Escrow Hold and Release Lifecycle

Deposited funds held in a segregated account, released on condition, or exited via dispute or expiry auto-refund

Escrow Hold and Release Lifecycle Deposited funds held in a segregated account, released on condition, or exited via dispute or expiry auto-refund 01 / Escrow states 02 / Dispute branch + Expiry branch 03 / Outcomes Deposited · buyer funds in · Escrow states · posted 01 Deposited buyer funds in posted Held in Escrow · segregated account · Escrow states · liability 02 Held in Escrow segregated account liability Condition Check · approval or event · Escrow states · gate 03 Condition Check approval or event gate Releasing · balanced posting · Escrow states · running 04 Releasing balanced posting running Released · beneficiary paid · Escrow states · terminal 05 Released beneficiary paid terminal Disputed · arbitration hold · Dispute branch · terminal Disputed arbitration hold terminal Expired · auto-refund buyer · Expiry branch · terminal Expired auto-refund buyer terminal Legend active state waiting terminal success failure / exit

Escrow Rail

  • • Held funds live in a segregated liability account
  • • The balance is the sum of journal lines, not a flag
  • • Release discharges the obligation to the beneficiary

Double-Entry Safety

  • • Every transition emits one balanced journal entry
  • • Release is guarded against over-release of the held balance
  • • Postings are idempotent on a caller-supplied key

Exit Branches

  • • Expiry auto-refunds the original funding source
  • • Disputes freeze the check and hand off to arbitration
  • • State guards stop a release racing an expiry sweep

Lifecycle diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • T theme • E export