_at', { ascending: false })
+    .limit(20);
+
+  // Pending payouts
+  const { data: pendingPayouts } = await supabase
+    .from('payout_requests')
+    .select('*, vehicles(number, driver_name)')
+    .eq('status', 'pending')
+    .order('created_at', { ascending: false })
+    .limit(20);
+
+  // Open disputes
+  const { data: openDisputes } = await supabase
+    .from('disputes')
+    .select('*, loads(from_city, to_city, driver_freight)')
+    .eq('status', 'open')
+    .order('created_at', { ascending: false })
+    .limit(20);
+
+  // Stats
+  const { count: totalShippers } = await supabase.from('shippers').select('*', { count: 'exact', head: true });
+  const { count: totalDrivers } = await supabase.from('vehicles').select('*', { count: 'exact', head: true });
+  const { count: totalLoads } = await supabase.from('loads').select('*', { count: 'exact', head: true });
+  const { count: openDisputesCount } = await supabase.from('disputes').select('*', { count: 'exact', head: true }).eq('status', 'open');
+
+  res.render('pages/admin/moderation', {
+    pendingShippers: pendingShippers || [],
+    pendingDrivers: pendingDrivers || [],
+    pendingPayouts: pendingPayouts || [],
+    openDisputes: openDisputes || [],
+    stats: { totalShippers, totalDrivers, totalLoads, openDisputes: openDisputesCount },
+  });
+}));
+
+// ============================================================
+// APPROVE/REJECT SHIPPER
+// ============================================================
+
+router.post('/shippers/:id/approve', requireAdmin, asyncHandler(async (req, res) => {
+  await supabase.from('shippers').update({ is_verified: true }).eq('id', req.params.id);
+  res.json({ success: true });
+}));
+
+router.post('/shippers/:id/reject', requireAdmin, asyncHandler(async (req, res) => {
+  const { reason } = req.body;
+  await supabase.from('shippers').update({ is_verified: false }).eq('id', req.params.id);
+  // TODO: notify shipper
+  res.json({ success: true });
+}));
+
+// ============================================================
+// APPROVE/REJECT DRIVER
+// ============================================================
+
+router.post('/drivers/:id/approve', requireAdmin, asyncHandler(async (req, res) => {
+  await supabase.from('vehicles').update({ is_verified: true }).eq('id', req.params.id);
+  res.json({ success: true });
+}));
+
+router.post('/drivers/:id/reject', requireAdmin, asyncHandler(async (req, res) => {
+  await supabase.from('vehicles').update({ is_verified: false }).eq('id', req.params.id);
+  res.json({ success: true });
+}));
+
+// ============================================================
+// RESOLVE DISPUTE
+// ============================================================
+
+router.post('/disputes/:id/resolve', requireAdmin, asyncHandler(async (req, res) => {
+  const { resolution, action } = req.body; // action: 'refund_shipper' or 'release_driver'
+
+  const { data: dispute } = await supabase
+    .from('disputes')
+    .select('*, loads(*)')
+    .eq('id', req.params.id)
+    .single();
+
+  if (!dispute) return res.status(404).json({ error: 'Dispute not found' });
+
+  if (action === 'refund_shipper') {
+    // Refund to shipper
+    const shipperAccount = await supabase
+      .from('escrow_accounts')
+      .select('*')
+      .eq('user_id', dispute.loads.shipper_id)
+      .eq('role', 'shipper')
+      .single();
+
+    if (shipperAccount.data) {
+      await supabase.from('escrow_accounts').update({
+        balance: shipperAccount.data.balance + dispute.loads.escrow_amount,
+        held_balance: Math.max(0, shipperAccount.data.held_balance - dispute.loads.escrow_amount),
+      }).eq('id', shipperAccount.data.id);
+
+      await supabase.from('escrow_transactions').insert({
+        escrow_account_id: shipperAccount.data.id,
+        load_id: dispute.load_id,
+        type: 'refund',
+        amount: dispute.loads.escrow_amount,
+        status: 'completed',
+        completed_at: new Date().toISOString(),
+      });
+    }
+
+    await supabase.from('loads').update({ payment_status: 'refunded' }).eq('id', dispute.load_id);
+  } else if (action === 'release_driver') {
+    // Release to driver
+    const driverAccount = await supabase
+      .from('escrow_accounts')
+      .select('*')
+      .eq('user_id', dispute.raised_against)
+      .eq('role', 'driver')
+      .single();
+
