VAULTLINK
OPEN BANKING + PROGRAMMABLE ESCROW

One Open Banking API + Escrow API for high-stakes trades

VaultLink combines real-time bank verification (Kong, Salt Edge, Finverse) and a programmable escrow ledger into a single SDK. Lock 50/40/10, prove funds in 200ms, release on AI-verified delivery evidence.

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VaultLink open banking and escrow API — neon vault with API endpoints and bank settlement flows
50+ markets covered•PSD2 / FCA compliant•SOC 2-grade audit log

The open banking API that closes the loop

Other open banking APIs stop at "balance retrieved". VaultLink pipes that balance straight into a programmable escrow API — so you can act on Proof of Funds without writing the settlement layer yourself.

REAL-TIME POF

Sub-second balance reads across UK Open Banking, Berlin Group, FDX. Cached with TTL, signed with the bank's response hash.

PROGRAMMABLE ESCROW

Lock funds against a deal_ref. Release on milestone: 50% on lift, 40% on BDN, 10% on quality clear. Override by 2-of-3 quorum.

HASH-CHAINED AUDIT

Every state change writes to an append-only ledger. Each row references the previous hash — tamper-evident and exportable as PDF.

OPL READY

Off Port Limits deliveries handled via geofenced flow meter photos and Gemini 2.5 Pro evidence verification. No inspector required.

CONTRACT SPEC ENGINE

Bring your own product spec (EN590, Jet A1, custom). The API compares SGS or AI-read results to the contracted tolerance band.

WEBHOOK FIRST

Subscribe to deal.locked, milestone.released, dispute.opened. Signed with HMAC-SHA256, retried with exponential backoff.

Escrow API in 4 calls

Production-grade flow from Proof of Funds to final release. Every response carries a `ledger_seq` you can verify against the public hash chain.

POST/v1/pof/verify

Open banking handshake — returns balance, currency, IBAN match, signed bank hash.

POST/v1/escrow/lock

Lock funds against a deal_ref. Returns release schedule (50/40/10) and audit seq.

POST/v1/inspection/evidence

Upload BDN, SGS report, or flow meter photo. Gemini verifies; tolerance compared to contract spec.

POST/v1/escrow/release

Release a milestone. Requires evidence_id + quorum_token. Emits webhook + ledger row.

Questions teams ask before integrating

What is an open banking API?

A regulated interface (PSD2 in the EU, Open Banking in the UK, CDR in AU, FDX in the US) that lets licensed platforms read bank-account data and initiate payments with user consent. VaultLink aggregates Kong, Salt Edge, and Finverse so you call one endpoint and reach 50+ markets.

How does the escrow API differ from Stripe Connect or a marketplace payout?

Stripe holds platform fees and pays out on a fixed schedule. VaultLink holds the full deal value under bilateral release conditions tied to physical delivery evidence — designed for $50K–$50M trade flows where a custodian, not a marketplace, is the right model.

Can I bring my own custodian bank?

Yes. VaultLink runs in either "managed funds" mode (we hold via partner trust) or "custody-agnostic" mode where the escrow API drives instructions into your existing custodian via SWIFT MT103 / MT202 messages.

What does the audit ledger look like?

Append-only Postgres table. Every row is `{seq, ts, actor, msg, prev_hash, hash}` — the hash chains over `prev_hash` so tampering breaks verification. Exportable as PDF or NDJSON for regulators.

Stop bolting open banking + escrow together.

VaultLink is the one API your trade-finance team should integrate. Sign up — sandbox keys are issued in under 60 seconds.

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