diff --git a/TERMS.md b/TERMS.md
index 8dde10f..13bd66e 100644
--- a/TERMS.md
+++ b/TERMS.md
@@ -59,19 +59,28 @@ Dengan menggunakan SeTrip, Anda menyatakan bahwa:
 
 ---
 
-# 6. Pembayaran
+# 6. Pembayaran & Escrow
 
-- Pembayaran dilakukan sesuai metode yang tersedia di platform
-- Dalam fase awal, pembayaran dapat dilakukan langsung kepada organizer
-- SeTrip tidak menjamin keamanan transaksi yang dilakukan di luar platform
+- Pembayaran dilakukan melalui metode yang tersedia di platform (Midtrans atau transfer manual yang dikonfirmasi organizer)
+- **Uang peserta ditahan oleh SeTrip (escrow)** sejak pembayaran berhasil hingga trip selesai + 3 hari, baru kemudian diteruskan ke organizer
+- Buffer 3 hari memberi waktu peserta dan organizer melaporkan masalah trip sebelum uang cair
+- Pembayaran di luar platform tidak dijamin keamanannya oleh SeTrip — kami tidak dapat memediasi sengketa untuk transaksi off-platform
 
 ---
 
 # 7. Pembatalan & Refund
 
-- Kebijakan pembatalan ditentukan oleh organizer
-- SeTrip tidak bertanggung jawab atas refund yang tidak diberikan oleh organizer
-- Pengguna disarankan untuk memahami kebijakan sebelum melakukan pembayaran
+**Saat peserta membatalkan booking sendiri** (kebijakan default platform):
+
+- **≥ 7 hari** sebelum tanggal berangkat → refund **80%** dari nominal booking
+- **3–6 hari** sebelum tanggal berangkat → refund **50%** dari nominal booking
+- **< 3 hari** sebelum tanggal berangkat / setelah berangkat → **tidak ada refund**
+
+**Saat organizer membatalkan trip:** peserta yang sudah bayar mendapat refund **100%**.
+
+**Pengembalian dana** diproses manual oleh admin SeTrip — perlu 1–3 hari kerja sejak refund disetujui untuk uang masuk ke rekening kamu. Setiap pengajuan refund tercatat (tidak pernah dihapus) untuk audit trail.
+
+Kebijakan di atas berlaku platform-wide; organizer tidak dapat menetapkan policy yang lebih ketat tanpa persetujuan tertulis dari SeTrip.
 
 ---
 
diff --git a/app/accept-terms/form.tsx b/app/(public)/accept-terms/form.tsx
similarity index 100%
rename from app/accept-terms/form.tsx
rename to app/(public)/accept-terms/form.tsx
diff --git a/app/accept-terms/page.tsx b/app/(public)/accept-terms/page.tsx
similarity index 100%
rename from app/accept-terms/page.tsx
rename to app/(public)/accept-terms/page.tsx
diff --git a/app/create-trip/layout.tsx b/app/(public)/create-trip/layout.tsx
similarity index 100%
rename from app/create-trip/layout.tsx
rename to app/(public)/create-trip/layout.tsx
diff --git a/app/create-trip/page.tsx b/app/(public)/create-trip/page.tsx
similarity index 100%
rename from app/create-trip/page.tsx
rename to app/(public)/create-trip/page.tsx
diff --git a/app/(public)/layout.tsx b/app/(public)/layout.tsx
new file mode 100644
index 0000000..e000b35
--- /dev/null
+++ b/app/(public)/layout.tsx
@@ -0,0 +1,25 @@
+import { Navbar } from "@/components/shared/navbar";
+import { ProfileNudgeBanner } from "@/components/shared/profile-nudge-banner";
+import { Footer } from "@/components/shared/footer";
+
+/**
+ * Layout user-facing (semua halaman publik + dashboard organizer/peserta).
+ * Berisi navbar global, profile-nudge banner, dan footer.
+ *
+ * Tidak berlaku untuk halaman admin — admin punya layout sendiri di
+ * app/admin/layout.tsx dengan sidebar khusus.
+ */
+export default function PublicLayout({
+  children,
+}: {
+  children: React.ReactNode;
+}) {
+  return (
+    <>
+      <Navbar />
+      <ProfileNudgeBanner />
+      <main className="flex-1">{children}</main>
+      <Footer />
+    </>
+  );
+}
diff --git a/app/login/layout.tsx b/app/(public)/login/layout.tsx
similarity index 100%
rename from app/login/layout.tsx
rename to app/(public)/login/layout.tsx
diff --git a/app/login/page.tsx b/app/(public)/login/page.tsx
similarity index 93%
rename from app/login/page.tsx
rename to app/(public)/login/page.tsx
index fd4be9c..ee54476 100644
--- a/app/login/page.tsx
+++ b/app/(public)/login/page.tsx
@@ -1,7 +1,7 @@
 "use client";
 
 import { useState, Suspense } from "react";
-import { signIn } from "next-auth/react";
+import { signIn, getSession } from "next-auth/react";
 import { useRouter, useSearchParams } from "next/navigation";
 import Link from "next/link";
 import Image from "next/image";
@@ -38,7 +38,13 @@ function LoginForm() {
     if (result?.error) {
       setError(result.error);
     } else {
-      const next = safeInternalPath(searchParams.get("callbackUrl"));
+      const rawCallback = searchParams.get("callbackUrl");
+      let next = safeInternalPath(rawCallback);
+      // Tanpa callbackUrl eksplisit, arahkan admin ke dashboard /admin.
+      if (!rawCallback) {
+        const session = await getSession();
+        if (session?.user?.isAdmin) next = "/admin";
+      }
       router.push(next);
       router.refresh();
     }
diff --git a/app/page.tsx b/app/(public)/page.tsx
similarity index 100%
rename from app/page.tsx
rename to app/(public)/page.tsx
diff --git a/app/people/page.tsx b/app/(public)/people/page.tsx
similarity index 100%
rename from app/people/page.tsx
rename to app/(public)/people/page.tsx
diff --git a/app/privacy/layout.tsx b/app/(public)/privacy/layout.tsx
similarity index 100%
rename from app/privacy/layout.tsx
rename to app/(public)/privacy/layout.tsx
diff --git a/app/privacy/page.tsx b/app/(public)/privacy/page.tsx
similarity index 100%
rename from app/privacy/page.tsx
rename to app/(public)/privacy/page.tsx
diff --git a/app/profile/page.tsx b/app/(public)/profile/page.tsx
similarity index 96%
rename from app/profile/page.tsx
rename to app/(public)/profile/page.tsx
index 5d12c96..b22bf24 100644
--- a/app/profile/page.tsx
+++ b/app/(public)/profile/page.tsx
@@ -5,9 +5,11 @@ import Link from "next/link";
 import { getServerSession } from "next-auth";
 import { authOptions } from "@/lib/auth";
 import { profileService } from "@/server/services/profile.service";
+import { payoutRepo } from "@/server/repositories/payout.repo";
 import { TripCard } from "@/features/trip/components/trip-card";
 import { ProfileTripRow } from "@/features/profile/components/profile-trip-row";
 import { ProfileEditor } from "@/features/profile/components/profile-editor";
+import { EarningsSection } from "@/features/payout/components/earnings-section";
 
 export const metadata: Metadata = {
   title: "Profil Saya",
@@ -20,9 +22,10 @@ export default async function ProfilePage() {
     redirect("/login?callbackUrl=/profile");
   }
 
