Solutions / Marketplace & Split Settlement
Marketplace flows create complexity exactly where the user expects simplicity.
Programmable split, governed escrow, and automated reconciliation — for platforms intermediating transactions between multiple parties.
The challenge
Why this is hard today
Fragile split logic
Each new seller, jurisdiction, or split rule adds exponential complexity to custom logic.
Manual reconciliation
Without a unified audit trail, reconciling splits between parties is slow and dispute-prone.
Escrow without governance
Holds and releases depend on manual processes — without verifiable policies or evidence.
The journey
How it works in practice
1. Purchase received & normalized
Buyer payment received via API with seller(s) context, commission, and split rules. Canonical model with unique correlation_id (FR-001 to FR-004).
2. Trust + Policy pre-execution
Identity, limits, and regulatory restrictions verified before settlement. No critical operation proceeds without trust + policy (RN-001).
3. Programmable split executed
Values segregated between sellers, platform, and holds per explicit rules. Split, escrow, and conditional settlement defined by declarable policies (RN-007).
4. Escrow with conditional release
Segregated values await verifiable event: confirmed delivery, approval, or deadline. Partial release per seller and platform fee (FR-035, Journey 7).
5. Per-transaction reconciliation & proof
Each split, hold, and release generates cryptographic proof with correlation between intent, decision, execution, and evidence (RN-004, FR-043 to FR-047).
Comparison
Without Infracash vs. With Infracash
Without Infracash
Custom and fragile split logic per seller
Manual escrow without verifiable policies
Manual reconciliation between multiple parties
2.1% of revenue lost to errors and disputes
With Infracash
Split as native primitive with programmatic rules
Escrow with conditional release based on events
Automated reconciliation with audit trail
Each operation generates immutable record with evidence
Capabilities
What Infracash delivers
Programmable split
Division rules per transaction, seller, and jurisdiction — percentages, fixed values, and cascades.
Governed escrow
Holds and releases controlled by verifiable policies — not manual processes.
Automated reconciliation
Each split, hold, and release generates an immutable record with decision context and evidence.
Per-settlement compliance
Identity verification, limits, and regulatory restrictions before each settlement.
Differentials
Why Infracash
Split as primitive
Instead of building division logic on a generic system, split settlement is a native primitive — with integrated rules, escrow, and reconciliation.
Escrow with policies
Holds and releases are controlled by verifiable policies — not by manual processes that depend on individual operators.
Scalability without complexity
Adding new sellers, jurisdictions, or split rules does not require rewriting settlement logic.
Applications
Who already benefits
Service marketplaces
Split payments between providers, collect commissions, and hold values until completion.
Multi-vendor e-commerce
Multiple sellers in different jurisdictions with automated compliance per region.
Investment platforms
Distribute returns among investors with complex split rules and auditable evidence.
Ecosystem operators
Coordinate financial flows between partners, suppliers, and customers with governance.
For whom
Marketplaces, e-commerce platforms, and ecosystem operators that need to coordinate financial flows between multiple parties with control, evidence, and compliance.