Payouts

After escrow release, funds are no longer locked and belong to the seller.

Payouts are off-chain financial actions, handled by Airtm.

Offer Hub does not manage or custody funds at this stage.

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Goal

Allow sellers to withdraw their earnings using familiar local payment methods, without exposing stablecoins or blockchain mechanics.

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Actors

• Seller

• OfferHub UI

• OfferHub Backend

• Supabase (profile & Airtm linkage)

• Airtm API

• Local Payment Rails

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Preconditions

• Escrow has been released

• Seller is linked to an Airtm account

• Seller has a positive available balance

• Airtm account is active and compliant

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Payout Flow

1. Seller Balance Is Updated

After escrow release:

Escrow → Seller account

OfferHub:

• observes the release event,

• updates its derived balance view,

• marks funds as withdrawable.

Airtm remains the source of truth for balances.

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2. Seller Initiates Withdrawal

Seller → OfferHub UI: Withdraw Funds

Seller selects:

• payout method (as supported by Airtm)

• destination (bank, wallet, etc.)

• amount

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3. OfferHub Creates Payout via Airtm

OfferHub → Airtm API:
  Create Payout

Airtm handles:

• compliance checks

• execution via local rails

• payout confirmation

OfferHub does not move money itself.

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4. Airtm Confirms Payout

Airtm → OfferHub Webhook:
  Payout completed

OfferHub:

• updates UI status,

• records payout event,

• closes the financial loop for the order.

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Post-Conditions

• Seller receives funds via local rails

• Seller balance is reduced accordingly

• Order remains closed

• Full audit trail is available

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Outputs

• ✅ Seller paid out successfully

• ✅ Payout status recorded

• ✅ Audit log entry created

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Failure Scenarios

Payout Failed

• Airtm returns failure status

• Seller notified

• Retry or alternate method allowed

Insufficient Balance

• Withdrawal blocked

• Seller prompted to adjust amount

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Security & Compliance Notes

• OfferHub never stores bank details

• OfferHub never executes payouts directly

• All payouts are logged and traceable

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Educational Notes

Why Payouts Are Separate from Release

• Release is on-chain enforcement

• Payouts are off-chain money movement

Separating these concerns:

• improves auditability,

• reduces risk,

• mirrors real financial systems.

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Key Takeaway

Escrows decide who gets paid. Payouts decide how they receive the money.

Offer Hub keeps these responsibilities cleanly separated.

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