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A vault escrow is a merchant-only, pooled-stake escrow: two or more of your customers each lock an agreed amount (“stake”) from their own main balance into their own escrow balance, and you, the merchant, later declare the winner, who receives the whole pot minus the platform fee. It has settlementType: VAULT and carries a participants[] array. See Vault escrows for the concept.
There is no funding step and no dispute flow. The vault is created already funded (every stake is verified and locked in the create call), and settlement is entirely merchant-driven: you are expected to verify the outcome off-platform before declaring the winner.

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Endpoints

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How a vault escrow flows

1

Create with participants (merchant)

POST /v1/escrow/vault/create with a participants[] array of { customerId, amount }. Each stake is debited from the customer’s main balance and locked in their own escrow balance; the vault is born OPENED / ONGOING.
2

The event plays out (off-platform)

Your customers compete, bet, or complete whatever the vault was staked on. You verify the outcome yourself; Payluk does not arbitrate vaults.
3

Declare the winner (merchant)

POST …/vault/winner/{paymentToken} with { winnerId }. The winner’s main balance is credited with the pot minus the fee; the vault closes as COMPLETED.
4

Or cancel

POST …/vault/cancel/{paymentToken} returns every stake minus its pro-rata fee share and closes the vault as REFUNDED.