2/10 net-30 can be a field on the invoice and a live amount on the pay page. It does not require a custodial escrow that “releases” if they pay early. The chain either hits the address in time or it does not. Late fees similarly: a new amount after a timestamp, or a follow-on invoice — pick one and webhook the state.
If a platform needs to hold funds to enforce terms, that is a different product (escrow), and it is custody.
Canonical: smart invoices early payment discounts late fees. settlematic.com
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