I'm building a marketplace-style platform where a payment is collected upfront but shouldn't be paid out immediately — it needs to be held and only released to the recipient once the payer approves a completed stage of work, which could be a few days after collection.
Is there any native support in the Collections/Disbursements APIs for a conditional or delayed release like this, or is holding funds purely something I'd need to handle in my own backend — i.e., collect immediately via the Collections API, hold the amount in my own ledger, and only call Disbursements once the stage is approved? Trying to understand where the boundary is between what the API handles and what has to live entirely on my side. Any guidance appreciated.