Whether ref is a user wallet account rather than a platform ("house") account — the single
user-vs-house test. Escrow code relies on it to refuse moving held money straight into a user's
balance, which would mint immediately-spendable money that skips settlement and the payout
waiting period.
Whether
refis a user wallet account rather than a platform ("house") account — the single user-vs-house test. Escrow code relies on it to refuse moving held money straight into a user's balance, which would mint immediately-spendable money that skips settlement and the payout waiting period.