Marketplaces
Problem
Physical products, digital goods, or services sold by third parties -- the payment needs to stay held until delivery is confirmed, protecting both buyer and seller.
How the platform solves it
A Workflow holds the amount in the buyer's Account until the delivery event is reported by your application; the Settlement releases the amount to the seller, with the platform fee automatically deducted.
Self-custody: Sellers can keep their own wallet: self-custody signing means their private key never reaches Ishtaran, even while the Workflow holds and releases the payment.
High-value intermediation platforms
Problem
Buying and selling vehicles, real estate, or other high-value assets -- the traditional escrow process is slow and manual.
How the platform solves it
The same Account + Workflow pair models the deal conditions (approved documentation, completed inspection) before releasing the amount, with the entire transition history auditable in the Ledger.
Dedicated escrow applications
Problem
Products whose core is exactly the conditional holding of funds between two parties.
How the platform solves it
The API exposes the Account, Workflow, and Settlement concepts directly -- the escrow application doesn't need to build its own rules engine or accounting.
Self-custody: Both parties can hold their own wallet under self-custody -- Ishtaran verifies and relays the signed release, never the private keys behind it.
Affiliate and partner systems
Problem
Revenue from a sale needs to be split between multiple parties (affiliate, partner, platform) consistently and traceably.
How the platform solves it
The Settlement applies a split between parties over the distributable amount, each portion posted as its own Ledger Entry -- never a calculation done outside the accounting record.
Backoffices and ERPs
Problem
Internal systems need to orchestrate conditional financial settlements as part of a larger process, without rewriting accounting/release logic for every integration.
How the platform solves it
The same API used by a customer-facing application serves as the settlement layer for internal processes -- a single domain model, reused.