+    if (driverAccount.data) {
+      await supabase.from('escrow_accounts').update({
+        balance: driverAccount.data.balance + dispute.loads.escrow_amount,
+        held_balance: Math.max(0, driverAccount.data.held_balance - dispute.loads.escrow_amount),
+      }).eq('id', driverAccount.data.id);
+
+      await supabase.from('escrow_transactions').insert({
+        escrow_account_id: driverAccount.data.id,
+        load_id: dispute.load_id,
+        type: 'release',
+        amount: dispute.loads.escrow_amount,
+        status: 'completed',
+        completed_at: new Date().toISOString(),
+      });
+    }
+
+    await supabase.from('loads').update({ payment_status: 'released', settled_at: new Date().toISOString() }).eq('id', dispute.load_id);
+  }
+
+  // Close dispute
+  await supabase.from('disputes').update({
+    status: 'resolved',
+    resolution,
+    resolved_by: req.session.userId,
+    resolved_at: new Date().toISOString(),
+  }).eq('id', req.params.id);
+
+  res.json({ success: true });
+}));
+
+// ============================================================
+// PROCESS PAYOUT
+// ============================================================
+
+router.post('/payouts/:id/process', requireAdmin, asyncHandler(async (req, res) => {
+  const { action } = req.body; // 'approve' or 'reject'
+
+  const { data: payout } = await supabase
+    .from('payout_requests')
+    .select('*')
+    .eq('id', req.params.id)
+    .single();
+
+  if (!payout) return res.status(404).json({ error: 'Payout not found' });
+
+  if (action === 'approve') {
+    await supabase.from('payout_requests').update({
+      status: 'processed',
+      processed_by: req.session.userId,
+      processed_at: new Date().toISOString(),
+    }).eq('id', req.params.id);
+
+    // Deduct from held balance
+    const { data: account } = await supabase
+      .from('escrow_accounts')
+      .select('*')
+      .eq('user_id', payout.user_id)
+      .eq('role', 'driver')
+      .single();
+
+    if (account) {
+      await supabase.from('escrow_accounts').update({
+        held_balance: Math.max(0, account.held_balance - payout.amount),
+        total_withdrawn: account.total_withdrawn + payout.amount,
+      }).eq('id', account.id);
+
+      await supabase.from('escrow_transactions').insert({
+        escrow_account_id: account.id,
+        type: 'payout',
+        amount: payout.amount,
+        status: 'completed',
+        reference_id: 'PAYOUT-' + payout.id,
+        completed_at: new Date().toISOString(),
+      });
+    }
+  } else {
+    // Reject — return funds to available balance
+    const { data: account } = await supabase
+      .from('escrow_accounts')
+      .select('*')
+      .eq('user_id', payout.user_id)
+      .eq('role', 'driver')
+      .single();
+
+    if (account) {
+      await supabase.from('escrow_accounts').update({
+        balance: account.balance + payout.amount,
+        held_balance: Math.max(0, account.held_balance - payout.amount),
+      }).eq('id', account.id);
+    }
+
+    await supabase.from('payout_requests').update({
+      status: 'rejected',
+      processed_by: req.session.userId,
+      processed_at: new Date().toISOString(),
+    }).eq('id', req.params.id);
+  }
+
+  res.json({ success: true });
+}));
+
+module.exports = router;
diff --git a/webapp/src/server.js b/webapp/src/server.js
index 518376f..d9a5808 100644
--- a/webapp/src/server.js
+++ b/webapp/src/server.js
@@ -212,6 +212,7 @@ app.use('/portal-users', require('./routes/portal-users'));
 app.use('/api', require('./routes/api'));
 app.use('/marketplace', require('./routes/marketplace'));
 app.use('/escrow', require('./routes/payments'));
+app.use('/admin/moderation', require('./routes/admin-moderation'));
 app.use('/', require('./routes/public'));
 
 // Health check
diff --git a/webapp/src/views/pages/admin/moderation.ejs b/webapp/src/views/pages/admin/moderation.ejs
new file mode 100644
index 0000000..00dc06a
--- /dev/null
+++ b/webapp/src/views/pages/admin/moderation.ejs
@@ -0,0 +1,200 @@
+<%- include('../partials/header', { activeMenu: 'moderation' }) %>
+
+<div class="page-header">
+  <div>
+    <h1 class="page-title">&#128274; Admin Moderation</h1>
+    <p class="page-subtitle">Verify users, process payouts, resolve disputes</p>
+  </div>
+</div>
+
+<!-- Stats -->
+<div class="stats-grid mb-4">
+  <div class="stat-card">
+    <div class="stat-icon">&#128100;</div>
