On-chain escrow and open credit data for humans and agents

Every escrow transaction writes open credit data on-chain — permissionless, portable, and readable by any protocol. Build your own scoring model or use ours.

Try Agent Service Try Human Escrow

payment.ts

import { escrowFetch } from "xenga";
const { payment } = await escrowFetch(
  "https://merchant.xyz/api/order/981/pay",
  { method: "POST", body: JSON.stringify(order) },
  { walletClient }
);
// payment.escrowId + payment.txHash

Buyer Gas Cost

Credit Data

Open

Escrow Visibility

Realtime

Authorization

EIP-712

Asset

USDC

From Payment to Credit Data

1RequestClient sends HTTP request

402402Server returns Payment Required

3SignClient signs EIP-712 authorization

4RetryClient retries with PAYMENT-SIGNATURE

5EscrowFunds locked in smart contract

6DeliverSeller confirms delivery

7ReleaseFunds released to seller

★Credit DataOpen on-chain credit stats updated

1RequestClient sends HTTP request

402402Server returns Payment Required

3SignClient signs EIP-712 authorization

4RetryClient retries with PAYMENT-SIGNATURE

5EscrowFunds locked in smart contract

6DeliverSeller confirms delivery

7ReleaseFunds released to seller

★Credit DataOpen on-chain credit stats updated

1RequestClient sends HTTP request

402402Server returns Payment Required

3SignClient signs EIP-712 authorization

4RetryClient retries with PAYMENT-SIGNATURE

5EscrowFunds locked in smart contract

6DeliverSeller confirms delivery

7ReleaseFunds released to seller

★Credit DataOpen on-chain credit stats updated

Sequence: payment negotiation, typed-data signature, and escrow settlement all visible in the protocol inspector.

Choose Your Demo Path

Test interactive and autonomous escrow flows with real protocol events on Base Sepolia.

Autonomous

Agent Demo

Autonomous agent payments with on-chain escrow and open credit data. x402 compatible — no SDK needed.

Autonomous escrow settlement

Open on-chain credit data

x402 compatible — no SDK needed

Start Demo

Human-in-the-loop

Human Escrow Demo

Buyer-driven escrow checkout with delivery confirmation, disputes, and on-chain credit data.

Manual release/dispute

Step-by-step protocol view

Open on-chain credit data

Start Demo

Open Credit Data

Every escrow outcome is recorded on-chain as raw stats — permissionless and portable. Any protocol can read the data and compute scores their own way.

Raw On-Chain Data

// Stats struct per address

totalEscrows

completedCount

completedAmount

disputedCount

disputedAmount

resolvedCount

refundedCount

refundedAmount

totalAmount

Stored per address in EscrowVault. Readable by anyone — getSellerStats(addr) / getBuyerStats(addr).

Example: Marketplace Scoring

// weight completion + disputes

completionRate =

completed / totalEscrows

disputeRate =

disputed / totalEscrows

score =

completionRate * 0.6

+ (1 - disputeRate) * 0.4

Weight completion and dispute history for buyer-seller trust. One possible interpretation.

Example: Lending Protocol

// weight volume + repayment

repaymentRate =

completedAmount / totalAmount

volumeFactor =

log10(totalAmount + 1) / 6

score =

repaymentRate * 0.7

+ volumeFactor * 0.3

Same on-chain data, different formula. Lenders can weight volume and repayment differently.

Add escrow payments in minutes

Two SDK calls — client and server. The rest is handled on-chain.

TypeScript

// Automatic escrow payment flow
const { payment } = await escrowFetch(
  "https://api.example.com/order/123/pay",
  { method: "POST" },
  { walletClient }
);
// payment.txHash — on-chain escrow
// payment.escrowId — escrow ID

Built to Fit Your Stack

Drop-in escrow infrastructure for any framework. Use built-in service types or define your own.

Marketplaces & Freelance

Buyer-seller escrow with configurable release windows

Delivery confirmation + built-in dispute resolution

On-chain credit data shortens windows for trusted pairs

7-day default. High-trust pairs settle in 3 days.

Agent & API Commerce

Auto-verified delivery for machine-to-machine payments

On-chain stats enable reputation gating

1-hour auto-release. Quality checks trigger disputes automatically.

Custom Use Cases

Define your own release windows and verification logic

Plug custom delivery checks into the escrow lifecycle

Read raw on-chain stats — build your own scoring for lending, gating, or pricing

SaaS billing, lending protocols, insurance — any system that needs trust.

TypeScript

// Next.js Route Handler — same core, different framework
export async function POST(request: Request,
  { params }: { params: Promise<{ id: string }> }
) {
  const { id } = await params;
  const result = await handleEscrowPayment(
    request, { id }, deps
  );
  return toNextResponse(result);
}