Atomic Clearing & Escrows

How fiat clearing and on-chain settlement happen as a single event.

Atomic clearing

Every payment and debit pull settles through the same mechanism: the moment fiat clears into OpenFi’s settlement account, it triggers stablecoin minting/routing on-chain in the same atomic operation. There’s no pre-funded liquidity pool on either side and no window where funds exist in two places at once.

This is why POST /v1/payments and POST /v1/debit-pulls both return a settlement object (chain, tx_hash) rather than exposing atomic clearing as a separate endpoint you call. It’s a property of how every settlement executes, not a distinct action.

"settlement": {
  "chain": "aptos",
  "tx_hash": "0x71ffa..."
}

Programmatic escrow (V2 roadmap)

Escrow is not yet live in the API. It’s part of the V2 scope (alongside the ZK-TLS Data Oracle) and will be funded from general engineering budget rather than grant funding, targeting Stellar first given Soroban’s composability model.

Once available, escrow will let cleared funds be locked against programmatic conditions (a milestone attestation, a delivery confirmation, a payroll deadline) before release to the destination, with automatic rollback if conditions aren’t met in time. See the Agentic Commerce use case for the intended flow.