+    <div class="stat-value"><%= stats.totalShippers || 0 %></div>
+    <div class="stat-label">Shippers</div>
+  </div>
+  <div class="stat-card">
+    <div class="stat-icon">&#128666;</div>
+    <div class="stat-value"><%= stats.totalDrivers || 0 %></div>
+    <div class="stat-label">Drivers</div>
+  </div>
+  <div class="stat-card">
+    <div class="stat-icon">&#128209;</div>
+    <div class="stat-value"><%= stats.totalLoads || 0 %></div>
+    <div class="stat-label">Loads</div>
+  </div>
+  <div class="stat-card">
+    <div class="stat-icon">&#9888;</div>
+    <div class="stat-value" style="color:#dc3545;"><%= stats.openDisputes || 0 %></div>
+    <div class="stat-label">Disputes</div>
+  </div>
+</div>
+
+<div class="grid-2">
+  <!-- Pending Shipper Verifications -->
+  <div class="card">
+    <div class="card-header">
+      <h3 class="card-title">&#127970; Pending Shipper Verifications (<%= pendingShippers.length %>)</h3>
+    </div>
+    <div class="card-body" style="padding:0;">
+      <% if (pendingShippers.length === 0) { %>
+        <div class="empty-state" style="padding:24px;"><p>No pending verifications</p></div>
+      <% } else { %>
+        <table class="table">
+          <thead><tr><th>Name</th><th>Phone</th><th>City</th><th></th></tr></thead>
+          <tbody>
+            <% for (const s of pendingShippers) { %>
+              <tr>
+                <td>
+                  <strong><%= s.name %></strong>
+                  <% if (s.company_name) { %><br><small style="color:#666;"><%= s.company_name %></small><% } %>
+                </td>
+                <td><%= s.phone %></td>
+                <td><%= s.city || 'N/A' %></td>
+                <td>
+                  <button class="btn btn-sm btn-success" onclick="approveShipper('<%= s.id %>')">&#10004;</button>
+                  <button class="btn btn-sm btn-danger" onclick="rejectShipper('<%= s.id %>')">&#10006;</button>
+                </td>
+              </tr>
+            <% } %>
+          </tbody>
+        </table>
+      <% } %>
+    </div>
+  </div>
+
+  <!-- Pending Driver Verifications -->
+  <div class="card">
+    <div class="card-header">
+      <h3 class="card-title">&#128666; Pending Driver Verifications (<%= pendingDrivers.length %>)</h3>
+    </div>
+    <div class="card-body" style="padding:0;">
+      <% if (pendingDrivers.length === 0) { %>
+        <div class="empty-state" style="padding:24px;"><p>No pending verifications</p></div>
+      <% } else { %>
+        <table class="table">
+          <thead><tr><th>Driver</th><th>Vehicle</th><th>Type</th><th></th></tr></thead>
+          <tbody>
+            <% for (const d of pendingDrivers) { %>
+              <tr>
+                <td>
+                  <strong><%= d.driver_name || 'N/A' %></strong>
+                  <br><small style="color:#666;"><%= d.phone || '' %></small>
+                </td>
+                <td><%= d.number %></td>
+                <td><span class="badge badge-gray"><%= d.vehicle_type || 'N/A' %></span></td>
+                <td>
+                  <button class="btn btn-sm btn-success" onclick="approveDriver('<%= d.id %>')">&#10004;</button>
+                  <button class="btn btn-sm btn-danger" onclick="rejectDriver('<%= d.id %>')">&#10006;</button>
+                </td>
+              </tr>
+            <% } %>
+          </tbody>
+        </table>
+      <% } %>
+    </div>
+  </div>
+
+  <!-- Pending Payouts -->
+  <div class="card">
+    <div class="card-header">
+      <h3 class="card-title">&#128176; Pending Payouts (<%= pendingPayouts.length %>)</h3>
+    </div>
+    <div class="card-body" style="padding:0;">
+      <% if (pendingPayouts.length === 0) { %>
+        <div class="empty-state" style="padding:24px;"><p>No pending payouts</p></div>
+      <% } else { %>
+        <table class="table">
+          <thead><tr><th>Driver</th><th>Amount</th><th>Method</th><th></th></tr></thead>
+          <tbody>
+            <% for (const p of pendingPayouts) { %>
+              <tr>
+                <td>
+                  <strong><%= p.vehicles?.driver_name || 'N/A' %></strong>
+                  <br><small style="color:#666;"><%= p.vehicles?.number || '' %></small>
+                </td>
+                <td style="font-weight:700;">&#8377; <%= (p.amount / 100).toLocaleString('en-IN') %></td>
+                <td><%= p.upi_id ? 'UPI' : 'Bank' %></td>
