P2P Escrow B2B API

Secure B2B endpoints for partner platforms (such as AgriSync) to create, manage, and monitor P2P Escrow transactions backed by automated WhatsApp group moderation, Virtual Accounts, and real-time Webhooks.

Authentication

Include one of these headers on every server-to-server API call:

X-Partner-Api-Key: <your-laskad-issued-key>
# OR
X-AgriSync-Api-Key: <your-laskad-issued-key>

Keys are provisioned by Laskad operations. Missing or invalid keys return 401 Unauthorized.

Base URL

HTTPShttps://api.laskad.app/api/v1/b2b/escrow

POST/api/v1/b2b/escrow/create

Creates a new P2P Escrow transaction, provisions a dedicated Virtual Account for buyer deposit, creates a WhatsApp group, and registers optional real-time outbound webhooks.

Parameters

Name	In	Type	Required	Description
`X-Partner-Api-Key`	header	string	required	Partner API Key
`partnerName`	body	string	required	Name of the partner platform (e.g., "AgriSync")
`buyerName`	body	string	required	Full name of the buyer
`buyerPhone`	body	string	required	Buyer WhatsApp phone number in E.164 format (e.g. 2348012345678)
`sellerName`	body	string	required	Full name of the seller
`sellerPhone`	body	string	required	Seller WhatsApp phone number
`itemDescription`	body	string	required	Description of item or commodity
`totalAmount`	body	number	required	Total transaction amount in Naira (min: 100)
`webhookUrl`	body	string (URL)	optional	Outbound HTTP POST webhook URL for status updates
`webhookSecret`	body	string	optional	Secret key for HMAC-SHA256 signature verification
`sellerBankCode`	body	string	optional	Seller 3-digit bank code for disbursement
`sellerAccountNumber`	body	string	optional	Seller 10-digit bank account number
`partnerBankCode`	body	string	optional	Partner bank code for commission payout
`partnerAccountNumber`	body	string	optional	Partner 10-digit bank account number

Response Fields

Field	Type	Description
`success`	boolean	Always true for 2xx responses
`escrowId`	string (UUID)	Laskad internal Escrow UUID
`status`	string	Initial status: AWAITING_FUNDING
`groupJid`	string	Created WhatsApp Group JID
`inviteLink`	string \| null	WhatsApp Group direct invitation URL
`virtualAccount.accountNumber`	string	10-digit Virtual Account Number to deposit into
`virtualAccount.bankName`	string	Bank Name for Virtual Account
`virtualAccount.expectedAmount`	number	Exact expected funding amount
`breakdown.totalAmount`	number	Total purchase price
`breakdown.sellerPayoutAmount`	number	Payout amount to seller after 3% commission
`breakdown.laskadCommission`	number	Laskad fee (1.5%)
`breakdown.partnerCommission`	number	Partner fee share (1.5%)

Example Request

curl -X POST https://api.laskad.app/api/v1/b2b/escrow/create \
  -H "Content-Type: application/json" \
  -H "X-Partner-Api-Key: your-key" \
  -d '{
    "partnerName": "AgriSync",
    "buyerName": "John Doe",
    "buyerPhone": "2348012345678",
    "sellerName": "Farmer Bio",
    "sellerPhone": "2348098765432",
    "itemDescription": "50 Bags of Rice",
    "totalAmount": 150000,
    "webhookUrl": "https://agrisynai.farm/api/webhooks/laskad"
  }'

Example Response

{
  "success": true,
  "escrowId": "f81d4fae-7dec-11d0-a765-00a0c91e6bf6",
  "status": "AWAITING_FUNDING",
  "groupJid": "12036398495038290@g.us",
  "inviteLink": "https://chat.whatsapp.com/ExAmPlELiNk123",
  "virtualAccount": {
    "accountNumber": "9940123456",
    "bankName": "Wema Bank / Lint",
    "accountName": "Laskad Escrow",
    "expectedAmount": 150000
  },
  "breakdown": {
    "totalAmount": 150000,
    "sellerPayoutAmount": 145500,
    "laskadCommission": 2250,
    "partnerCommission": 2250
  }
}

GET/api/v1/b2b/escrow/:id

Fetches full real-time details and transaction state for a specific P2P Escrow session by its UUID.

Parameters

Name	In	Type	Required	Description
`id`	path	string (UUID)	required	Laskad Escrow ID
`X-Partner-Api-Key`	header	string	required	Partner API key

Example Request

curl https://api.laskad.app/api/v1/b2b/escrow/f81d4fae-7dec-11d0-a765-00a0c91e6bf6 \
  -H "X-Partner-Api-Key: your-key"

Example Response

{
  "id": "f81d4fae-7dec-11d0-a765-00a0c91e6bf6",
  "partnerName": "AgriSync",
  "buyerName": "John Doe",
  "sellerName": "Farmer Bio",
  "itemDescription": "50 Bags of Rice",
  "totalAmount": "150000.00",
  "status": "FUNDED",
  "virtualAccountNumber": "9940123456",
  "virtualBankName": "Wema Bank / Lint",
  "createdAt": "2026-09-12T09:40:00.000Z"
}

GET/api/v1/b2b/escrow

Returns all escrow transactions created by your partner platform. Filterable by status.

Parameters

Name	In	Type	Required	Description
`X-Partner-Api-Key`	header	string	required	Partner API key
`status`	query	string	optional	Filter by status: AWAITING_FUNDING \| FUNDED \| POLL_ACTIVE \| COMPLETED \| DISPUTED
`partnerName`	query	string	optional	Filter by partner name

POST/api/v1/b2b/escrow/:id/dispute

Flags an escrow session as DISPUTED. Funds will remain safely frozen in escrow, and a notice will be dispatched to the WhatsApp group and outbound webhooks.

Parameters

Name	In	Type	Required	Description
`id`	path	string (UUID)	required	Escrow UUID
`X-Partner-Api-Key`	header	string	required	Partner API key
`reason`	body	string	optional	Optional description of the dispute reason