I need an experienced fintech strategist to map out a complete payment architecture for a platform that handles multi-party transactions moving both within India and across borders. The work spans four corridors—Domestic→Domestic, International→Domestic, Domestic→International, and International→International—so I want crystal-clear flows that show exactly how money enters, moves, and settles in each scenario. Please draw on your knowledge of Indian regulations: RBI nodal-account requirements, FEMA rules for foreign inflows, and any recent circulars that could affect settlement timelines or fund-holding limits. I also want practical guidance on an escrow-like structure that can legally hold funds until all parties meet their obligations. Where tools are concerned, recommend the best fit among options such as Razorpay, Stripe, PayPal, or any other provider you trust for split payments, multi-currency support, and robust compliance features. Outline payout choices suited to India-based users as well as international beneficiaries—bank transfers, wallets, cards, or anything else you have seen work at scale—and note any risk or reconciliation quirks we should plan around. Deliverables • Step-by-step payment flow diagrams for each corridor • A table or matrix matching each flow to the most suitable gateway(s) and payout rails • Detailed design of the escrow-style holding structure, including account types and settlement schedules • A concise risk and compliance brief highlighting licensing, KYC/AML, chargeback exposure, and operational safeguards If you have already built or advised on platforms with revenue splits, marketplace settlements, or cross-border payouts, your insight will be especially valuable.