Embed programmable escrow into your fintech stack
Programmatic escrow for fintechs — co-lending, P2P, gaming, and insurance payouts via REST API.
What API Escrow gives you
Purpose-built building blocks that map to how this flow works in the real world.
REST-first
Clean resources, idempotency keys, and predictable errors.
Full sandbox
Simulated bank funding with complete state-machine parity.
HMAC security
Signed requests and webhooks with replay and nonce protection.
Versioned & rated
Stable versioned endpoints with transparent rate limits.
A clear path from intent to settlement
Every step is observable, signed, and reversible only by the rules you define.
- 1
Authenticate
Provision API keys and sign requests with HMAC-SHA256.
- 2
Create escrow
POST /v1/escrows with parties, amount, and conditions.
- 3
Listen
Subscribe to signed webhooks for every state transition.
- 4
Release
Trigger single or split settlement programmatically.
Why teams choose this
- Embed conditional hold-and-release into any product
- Power co-lending, P2P, gaming, and insurance payouts
- Launch without becoming a regulated escrow entity yourself
- Scale with predictable, versioned, rate-limited APIs
Out of the box
- REST API with sandbox environment
- HMAC-signed webhooks
- SEBI-trustee partner integration
- Rate-limited, versioned endpoints
Bring api escrow to your product
Spin up a sandbox in minutes. Move real money when you're ready — funds always stay in RBI-regulated bank escrow.