-  const [data, ownProfile] = await Promise.all([
+  const [data, ownProfile, payouts] = await Promise.all([
     profileService.getProfileDashboard(session.user.id),
     profileService.getOwnProfile(session.user.id),
+    payoutRepo.listForOrganizer(session.user.id),
   ]);
   const {
     user,
@@ -84,6 +87,9 @@ export default async function ProfilePage() {
         </Link>
       </div>
 
+      {/* Pendapatan dari peserta (escrow payout) */}
+      <EarningsSection payouts={payouts} />
+
       {/* Profil sosial publik */}
       <div className="mb-6">
         <ProfileEditor
diff --git a/app/register/layout.tsx b/app/(public)/register/layout.tsx
similarity index 100%
rename from app/register/layout.tsx
rename to app/(public)/register/layout.tsx
diff --git a/app/register/page.tsx b/app/(public)/register/page.tsx
similarity index 100%
rename from app/register/page.tsx
rename to app/(public)/register/page.tsx
diff --git a/app/terms/layout.tsx b/app/(public)/terms/layout.tsx
similarity index 100%
rename from app/terms/layout.tsx
rename to app/(public)/terms/layout.tsx
diff --git a/app/terms/page.tsx b/app/(public)/terms/page.tsx
similarity index 100%
rename from app/terms/page.tsx
rename to app/(public)/terms/page.tsx
diff --git a/app/trips/[id]/opengraph-image.tsx b/app/(public)/trips/[id]/opengraph-image.tsx
similarity index 100%
rename from app/trips/[id]/opengraph-image.tsx
rename to app/(public)/trips/[id]/opengraph-image.tsx
diff --git a/app/trips/[id]/page.tsx b/app/(public)/trips/[id]/page.tsx
similarity index 100%
rename from app/trips/[id]/page.tsx
rename to app/(public)/trips/[id]/page.tsx
diff --git a/app/trips/[id]/payment/page.tsx b/app/(public)/trips/[id]/payment/page.tsx
similarity index 100%
rename from app/trips/[id]/payment/page.tsx
rename to app/(public)/trips/[id]/payment/page.tsx
diff --git a/app/trips/page.tsx b/app/(public)/trips/page.tsx
similarity index 100%
rename from app/trips/page.tsx
rename to app/(public)/trips/page.tsx
diff --git a/app/u/[id]/page.tsx b/app/(public)/u/[id]/page.tsx
similarity index 100%
rename from app/u/[id]/page.tsx
rename to app/(public)/u/[id]/page.tsx
diff --git a/app/verify/layout.tsx b/app/(public)/verify/layout.tsx
similarity index 100%
rename from app/verify/layout.tsx
rename to app/(public)/verify/layout.tsx
diff --git a/app/verify/page.tsx b/app/(public)/verify/page.tsx
similarity index 100%
rename from app/verify/page.tsx
rename to app/(public)/verify/page.tsx
diff --git a/app/admin/layout.tsx b/app/admin/layout.tsx
new file mode 100644
index 0000000..ef05f44
--- /dev/null
+++ b/app/admin/layout.tsx
@@ -0,0 +1,59 @@
+import type { Metadata } from "next";
+import { redirect } from "next/navigation";
+import { getServerSession } from "next-auth";
+import { authOptions } from "@/lib/auth";
+import { AdminSidebar } from "@/components/admin/admin-sidebar";
+
+export const metadata: Metadata = {
+  title: "Admin · SeTrip",
+  alternates: { canonical: "/admin" },
+  robots: { index: false, follow: false },
+};
+
+/**
+ * Layout admin — terpisah penuh dari layout user (navbar/footer publik tidak
+ * dipakai). Sidebar kiri jadi shell global untuk semua /admin/*.
+ *
+ * Auth gate di layout ini berlaku ke seluruh sub-page admin sehingga
+ * sub-page tidak perlu re-check (boleh disederhanakan di iterasi berikutnya).
+ */
+export default async function AdminLayout({
+  children,
+}: {
+  children: React.ReactNode;
+}) {
+  const session = await getServerSession(authOptions);
+  if (!session?.user) {
+    redirect("/login?callbackUrl=/admin");
+  }
+  if (!session.user.isAdmin) {
+    return (
+      <div className="flex min-h-screen items-center justify-center bg-neutral-50 px-4">
+        <div className="max-w-md rounded-2xl border border-neutral-200 bg-white p-8 text-center shadow-sm">
+          <p className="text-2xl">🔒</p>
+          <h1 className="mt-2 text-base font-bold text-neutral-900">
+            Halaman khusus admin
+          </h1>
+          <p className="mt-1 text-sm text-neutral-500">
+            Akun kamu tidak punya akses ke panel admin SeTrip.
+          </p>
+          <a
+            href="/"
+            className="mt-4 inline-block rounded-xl bg-primary-600 px-4 py-2 text-sm font-semibold text-white hover:bg-primary-700"
+          >
+            Kembali ke beranda
+          </a>
+        </div>
+      </div>
+    );
+  }
+
+  return (
+    <div className="flex min-h-screen flex-col bg-neutral-50 lg:flex-row">
+      <AdminSidebar
+        user={{ name: session.user.name, email: session.user.email }}
+      />
+      <main className="flex-1 min-w-0">{children}</main>
+    </div>
+  );
+}
diff --git a/app/admin/page.tsx b/app/admin/page.tsx
new file mode 100644
index 0000000..b258796
--- /dev/null
+++ b/app/admin/page.tsx
@@ -0,0 +1,371 @@
+import { redirect } from "next/navigation";
+import Link from "next/link";
+import { getServerSession } from "next-auth";
+import { authOptions } from "@/lib/auth";
+import { organizerRepo } from "@/server/repositories/organizer.repo";
+import { refundRepo } from "@/server/repositories/refund.repo";
+import { payoutRepo } from "@/server/repositories/payout.repo";
+
+const REFUND_REASON_LABEL: Record<string, string> = {
+  USER_CANCELLATION: "Peserta cancel",
+  ORGANIZER_CANCELLED: "Organizer cancel",
+  TRIP_ISSUE: "Masalah trip",
+  ADMIN_ADJUSTMENT: "Penyesuaian admin",
+  DISPUTE_RESOLVED: "Dispute selesai",
+  OTHER: "Lainnya",
+};
+
+function formatIDR(n: number) {
+  return `Rp${n.toLocaleString("id-ID")}`;
+}
+
+function timeAgo(d: Date) {
+  const diff = Date.now() - new Date(d).getTime();
+  const h = Math.floor(diff / 3600000);
+  if (h < 1) return `${Math.max(1, Math.floor(diff / 60000))} mnt lalu`;
+  if (h < 24) return `${h} jam lalu`;
+  const days = Math.floor(h / 24);
+  return `${days} hari lalu`;
+}
+
+export default async function AdminDashboardPage() {
+  const session = await getServerSession(authOptions);
+  if (!session?.user) redirect("/login?callbackUrl=/admin");
+  if (!session.user.isAdmin) {
+    return (
+      <div className="mx-auto max-w-2xl px-4 py-12 text-center">
+        <p className="text-sm text-neutral-600">
+          Halaman ini hanya untuk admin SeTrip.
+        </p>
+      </div>
+    );
+  }
+
+  const [
+    pendingVerif,
+    approvedVerif,
+    rejectedVerif,
+    pendingRefund,
+    approvedRefund,
+    succeededRefund,
+    heldPayout,
+    releasedPayout,
+    paidPayout,
+    recentPendingVerif,
+    recentPendingRefund,
+    recentApprovedRefund,
+    recentReleasedPayout,
+  ] = await Promise.all([
+    organizerRepo.countByStatus("PENDING"),
+    organizerRepo.countByStatus("APPROVED"),
+    organizerRepo.countByStatus("REJECTED"),
+    refundRepo.countByStatus("PENDING"),
+    refundRepo.countByStatus("APPROVED"),
+    refundRepo.countByStatus("SUCCEEDED"),
+    payoutRepo.countByStatus("HELD"),
+    payoutRepo.countByStatus("RELEASED"),
+    payoutRepo.countByStatus("PAID"),
+    organizerRepo.listRecent("PENDING", 3),
+    refundRepo.listRecent("PENDING", 3),
+    refundRepo.listRecent("APPROVED", 3),
+    payoutRepo.listRecent("RELEASED", 3),
+  ]);
+
+  const stats: Array<{
+    label: string;
+    value: number;
+    hint: string;
+    href: string;
+    accent: "amber" | "blue" | "primary";
+  }> = [
+    {
+      label: "Verifikasi menunggu",
+      value: pendingVerif,
+      hint: "KYC organizer perlu ditinjau",
+      href: "/admin/verifications?tab=PENDING",
+      accent: "amber",
+    },
+    {
+      label: "Refund baru",
+      value: pendingRefund,
+      hint: "Perlu disetujui / ditolak",
+      href: "/admin/refunds?tab=PENDING",
+      accent: "amber",
+    },
+    {
+      label: "Refund siap transfer",
+      value: approvedRefund,
+      hint: "Refund APPROVED — transfer ke peserta lalu mark SUCCEEDED",
+      href: "/admin/refunds?tab=APPROVED",
