Money Rules

Version: 1.0.0 · Last updated: 2026-07-28

Live configurable defaults (env):

Param	Default	Env
Platform fee	2% (200 bps)	`PLATFORM_FEE_BPS`
Review window	72 hours	`REVIEW_WINDOW_HOURS`
Revision limit	2	`REVISION_LIMIT`
Dispute evidence	72 hours	`DISPUTE_EVIDENCE_HOURS`

Mode A — Escrow

Funding

Full job amount locked in PaylaneEscrow before paid work
Wrong network / non-allowlisted USDC → blocked

Fee

On release to worker (accept, auto-release, or dispute worker share): fee = amount * bps / 10000
Full client refund: no success fee

Release paths

Client accept
Auto-release after review window with no dispute
Admin dispute resolve
Valid cancel/refund / deadline expire

Auto-release

Starts at first deliveredAt
Does not reset on revision
Dispute moves status to Disputed → auto-release impossible

Revisions

Max K (default 2); reason + remaining checklist required
After max: Accept or Dispute only

Cancellation

Situation	Money
Before assignment (no worker)	Full refund
Worker cancels pre-delivery	Full refund
After delivery	No cancel; accept/dispute/auto-release
Missed deadline, no delivery	Full refund via expire

Disputes

Escrow frozen; admin release / refund / split (workerAmount + clientAmount = amount)
Fee on worker portion only

Mode B — API / Agents

Not escrow. Payment unlocks access immediately.
Settlement via x402 + Circle Gateway Nanopayments (batched)
Successful response → generally non-refundable
Optional seller-initiated manual refund (logged)
Credit policy: if seller returns 5xx after valid payment, platform credits/retries (default on)
Disabled endpoint rejects new paid calls
Replay / invalid payment rejected; unpaid → HTTP 402

See CONTRACT_SPEC · STATE_MACHINE · DISPUTE_POLICY