Implement Multi-Signature Escrow & Trust Account Module

[akargi]

Overview

Build a multi-signature escrow and trust account system for secure high-value trades, institutional deposits, and trustee-managed accounts that require multiple authorization approvals.

Description

High-value transactions and institutional accounts need enhanced security through multi-signature requirements and escrow mechanisms to ensure all parties meet obligations before settlement.

Requirements

• Multi-signature account creation and management
• Escrow account setup for asset holding during trade settlement
• Configurable signature requirements (m-of-n multisig)
• Approval workflow with timeout handling
• Signature verification and tracking
• Partial fund release based on milestone completion
• Dispute resolution workflow
• Time-locked accounts for automatic settlement
• Institutional account support with role-based access
• Integration with Stellar native multisig

Acceptance Criteria

• Multi-signature account entity and state models created
• POST /api/escrow/accounts creates new escrow with m-of-n requirements
• Escrow account successfully holds assets during settlement window
• POST /api/escrow/approve/:id records signature with timestamp
• Timeout mechanism returns funds if agreement not reached (configurable)
• Escrow settlement executes only when m signatures collected
• Time-locked accounts automatically settle after expiration
• Dispute resolution workflow allows authorized parties to flag issues
• Unit tests for multi-sig logic (>85% coverage)
• E2E tests validate complete escrow lifecycle
• Integration tests with Stellar SDK for on-chain multisig