+      accent: "blue",
+    },
+    {
+      label: "Payout siap transfer",
+      value: releasedPayout,
+      hint: "Escrow lepas — transfer ke organizer",
+      href: "/admin/payouts?tab=RELEASED",
+      accent: "blue",
+    },
+  ];
+
+  const accentClasses: Record<typeof stats[number]["accent"], string> = {
+    amber: "bg-amber-50 text-amber-900 ring-amber-200",
+    blue: "bg-blue-50 text-blue-900 ring-blue-200",
+    primary: "bg-primary-50 text-primary-900 ring-primary-200",
+  };
+
+  const totalAttention =
+    pendingVerif + pendingRefund + approvedRefund + releasedPayout;
+
+  return (
+    <div className="mx-auto max-w-5xl px-4 py-8 sm:py-12">
+      <header className="mb-8">
+        <p className="text-xs font-semibold uppercase tracking-wide text-primary-600">
+          Admin
+        </p>
+        <h1 className="mt-1 text-2xl font-bold text-neutral-900 sm:text-3xl">
+          Dashboard
+        </h1>
+        <p className="mt-1 text-sm text-neutral-500">
+          Halo {session.user.name}.{" "}
+          {totalAttention > 0 ? (
+            <>
+              Ada <strong className="text-neutral-800">{totalAttention}</strong>{" "}
+              hal yang menunggu tindakan kamu.
+            </>
+          ) : (
+            <>Tidak ada antrian pending — semua sudah beres ✨</>
+          )}
+        </p>
+      </header>
+
+      {/* Stats row */}
+      <section className="mb-8 grid gap-3 sm:grid-cols-2 lg:grid-cols-4">
+        {stats.map((s) => (
+          <Link
+            key={s.label}
+            href={s.href}
+            className={`group rounded-2xl bg-white p-5 ring-1 transition-shadow hover:shadow-md ${
+              s.value > 0 ? "ring-neutral-200" : "ring-neutral-100"
+            }`}
+          >
+            <div className="flex items-center justify-between">
+              <span
+                className={`inline-flex rounded-full px-2.5 py-0.5 text-[11px] font-semibold ring-1 ${accentClasses[s.accent]}`}
+              >
+                {s.label}
+              </span>
+              <span className="text-xs text-neutral-400 group-hover:text-primary-600">
+                Buka →
+              </span>
+            </div>
+            <p className="mt-3 text-3xl font-bold text-neutral-900">{s.value}</p>
+            <p className="mt-1 text-xs text-neutral-500">{s.hint}</p>
+          </Link>
+        ))}
+      </section>
+
+      {/* Pending Verifikasi */}
+      <section className="mb-8 rounded-2xl border border-neutral-200 bg-white">
+        <div className="flex items-center justify-between border-b border-neutral-100 px-5 py-4">
+          <div>
+            <h2 className="text-base font-bold text-neutral-800">
+              Verifikasi Organizer
+            </h2>
+            <p className="text-xs text-neutral-500">
+              {approvedVerif} disetujui · {rejectedVerif} ditolak ·{" "}
+              {pendingVerif} menunggu
+            </p>
+          </div>
+          <Link
+            href="/admin/verifications?tab=PENDING"
+            className="rounded-lg bg-primary-600 px-3 py-1.5 text-xs font-semibold text-white hover:bg-primary-700"
+          >
+            Tinjau pending ({pendingVerif})
+          </Link>
+        </div>
+        {recentPendingVerif.length === 0 ? (
+          <p className="px-5 py-6 text-sm text-neutral-500">
+            Tidak ada pengajuan menunggu review.
+          </p>
+        ) : (
+          <ul className="divide-y divide-neutral-100">
+            {recentPendingVerif.map((v) => (
+              <li
+                key={v.id}
+                className="flex items-center justify-between gap-3 px-5 py-3"
+              >
+                <div className="min-w-0 flex-1">
+                  <p className="truncate text-sm font-semibold text-neutral-800">
+                    {v.fullName}
+                  </p>
+                  <p className="truncate text-xs text-neutral-500">
+                    {v.user.name} · {v.user.email} · {timeAgo(v.createdAt)}
+                  </p>
+                </div>
+                <Link
+                  href="/admin/verifications?tab=PENDING"
+                  className="shrink-0 rounded-lg border border-neutral-200 px-3 py-1.5 text-xs font-medium text-neutral-700 hover:bg-neutral-50"
+                >
+                  Buka
+                </Link>
+              </li>
+            ))}
+          </ul>
+        )}
+      </section>
+
+      {/* Refund — Pending & Siap Transfer */}
+      <section className="mb-8 rounded-2xl border border-neutral-200 bg-white">
+        <div className="flex items-center justify-between border-b border-neutral-100 px-5 py-4">
+          <div>
+            <h2 className="text-base font-bold text-neutral-800">Refund</h2>
+            <p className="text-xs text-neutral-500">
+              {succeededRefund} selesai · {approvedRefund} siap transfer ·{" "}
+              {pendingRefund} baru
+            </p>
+          </div>
+          <Link
+            href="/admin/refunds?tab=PENDING"
+            className="rounded-lg bg-primary-600 px-3 py-1.5 text-xs font-semibold text-white hover:bg-primary-700"
+          >
+            Tinjau refund
+          </Link>
+        </div>
+
+        <div className="grid divide-neutral-100 sm:grid-cols-2 sm:divide-x">
+          <div className="px-5 py-4">
+            <p className="mb-2 text-xs font-semibold uppercase tracking-wide text-amber-700">
+              Pending ({pendingRefund})
+            </p>
+            {recentPendingRefund.length === 0 ? (
+              <p className="text-sm text-neutral-500">
+                Tidak ada refund baru.
+              </p>
+            ) : (
+              <ul className="space-y-2">
+                {recentPendingRefund.map((r) => (
+                  <li key={r.id} className="text-sm">
+                    <Link
+                      href="/admin/refunds?tab=PENDING"
+                      className="block rounded-lg p-2 -m-2 hover:bg-neutral-50"
+                    >
+                      <p className="font-semibold text-neutral-800">
+                        {formatIDR(r.amount)} ·{" "}
+                        <span className="font-normal text-neutral-500">
+                          {REFUND_REASON_LABEL[r.reason] ?? r.reason}
+                        </span>
+                      </p>
+                      <p className="truncate text-xs text-neutral-500">
+                        {r.booking.user.name} · {r.booking.trip.title} ·{" "}
+                        {timeAgo(r.createdAt)}
+                      </p>
+                    </Link>
+                  </li>
+                ))}
+              </ul>
+            )}
+          </div>
+
+          <div className="px-5 py-4">
+            <p className="mb-2 text-xs font-semibold uppercase tracking-wide text-blue-700">
+              Siap transfer ({approvedRefund})
+            </p>
+            {recentApprovedRefund.length === 0 ? (
+              <p className="text-sm text-neutral-500">
+                Tidak ada refund siap transfer.
+              </p>
+            ) : (
+              <ul className="space-y-2">
+                {recentApprovedRefund.map((r) => (
+                  <li key={r.id} className="text-sm">
+                    <Link
+                      href="/admin/refunds?tab=APPROVED"
+                      className="block rounded-lg p-2 -m-2 hover:bg-neutral-50"
+                    >
+                      <p className="font-semibold text-neutral-800">
+                        {formatIDR(r.amount)} ·{" "}
+                        <span className="font-normal text-neutral-500">
+                          {REFUND_REASON_LABEL[r.reason] ?? r.reason}
+                        </span>
+                      </p>
+                      <p className="truncate text-xs text-neutral-500">
+                        {r.booking.user.name} · {r.booking.trip.title} ·{" "}
