Why architecture matters here

Multiparty fails on split confusion, escrow gaps, and refund chains. Architecture matters because signed splits + escrow + reversal must combine for correctness.

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The architecture: every piece explained

The top strip is setup. Buyer signed intent total. Split rules seller + platform + tax. Escrow holds. Fulfillment event triggers release.

The middle row is settlement. Settlement per party signed. Tax + fees. Refund + reversal chain-wide. Audit + ledger.

The lower rows are governance. Dispute + arbitration. Compliance AML per party. Ops — reconciliation + reporting.

AP2 multiparty — split payment + platform fees + escrow + settlementmarketplace-style payments with agentsBuyer signed intentwith amountSplit rulesseller + platform + taxEscrowhold until fulfillmentFulfillment eventtrigger releaseSettlement per partysigned transfersTax + feesjurisdictionalRefund + reversalchain-wideAudit + ledgerimmutableDispute + arbitrationparty-specificComplianceAML per partyOps — reconciliation + reporting + drillssettlecomputereverselogdisputecomplycomplyoperateoperate
AP2 multiparty settlement with escrow + splits.
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End-to-end flow

End-to-end: buyer pays $100 for goods on platform (10% fee). Escrow holds $100. Fulfillment confirmed. Settlement: seller $90, platform $10, tax as required. All signed + audited. If buyer requests refund, chain-wide reversal signs each transfer back.