Two-Sided Marketplace Escrow-Like Flows
Implement proof-of-funds verification for marketplace transactions without building custom custody infrastructure
Summary
Collect buyer funds into buyer's custodial wallet via checkout. Treat transfer.completed + REST verify as the signal to release goods/services. No custom custody or fund movement required on your side.
Problem → Solution mapping
| Pain | Capability | Mechanism |
|---|---|---|
| Need "proof of funds" | Server-led transfer | Create transfer, verify completion |
| Hold until event | App gating | Release after verified completion |
| Compliance | KYC handled | Customer creation with documents |
Architecture
Implementation steps
Webhooks
Validate X-Webhook-Signature (HMAC-SHA256); re-fetch transfer before fulfillment.
UX choices
Use embedded widget for minimal drop-off; hosted link for email flows.
KPIs
% orders with verified funds; release latency.
Limits & caveats
USD→USDC only. This pattern gates delivery based on verified funds, not escrow re-allocation.
Troubleshooting
If webhook missed, poll by transfer IDs queued at order creation.
Campaign / Project Collections & Reconciliation
Create dedicated custodial wallets per campaign or project for fund collection and automated financial reconciliation
Merchant/Partner Settlement in Stablecoins
Provision partner wallets and automate B2B settlements using USD→USDC transfers for faster, cost-effective payments