+                        {timeAgo(r.createdAt)}
+                      </p>
+                    </Link>
+                  </li>
+                ))}
+              </ul>
+            )}
+          </div>
+        </div>
+      </section>
+
+      {/* Payout — escrow ke organizer */}
+      <section className="mb-8 rounded-2xl border border-neutral-200 bg-white">
+        <div className="flex items-center justify-between border-b border-neutral-100 px-5 py-4">
+          <div>
+            <h2 className="text-base font-bold text-neutral-800">
+              Payout Organizer (Escrow)
+            </h2>
+            <p className="text-xs text-neutral-500">
+              {paidPayout} dibayar · {releasedPayout} siap transfer ·{" "}
+              {heldPayout} ditahan
+            </p>
+          </div>
+          <Link
+            href="/admin/payouts?tab=RELEASED"
+            className="rounded-lg bg-primary-600 px-3 py-1.5 text-xs font-semibold text-white hover:bg-primary-700"
+          >
+            Transfer payout ({releasedPayout})
+          </Link>
+        </div>
+        {recentReleasedPayout.length === 0 ? (
+          <p className="px-5 py-6 text-sm text-neutral-500">
+            Tidak ada payout siap transfer.
+          </p>
+        ) : (
+          <ul className="divide-y divide-neutral-100">
+            {recentReleasedPayout.map((p) => (
+              <li
+                key={p.id}
+                className="flex items-center justify-between gap-3 px-5 py-3"
+              >
+                <div className="min-w-0 flex-1">
+                  <p className="truncate text-sm font-semibold text-neutral-800">
+                    {formatIDR(p.amount)} · {p.organizer.name}
+                  </p>
+                  <p className="truncate text-xs text-neutral-500">
+                    {p.trip.title} ·{" "}
+                    {p.releasedAt
+                      ? `release ${timeAgo(p.releasedAt)}`
+                      : `hold sampai ${new Date(p.heldUntil).toLocaleDateString("id-ID")}`}
+                  </p>
+                </div>
+                <Link
+                  href="/admin/payouts?tab=RELEASED"
+                  className="shrink-0 rounded-lg border border-neutral-200 px-3 py-1.5 text-xs font-medium text-neutral-700 hover:bg-neutral-50"
+                >
+                  Buka
+                </Link>
+              </li>
+            ))}
+          </ul>
+        )}
+      </section>
+
+      <section className="rounded-2xl border border-dashed border-neutral-300 bg-neutral-50 px-5 py-4 text-xs text-neutral-500">
+        <p className="mb-1">
+          <span className="font-semibold">Refund APPROVED:</span> admin transfer
+          manual ke peserta lalu tandai <span className="font-semibold">SUCCEEDED</span>.
+        </p>
+        <p>
+          <span className="font-semibold">Payout RELEASED:</span> escrow dilepas
+          karena trip sudah selesai + 3 hari. Admin transfer ke organizer lalu
+          tandai <span className="font-semibold">PAID</span>.
+        </p>
+      </section>
+    </div>
+  );
+}
diff --git a/app/admin/payouts/layout.tsx b/app/admin/payouts/layout.tsx
new file mode 100644
index 0000000..5ce2604
--- /dev/null
+++ b/app/admin/payouts/layout.tsx
@@ -0,0 +1,17 @@
+import type { Metadata } from "next";
+
+export const metadata: Metadata = {
+  title: "Admin · Payout Organizer",
+  description:
+    "Halaman admin untuk meneruskan uang escrow ke rekening organizer setelah trip selesai.",
+  alternates: { canonical: "/admin/payouts" },
+  robots: { index: false, follow: false },
+};
+
+export default function AdminPayoutsLayout({
+  children,
+}: {
+  children: React.ReactNode;
+}) {
+  return children;
+}
diff --git a/app/admin/payouts/page.tsx b/app/admin/payouts/page.tsx
new file mode 100644
index 0000000..e533663
--- /dev/null
+++ b/app/admin/payouts/page.tsx
@@ -0,0 +1,110 @@
+import { redirect } from "next/navigation";
+import { getServerSession } from "next-auth";
+import { authOptions } from "@/lib/auth";
+import { isAdminEmail } from "@/lib/admin";
+import { payoutRepo } from "@/server/repositories/payout.repo";
+import {
+  PayoutReviewCard,
+  type PayoutCardData,
+} from "@/features/payout/components/payout-review-card";
+
+type Tab = "RELEASED" | "HELD" | "PAID" | "CANCELLED";
+
+const TABS: { key: Tab; label: string }[] = [
+  { key: "RELEASED", label: "Siap transfer" },
+  { key: "HELD", label: "Ditahan (escrow)" },
+  { key: "PAID", label: "Selesai" },
+  { key: "CANCELLED", label: "Dibatalkan" },
+];
+
+interface PageProps {
+  searchParams: Promise<{ tab?: string }>;
+}
+
+export default async function AdminPayoutsPage({ searchParams }: PageProps) {
+  const session = await getServerSession(authOptions);
+  if (!session?.user) redirect("/login?callbackUrl=/admin/payouts");
+  if (!isAdminEmail(session.user.email)) {
+    return (
+      <div className="mx-auto max-w-2xl px-4 py-12 text-center">
+        <p className="text-sm text-neutral-600">
+          Halaman ini hanya untuk admin SeTrip.
+        </p>
+      </div>
+    );
+  }
+
+  const params = await searchParams;
+  const tab: Tab = TABS.some((t) => t.key === params.tab)
+    ? (params.tab as Tab)
+    : "RELEASED";
+
+  const rows = await payoutRepo.listByStatus(tab);
+  const items: PayoutCardData[] = rows.map((p) => ({
+    id: p.id,
+    amount: p.amount,
+    currency: p.currency,
+    status: p.status,
+    heldUntil: p.heldUntil,
+    releasedAt: p.releasedAt,
+    paidAt: p.paidAt,
+    cancelledAt: p.cancelledAt,
+    bankName: p.bankName,
+    bankAccountNumber: p.bankAccountNumber,
+    bankAccountName: p.bankAccountName,
+    adminNote: p.adminNote,
+    createdAt: p.createdAt,
+    trip: p.trip,
+    organizer: p.organizer,
+    booking: {
+      id: p.booking.id,
+      amount: p.booking.amount,
+      status: p.booking.status,
+      user: p.booking.user,
+    },
+    processedBy: p.processedBy,
+  }));
+
+  return (
+    <div className="mx-auto max-w-4xl px-4 py-8 sm:py-12">
+      <header className="mb-6">
+        <h1 className="text-2xl font-bold text-neutral-900 sm:text-3xl">
+          Payout Organizer
+        </h1>
+        <p className="mt-1 text-sm text-neutral-500">
+          Uang peserta ditahan (escrow) sampai trip selesai + 3 hari. Setelah
+          status <strong>Siap transfer</strong>, admin transfer manual ke
+          rekening organizer lalu tandai sudah dibayar.
+        </p>
+      </header>
+
+      <div className="mb-6 flex flex-wrap gap-2">
+        {TABS.map((t) => (
+          <a
+            key={t.key}
+            href={`/admin/payouts?tab=${t.key}`}
+            className={`rounded-full px-4 py-1.5 text-sm font-semibold transition-colors ${
+              tab === t.key
+                ? "bg-primary-600 text-white"
+                : "bg-neutral-100 text-neutral-600 hover:bg-neutral-200"
+            }`}
+          >
+            {t.label}
+          </a>
+        ))}
+      </div>
+
+      {items.length === 0 ? (
+        <div className="rounded-2xl border border-dashed border-neutral-300 bg-white p-10 text-center">
+          <p className="text-sm text-neutral-500">Tidak ada payout pada status ini.</p>
+        </div>
+      ) : (
+        <div className="space-y-4">
+          {items.map((p) => (
+            <PayoutReviewCard key={p.id} payout={p} />
+          ))}
+        </div>
+      )}
+    </div>
+  );
+}
diff --git a/app/api/cron/auto-complete-trips/route.ts b/app/api/cron/auto-complete-trips/route.ts
index 41aa448..f2c03f7 100644
--- a/app/api/cron/auto-complete-trips/route.ts
+++ b/app/api/cron/auto-complete-trips/route.ts
@@ -1,5 +1,6 @@
 import { NextRequest, NextResponse } from "next/server";
 import { tripService } from "@/server/services/trip.service";
+import { payoutService } from "@/server/services/payout.service";
 
