Escrow Ledger & Financial Settlements

Tumr records every wallet movement in an append-only ledger, so escrow holds and settlements can always be reconciled.

The Escrow Lifecycle

1. Reservation Phase: When an order is dispatched, the fare is held against the funding wallet:
2. ```
3. Wallet Available Balance -= Order Fare (e.g. ₦2,500.00)
4. Wallet Escrow Balance += Order Fare (e.g. ₦2,500.00)
5. ```
6. Settlement Phase (Delivery Verification): Once delivery is confirmed, the escrow is released and the platform commission captured on the rate card at quote time is deducted:
7. ```
8. Wallet Escrow Balance -= ₦2,500.00
9. Rider/Carrier Wallet += Net Fare (fare minus platform commission)
10. Platform Wallet += Platform Commission
11. ```
12. The commission percentage is the one snapshotted on the rate card when the fare was quoted — check your market's rate card for the current figure.
13. Return / Failure Phase: If the delivery cannot be completed, the shipment moves through the exception → return-to-sender flow. On return confirmation the courier receives a partial payout and the remainder of the hold is refunded to the funding wallet's available balance:
14. ```
15. Wallet Escrow Balance -= ₦2,500.00
16. Courier Wallet += Partial RTS payout
17. Funding Wallet Available += Remainder (merchant refund)
18. ```