Payments & Escrow

model StripeAccount {
  id                 Int      @id @default(autoincrement())
  userId             String   @unique
  user               User     @relation(fields: [userId], references: [id])
  stripeAccountId    String   @unique  // acct_xxx
  onboardingComplete Boolean  @default(false)
  createdAt          DateTime @default(now())
}

model Transaction {
  id                  Int      @id @default(autoincrement())
  dealId              Int      @unique
  deal                Deal     @relation(fields: [dealId], references: [id])
  buyerId             String
  buyer               User     @relation("buyer", fields: [buyerId], references: [id])
  sellerId            String
  seller              User     @relation("seller", fields: [sellerId], references: [id])
  stripePaymentIntent String   @unique  // pi_xxx
  amount              Decimal
  currency            String
  platformFee         Decimal  // our commission
  status              TransactionStatus
  paidAt              DateTime?
  releasedAt          DateTime?  // funds released to seller
  refundedAt          DateTime?
  createdAt           DateTime @default(now())
  updatedAt           DateTime @updatedAt
}

enum TransactionStatus {
  PENDING          // payment intent created
  PAID             // buyer paid, funds held in escrow
  DELIVERY_PENDING // awaiting shipping
  DELIVERED        // tracking confirms delivery
  COMPLETED        // funds released to seller
  DISPUTED         // buyer opened dispute
  REFUNDED         // full or partial refund
  CANCELLED        // cancelled before payment
}