 export const runtime = "nodejs";
 export const dynamic = "force-dynamic";
@@ -31,14 +32,19 @@ export async function GET(req: NextRequest) {
 
   try {
     const result = await tripService.autoCompletePastTrips();
+    // Setelah trip COMPLETED, payout yang sudah lewat heldUntil di-release
+    // supaya admin bisa langsung transfer ke organizer. Idempotent.
+    const releaseResult = await payoutService.releaseEligible();
     console.log("[cron/auto-complete-trips] selesai", {
-      count: result.count,
+      completed: result.count,
       ids: result.ids,
+      payoutsReleased: releaseResult.releasedIds.length,
     });
     return NextResponse.json({
       ok: true,
       completed: result.count,
       ids: result.ids,
+      payoutsReleased: releaseResult.releasedIds,
     });
   } catch (err) {
     console.error("[cron/auto-complete-trips] gagal", err);
diff --git a/app/layout.tsx b/app/layout.tsx
index d13a9a6..322fbb6 100644
--- a/app/layout.tsx
+++ b/app/layout.tsx
@@ -1,8 +1,6 @@
 import type { Metadata } from "next";
 import { Geist, Geist_Mono } from "next/font/google";
 import { SessionProvider } from "@/components/providers/session-provider";
-import { Navbar } from "@/components/shared/navbar";
-import { ProfileNudgeBanner } from "@/components/shared/profile-nudge-banner";
 import { siteConfig, siteUrl } from "@/lib/site";
 import "./globals.css";
 
