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Atomic clearing

Every payment and debit pull settles through the same mechanism: the moment fiat clears into OpenFi’s settlement account, it triggers stablecoin minting/routing on-chain in the same atomic operation. There’s no pre-funded liquidity pool on either side and no window where funds exist in two places at once. This is why POST /v1/payments and POST /v1/debit-pulls both return a settlement object (chain, tx_hash) rather than exposing atomic clearing as a separate endpoint you call. It’s a property of how every settlement executes, not a distinct action.
chain is stellar or solana. OpenFi routes automatically. You never choose it.

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Programmatic escrow (V2)

Programmatic escrow arrives in V2.
Once available, escrow will let cleared funds be locked against programmatic conditions (a milestone attestation, a delivery confirmation, a payroll deadline) before release to the destination, with automatic rollback if conditions aren’t met in time. See the Agentic Commerce use case for the intended flow.