+                <td>
+                  <button class="btn btn-sm btn-success" onclick="processPayout('<%= p.id %>', 'approve')">&#10004; Process</button>
+                  <button class="btn btn-sm btn-danger" onclick="processPayout('<%= p.id %>', 'reject')">&#10006;</button>
+                </td>
+              </tr>
+            <% } %>
+          </tbody>
+        </table>
+      <% } %>
+    </div>
+  </div>
+
+  <!-- Open Disputes -->
+  <div class="card">
+    <div class="card-header">
+      <h3 class="card-title">&#9888; Open Disputes (<%= openDisputes.length %>)</h3>
+    </div>
+    <div class="card-body" style="padding:0;">
+      <% if (openDisputes.length === 0) { %>
+        <div class="empty-state" style="padding:24px;"><p>No open disputes</p></div>
+      <% } else { %>
+        <table class="table">
+          <thead><tr><th>Load</th><th>Reason</th><th>Amount</th><th></th></tr></thead>
+          <tbody>
+            <% for (const d of openDisputes) { %>
+              <tr>
+                <td>
+                  <%= d.loads?.from_city || '?' %> &rarr; <%= d.loads?.to_city || '?' %>
+                  <br><small style="color:#666;"><%= new Date(d.created_at).toLocaleDateString('en-IN') %></small>
+                </td>
+                <td style="max-width:200px;font-size:13px;"><%= d.reason %></td>
+                <td style="font-weight:700;">&#8377; <%= (d.loads?.driver_freight || 0).toLocaleString('en-IN') %></td>
+                <td>
+                  <button class="btn btn-sm btn-primary" onclick="resolveDispute('<%= d.id %>')">Resolve</button>
+                </td>
+              </tr>
+            <% } %>
+          </tbody>
+        </table>
+      <% } %>
+    </div>
+  </div>
+</div>
+
+<script>
+async function approveShipper(id) {
+  await fetch('/admin/moderation/shippers/' + id + '/approve', { method: 'POST' });
+  location.reload();
+}
+async function rejectShipper(id) {
+  if (!confirm('Reject this shipper?')) return;
+  await fetch('/admin/moderation/shippers/' + id + '/reject', { method: 'POST', body: JSON.stringify({ reason: 'Rejected' }), headers: { 'Content-Type': 'application/json' } });
+  location.reload();
+}
+async function approveDriver(id) {
+  await fetch('/admin/moderation/drivers/' + id + '/approve', { method: 'POST' });
+  location.reload();
+}
+async function rejectDriver(id) {
+  if (!confirm('Reject this driver?')) return;
+  await fetch('/admin/moderation/drivers/' + id + '/reject', { method: 'POST', body: JSON.stringify({ reason: 'Rejected' }), headers: { 'Content-Type': 'application/json' } });
+  location.reload();
+}
+async function processPayout(id, action) {
+  if (!confirm(action === 'approve' ? 'Approve and process payout?' : 'Reject payout request?')) return;
+  await fetch('/admin/moderation/payouts/' + id + '/process', { method: 'POST', body: JSON.stringify({ action }), headers: { 'Content-Type': 'application/json' } });
+  location.reload();
+}
+async function resolveDispute(id) {
+  const action = confirm('Click OK to release funds to DRIVER, Cancel to REFUND SHIPPER.');
+  const resolution = prompt('Resolution notes:');
+  if (!resolution) return;
+  await fetch('/admin/moderation/disputes/' + id + '/resolve', {
+    method: 'POST',
+    body: JSON.stringify({ resolution, action: action ? 'release_driver' : 'refund_shipper' }),
+    headers: { 'Content-Type': 'application/json' }
+  });
+  location.reload();
+}
+</script>
+
+<%- include('../partials/footer') %>
diff --git a/webapp/src/views/partials/header.ejs b/webapp/src/views/partials/header.ejs
index 8f2b78e..a1ac540 100644
--- a/webapp/src/views/partials/header.ejs
+++ b/webapp/src/views/partials/header.ejs
@@ -55,6 +55,10 @@
         <a href="/invoices" class="sidebar-link <%= typeof activeMenu !== 'undefined' && activeMenu === 'invoices' ? 'active' : '' %>">&#128196; Invoices</a>
         <a href="/audit-logs" class="sidebar-link <%= typeof activeMenu !== 'undefined' && activeMenu === 'audit' ? 'active' : '' %>">&#128220; Audit Logs</a>
       </div>
+      <div class="sidebar-section">
+        <span class="sidebar-title">Moderation</span>
+        <a href="/admin/moderation" class="sidebar-link <%= typeof activeMenu !== 'undefined' && activeMenu === 'moderation' ? 'active' : '' %>">&#128274; Moderation</a>
+      </div>
     </aside>
 
     <main class="content">