@@ -79,11 +77,7 @@ export default function RootLayout({
       className={`${geistSans.variable} ${geistMono.variable} h-full antialiased`}
     >
       <body className="flex min-h-full flex-col bg-neutral-50">
-        <SessionProvider>
-          <Navbar />
-          <ProfileNudgeBanner />
-          <main className="flex-1">{children}</main>
-        </SessionProvider>
+        <SessionProvider>{children}</SessionProvider>
       </body>
     </html>
   );
diff --git a/components/admin/admin-sidebar.tsx b/components/admin/admin-sidebar.tsx
new file mode 100644
index 0000000..89db5ef
--- /dev/null
+++ b/components/admin/admin-sidebar.tsx
@@ -0,0 +1,162 @@
+"use client";
+
+import { useState } from "react";
+import Link from "next/link";
+import { usePathname } from "next/navigation";
+import Image from "next/image";
+import { signOut } from "next-auth/react";
+
+const NAV_ITEMS: { href: string; label: string; icon: string }[] = [
+  { href: "/admin", label: "Dashboard", icon: "📊" },
+  { href: "/admin/verifications", label: "Verifikasi", icon: "🪪" },
+  { href: "/admin/refunds", label: "Refund", icon: "↩️" },
+  { href: "/admin/payouts", label: "Payout", icon: "💸" },
+];
+
+interface AdminSidebarProps {
+  user: { name: string; email: string };
+}
+
+export function AdminSidebar({ user }: AdminSidebarProps) {
+  const pathname = usePathname();
+  const [open, setOpen] = useState(false);
+
+  return (
+    <>
+      {/* Mobile top bar */}
+      <header className="sticky top-0 z-30 flex h-14 items-center justify-between border-b border-neutral-200 bg-white px-4 lg:hidden">
+        <Link href="/admin" className="flex items-center gap-2">
+          <Image
+            src="/images/SeTrip.png"
+            alt=""
+            width={28}
+            height={28}
+            className="h-7 w-7 object-contain"
+          />
+          <span className="text-sm font-bold text-neutral-800">
+            SeTrip <span className="text-primary-600">Admin</span>
+          </span>
+        </Link>
+        <button
+          type="button"
+          onClick={() => setOpen((v) => !v)}
+          className="flex h-9 w-9 items-center justify-center rounded-lg text-neutral-600 hover:bg-neutral-100"
+          aria-label="Toggle menu"
+          aria-expanded={open}
+        >
+          {open ? (
+            <svg width="20" height="20" viewBox="0 0 20 20" fill="none" stroke="currentColor" strokeWidth="2" strokeLinecap="round">
+              <path d="M5 5l10 10M15 5L5 15" />
+            </svg>
+          ) : (
+            <svg width="20" height="20" viewBox="0 0 20 20" fill="none" stroke="currentColor" strokeWidth="2" strokeLinecap="round">
+              <path d="M3 5h14M3 10h14M3 15h14" />
+            </svg>
+          )}
+        </button>
+      </header>
+
+      {/* Mobile drawer backdrop */}
+      {open && (
+        <button
+          type="button"
+          aria-label="Tutup menu"
+          onClick={() => setOpen(false)}
+          className="fixed inset-0 z-30 bg-neutral-900/30 lg:hidden"
+        />
+      )}
+
+      {/* Sidebar */}
+      <aside
+        className={`fixed inset-y-0 left-0 z-40 flex w-64 flex-col border-r border-neutral-200 bg-white transition-transform lg:sticky lg:top-0 lg:h-screen lg:translate-x-0 ${
+          open ? "translate-x-0" : "-translate-x-full"
+        }`}
+      >
+        <div className="flex h-16 items-center gap-2.5 border-b border-neutral-200 px-5">
+          <Image
+            src="/images/SeTrip.png"
+            alt=""
+            width={32}
+            height={32}
+            className="h-8 w-8 object-contain"
+          />
+          <div className="leading-tight">
+            <p className="text-base font-bold text-neutral-800">
+              SeTrip
+            </p>
+            <p className="text-[10px] font-semibold uppercase tracking-wider text-primary-600">
+              Admin Panel
+            </p>
+          </div>
+        </div>
+
+        <nav className="flex-1 overflow-y-auto p-3">
+          <ul className="space-y-1">
+            {NAV_ITEMS.map((item) => {
+              const isActive =
+                pathname === item.href ||
+                (item.href !== "/admin" && pathname?.startsWith(item.href));
+              return (
+                <li key={item.href}>
+                  <Link
+                    href={item.href}
+                    onClick={() => setOpen(false)}
+                    className={`flex items-center gap-3 rounded-lg px-3 py-2 text-sm font-medium transition-colors ${
+                      isActive
+                        ? "bg-primary-600 text-white"
+                        : "text-neutral-700 hover:bg-neutral-100"
+                    }`}
+                  >
+                    <span aria-hidden className="text-base">
+                      {item.icon}
+                    </span>
+                    <span>{item.label}</span>
+                  </Link>
+                </li>
+              );
+            })}
+          </ul>
+
+          <div className="my-4 border-t border-neutral-100" />
+
+          <ul className="space-y-1">
+            <li>
+              <Link
+                href="/"
+                onClick={() => setOpen(false)}
+                className="flex items-center gap-3 rounded-lg px-3 py-2 text-xs font-medium text-neutral-500 hover:bg-neutral-100 hover:text-neutral-700"
+              >
+                <span aria-hidden>↩</span>
+                <span>Lihat situs publik</span>
+              </Link>
+            </li>
+          </ul>
+        </nav>
+
+        <div className="border-t border-neutral-100 p-3">
+          <div className="flex items-center gap-2 rounded-lg px-2 py-2">
+            <div className="flex h-8 w-8 shrink-0 items-center justify-center rounded-full bg-primary-600 text-xs font-bold text-white">
+              {user.name.charAt(0).toUpperCase()}
+            </div>
+            <div className="min-w-0 flex-1">
+              <p className="truncate text-xs font-semibold text-neutral-800">
+                {user.name}
+              </p>
+              <p className="truncate text-[10px] text-neutral-500">
+                {user.email}
+              </p>
+            </div>
