Alur dana per-milestone dari klien → escrow → developer, dengan Stripe Connect MoR sebagai compliance layer.
sequenceDiagram
autonumber
participant C as Klien
participant I as IndoCode
participant E as Escrow (Stripe MoR)
participant D as Developer
C->>I: Sign Penugasan + milestone & rate
I->>C: Invoice (rate + 15% fee + ~3% processing)
C->>E: Bayar penuh ke escrow
E-->>I: Konfirmasi dana ter-hold
I-->>D: Notif "Penugasan aktif"
D->>I: Submit milestone deliverable
I->>C: Notif review window
C->>I: Approve milestone
I->>E: Instruksi release
E->>D: Payout 100% rate (USD/IDR)
E->>I: Settle platform fee + processing
Note over C,D: Repeat per milestone
Note over E: Stripe MoR = PSE + FX + tax compliance
| Kapabilitas | 🟢 P1 MVP | 🔵 P2 Scale | 🟣 P3 Expansion |
|---|---|---|---|
| Payment rails | Stripe Connect MoR | + Deel opsional | + Multi-currency + invoicing |
| Currency | USD ↔ IDR | + EUR, GBP, AUD | + 15+ currencies |
| Compliance scope | PSE Indonesia + US | + EU (GDPR) + 2 SEA | + Full SEA + tax per yurisdiksi |
| Escrow window | 7 hari standar | Configurable 3–14 hari | + Auto-release via API |
| Dispute handling | Manual via founder | Dedicated CS team | Automated + arbitration |
| Tax invoicing | Manual receipt | Auto receipts | Full e-faktur + multi-jurisdiction |