Escrow infrastructure money can sit on.

The Challenge

A marketplace startup needed escrow: buyers fund a transaction, sellers deliver, money settles — with every edge case (disputes, timeouts, partial failures) handled safely across two payment providers.

What We Built

• —Designed a claim-then-act settlement core: every state transition is claimed atomically in Postgres before money moves, so double-settlement is structurally impossible.
• —Four scheduled reconciliation jobs sweep for stuck escrows, expired claims, and provider mismatches — and heal them.
• —Integrated dual rails (Stripe Connect and a local provider) behind one interface, with runtime-proven settlement paths before launch.