+            <button
+              type="button"
+              onClick={() => signOut({ callbackUrl: "/" })}
+              className="rounded-lg px-2 py-1 text-[11px] font-medium text-neutral-500 hover:bg-red-50 hover:text-red-600"
+              title="Keluar"
+            >
+              Keluar
+            </button>
+          </div>
+        </div>
+      </aside>
+    </>
+  );
+}
diff --git a/components/shared/footer.tsx b/components/shared/footer.tsx
new file mode 100644
index 0000000..18eeb5c
--- /dev/null
+++ b/components/shared/footer.tsx
@@ -0,0 +1,82 @@
+import Link from "next/link";
+import { siteConfig } from "@/lib/site";
+
+const LEGAL_LINKS = [
+  { href: "/terms", label: "Syarat & Ketentuan" },
+  { href: "/privacy", label: "Kebijakan Privasi" },
+] as const;
+
+const EXPLORE_LINKS = [
+  { href: "/trips", label: "Open Trip" },
+  { href: "/people", label: "Cari Teman" },
+  { href: "/create-trip", label: "Buat Trip" },
+] as const;
+
+export function Footer() {
+  const year = new Date().getFullYear();
+  return (
+    <footer className="mt-12 border-t border-neutral-200 bg-white">
+      <div className="mx-auto max-w-6xl px-4 py-8 sm:py-10">
+        <div className="grid gap-8 sm:grid-cols-3">
+          <div>
+            <Link href="/" className="inline-flex items-center gap-2">
+              <span className="text-lg font-bold text-neutral-800">
+                Se<span className="text-primary-600">Trip</span>
+              </span>
+            </Link>
+            <p className="mt-2 max-w-xs text-xs text-neutral-500">
+              {siteConfig.slogan} Gabung trip & aktivitas, kenal stranger jadi
+              travel buddies.
+            </p>
+          </div>
+
+          <div>
+            <p className="mb-3 text-xs font-semibold uppercase tracking-wide text-neutral-500">
+              Jelajah
+            </p>
+            <ul className="space-y-2 text-sm">
+              {EXPLORE_LINKS.map((l) => (
+                <li key={l.href}>
+                  <Link
+                    href={l.href}
+                    className="text-neutral-600 hover:text-primary-700"
+                  >
+                    {l.label}
+                  </Link>
+                </li>
+              ))}
+            </ul>
+          </div>
+
+          <div>
+            <p className="mb-3 text-xs font-semibold uppercase tracking-wide text-neutral-500">
+              Kebijakan
+            </p>
+            <ul className="space-y-2 text-sm">
+              {LEGAL_LINKS.map((l) => (
+                <li key={l.href}>
+                  <Link
+                    href={l.href}
+                    className="text-neutral-600 hover:text-primary-700"
+                  >
+                    {l.label}
+                  </Link>
+                </li>
+              ))}
+            </ul>
+          </div>
+        </div>
+
+        <div className="mt-8 flex flex-col items-start justify-between gap-2 border-t border-neutral-100 pt-4 text-xs text-neutral-500 sm:flex-row sm:items-center">
+          <p>
+            © {year} {siteConfig.name}. Pergi bareng, bukan sendiri.
+          </p>
+          <p className="text-[11px] text-neutral-400">
+            Pembayaran ditahan (escrow) sampai trip selesai · refund manual oleh
+            admin
+          </p>
+        </div>
+      </div>
+    </footer>
+  );
+}
diff --git a/features/payout/actions.ts b/features/payout/actions.ts
new file mode 100644
index 0000000..90dc114
--- /dev/null
+++ b/features/payout/actions.ts
@@ -0,0 +1,43 @@
+"use server";
+
+import { getServerSession } from "next-auth";
+import { revalidatePath } from "next/cache";
+import { authOptions } from "@/lib/auth";
+import { isAdminEmail } from "@/lib/admin";
+import { payoutService } from "@/server/services/payout.service";
+import { payoutMarkPaidSchema } from "./schemas";
+
+async function requireAdmin() {
+  const session = await getServerSession(authOptions);
+  if (!session?.user || !isAdminEmail(session.user.email)) {
+    return null;
+  }
+  return session.user;
+}
+
+export async function markPayoutPaidAction(formData: FormData) {
+  const admin = await requireAdmin();
+  if (!admin) return { error: "Tidak memiliki akses admin" };
+
+  const parsed = payoutMarkPaidSchema.safeParse({
+    payoutId: formData.get("payoutId") as string,
+    adminNote: (formData.get("adminNote") as string) ?? "",
+  });
+  if (!parsed.success) {
+    return { error: parsed.error.issues[0].message };
+  }
+
+  try {
+    await payoutService.markPaid({
+      payoutId: parsed.data.payoutId,
+      adminId: admin.id,
+      adminNote: parsed.data.adminNote,
+    });
+    revalidatePath("/admin/payouts");
+    revalidatePath("/admin");
+    revalidatePath("/profile");
+    return { success: true };
+  } catch (err) {
+    return { error: (err as Error).message };
+  }
+}
diff --git a/features/payout/components/earnings-section.tsx b/features/payout/components/earnings-section.tsx
new file mode 100644
index 0000000..5027db3
--- /dev/null
+++ b/features/payout/components/earnings-section.tsx
@@ -0,0 +1,161 @@
+import Link from "next/link";
+import { formatRupiah } from "@/lib/utils";
+
+type PayoutStatus = "HELD" | "RELEASED" | "PAID" | "CANCELLED";
+
+interface EarningRow {
+  id: string;
+  amount: number;
+  status: PayoutStatus;
+  heldUntil: Date;
+  releasedAt: Date | null;
+  paidAt: Date | null;
+  cancelledAt: Date | null;
+  trip: { id: string; title: string; date: Date; endDate: Date | null };
+  booking: {
+    id: string;
+    amount: number;
+    user: { id: string; name: string };
+  };
+}
+
+interface EarningsSectionProps {
+  payouts: EarningRow[];
+}
+
+function formatDay(d: Date | null | string): string {
+  if (!d) return "—";
+  return new Date(d).toLocaleDateString("id-ID", {
+    day: "2-digit",
+    month: "short",
+    year: "numeric",
+  });
+}
+
+const STATUS_META: Record<
+  PayoutStatus,
+  { label: string; cls: string; hint: (row: EarningRow) => string }
+> = {
+  HELD: {
+    label: "Ditahan",
+    cls: "bg-amber-50 text-amber-700 ring-amber-200",
+    hint: (r) => `Cair setelah ${formatDay(r.heldUntil)}`,
+  },
+  RELEASED: {
+    label: "Siap transfer",
+    cls: "bg-blue-50 text-blue-700 ring-blue-200",
