Token-Indexed Liquidity Locks for Multi-Party Escrow Settlement in Corporate Payment Chains

Abstract

Token-indexed liquidity locks introduce a programmable assurance layer for multi-party escrow settlement, enabling predictable and secure fund release across corporate payment chains that traditionally rely on manual controls and sequential authorization. By linking escrow activation to token index stability and distributing settlement responsibilities across buyers, suppliers, financiers, and intermediaries, the model reduces ambiguity, strengthens liquidity governance, and prevents premature settlement under fluctuating financial conditions. Simulation results, including the settlement completion curve under synthetic load, reveal that system performance remains stable until liquidity fragmentation becomes the dominant constraint, at which point deferred settlement pathways and financier reinforcement preserve transactional correctness. The combined architectural and performance analysis demonstrates that token-indexed escrow frameworks significantly enhance settlement reliability, audit visibility, and operational resilience, providing a viable foundation for next-generation corporate payment automation.