Settlement - Useroutr

A settlement moves a verified payment’s value from the intent’s deposit account to your destination, through the Useroutr settlement contract on Soroban. It is the evidence every credit rests on: no settlement, no credit.

Lifecycle

Status	What it means
`PENDING`	Created for a confirmed payment; not on chain yet
`SUBMITTED`	Recorded on the settlement contract
`CONFIRMING`	Confirmation sent; the chain state is being checked
`CONFIRMED`	Verified on chain field by field and reconciled as `MATCHED`
`FAILED`	Rejected for good or out of attempts; the intent is `FAILED`

Reconciliation

Before anything is credited, Useroutr compares the chain with its own records. A settlement is credited only when reconciliation_status is MATCHED. If they disagree, the status is EXCEPTION, nothing is credited, and the case is opened for the Useroutr team to resolve.

Read

const settlement = await useroutr.fundingIntents.retrieveSettlement("fi_2d6a91c4");

settlement.status; // "CONFIRMED"
settlement.transfer_transaction_hash; // the transfer to your destination
settlement.protocol.confirm_transaction_hash; // the protocol confirmation

Every hash can be checked on a Stellar explorer, so you can verify a settlement yourself.

Webhooks

funding.settling fires when a settlement is created, funding.settled when it is confirmed and funding.failed if it fails. Each carries the funding intent, whose settlement field holds the settlement. Settlement is retried and recovers from partial failures on its own, without ever producing a second credit.