How escrow & the ledger work

FiduWork holds funds in escrow until work is approved — escrow first, then work. One contract is one payment in Phase 1 (no milestones).

Append-only ledger

Money movements are recorded as append-only double-entry ledger rows (ESCROW, PAYABLE, FEE_REVENUE, CLEARING) — balances are never mutated in place.

State machine

WAITING_FOR_FUNDING → FUNDED → SUBMITTED → APPROVED → PAID (or DISPUTED / refunded).