+    hint: (r) =>
+      r.releasedAt
+        ? `Antri admin transfer sejak ${formatDay(r.releasedAt)}`
+        : "Antri admin transfer",
+  },
+  PAID: {
+    label: "Diterima",
+    cls: "bg-primary-50 text-primary-700 ring-primary-200",
+    hint: (r) =>
+      r.paidAt ? `Ditransfer ${formatDay(r.paidAt)}` : "Sudah ditransfer admin",
+  },
+  CANCELLED: {
+    label: "Dibatalkan",
+    cls: "bg-neutral-100 text-neutral-600 ring-neutral-200",
+    hint: () => "Trip dibatalkan / di-refund — tidak ada payout",
+  },
+};
+
+export function EarningsSection({ payouts }: EarningsSectionProps) {
+  if (payouts.length === 0) return null;
+
+  const totals = {
+    held: 0,
+    released: 0,
+    paid: 0,
+  };
+  for (const p of payouts) {
+    if (p.status === "HELD") totals.held += p.amount;
+    else if (p.status === "RELEASED") totals.released += p.amount;
+    else if (p.status === "PAID") totals.paid += p.amount;
+  }
+
+  return (
+    <section className="mb-8 rounded-2xl border border-neutral-200 bg-white p-5 shadow-sm sm:p-6">
+      <header className="mb-4">
+        <h2 className="text-base font-bold text-neutral-800 sm:text-lg">
+          Pendapatan dari peserta
+        </h2>
+        <p className="mt-0.5 text-xs text-neutral-500">
+          Uang peserta ditahan oleh SeTrip (escrow) sampai trip selesai + 3 hari,
+          lalu admin transfer ke rekening bank yang kamu daftarkan.
+        </p>
+      </header>
+
+      <div className="mb-5 grid grid-cols-3 gap-2 text-xs sm:text-sm">
+        <Stat label="Ditahan" value={totals.held} accent="amber" />
+        <Stat label="Siap transfer" value={totals.released} accent="blue" />
+        <Stat label="Sudah diterima" value={totals.paid} accent="primary" />
+      </div>
+
+      <ul className="divide-y divide-neutral-100">
+        {payouts.map((p) => {
+          const meta = STATUS_META[p.status];
+          return (
+            <li
+              key={p.id}
+              className="flex flex-wrap items-start justify-between gap-3 py-3"
+            >
+              <div className="min-w-0 flex-1">
+                <Link
+                  href={`/trips/${p.trip.id}`}
+                  className="block truncate text-sm font-semibold text-neutral-800 hover:text-primary-700"
+                >
+                  {p.trip.title}
+                </Link>
+                <p className="truncate text-xs text-neutral-500">
+                  {p.booking.user.name} · trip {formatDay(p.trip.date)}
+                </p>
+                <p className="mt-1 text-[11px] text-neutral-500">
+                  {meta.hint(p)}
+                </p>
+              </div>
+              <div className="flex shrink-0 flex-col items-end gap-1">
+                <span className="text-sm font-bold text-neutral-900">
+                  {formatRupiah(p.amount)}
+                </span>
+                <span
+                  className={`inline-flex items-center rounded-full px-2 py-0.5 text-[10px] font-semibold ring-1 ${meta.cls}`}
+                >
+                  {meta.label}
+                </span>
+              </div>
+            </li>
+          );
+        })}
+      </ul>
+    </section>
+  );
+}
+
+function Stat({
+  label,
+  value,
+  accent,
+}: {
+  label: string;
+  value: number;
+  accent: "amber" | "blue" | "primary";
+}) {
+  const cls = {
+    amber: "bg-amber-50 text-amber-900",
+    blue: "bg-blue-50 text-blue-900",
+    primary: "bg-primary-50 text-primary-900",
+  }[accent];
+  return (
+    <div className={`rounded-xl px-3 py-2 ${cls}`}>
+      <p className="text-[10px] font-semibold uppercase tracking-wide opacity-70">
+        {label}
+      </p>
+      <p className="mt-0.5 text-sm font-bold sm:text-base">
+        {formatRupiah(value)}
+      </p>
+    </div>
+  );
+}
diff --git a/features/payout/components/payout-review-card.tsx b/features/payout/components/payout-review-card.tsx
new file mode 100644
index 0000000..5bff0a3
--- /dev/null
+++ b/features/payout/components/payout-review-card.tsx
@@ -0,0 +1,271 @@
+"use client";
+
+import { useState } from "react";
+import { useRouter } from "next/navigation";
+import { markPayoutPaidAction } from "@/features/payout/actions";
+import { formatRupiah } from "@/lib/utils";
+
+type PayoutStatus = "HELD" | "RELEASED" | "PAID" | "CANCELLED";
+
+export type PayoutCardData = {
+  id: string;
+  amount: number;
+  currency: string;
+  status: PayoutStatus;
+  heldUntil: Date;
+  releasedAt: Date | null;
+  paidAt: Date | null;
+  cancelledAt: Date | null;
+  bankName: string | null;
+  bankAccountNumber: string | null;
+  bankAccountName: string | null;
+  adminNote: string | null;
+  createdAt: Date;
+  trip: { id: string; title: string; date: Date; endDate: Date | null; status: string };
+  organizer: { id: string; name: string; email: string };
+  booking: {
+    id: string;
+    amount: number;
+    status: string;
+    user: { id: string; name: string; email: string };
+  };
+  processedBy: { id: string; name: string; email: string } | null;
+};
+
+function formatDate(d: Date | null | string): string {
+  if (!d) return "—";
+  return new Date(d).toLocaleString("id-ID", {
+    day: "2-digit",
+    month: "short",
+    year: "numeric",
+    hour: "2-digit",
+    minute: "2-digit",
+  });
+}
+
+function formatDay(d: Date | null | string): string {
+  if (!d) return "—";
+  return new Date(d).toLocaleDateString("id-ID", {
+    day: "2-digit",
+    month: "short",
+    year: "numeric",
+  });
+}
+
+export function PayoutReviewCard({ payout }: { payout: PayoutCardData }) {
+  const router = useRouter();
+  const [open, setOpen] = useState(false);
+  const [note, setNote] = useState("");
+  const [error, setError] = useState("");
+  const [loading, setLoading] = useState(false);
+
+  async function submit() {
+    setError("");
+    setLoading(true);
+    const fd = new FormData();
+    fd.set("payoutId", payout.id);
+    fd.set("adminNote", note);
+    const result = await markPayoutPaidAction(fd);
+    setLoading(false);
+    if (result.error) {
+      setError(result.error);
+      return;
+    }
+    setOpen(false);
+    setNote("");
+    router.refresh();
+  }
+
+  const bankAvailable =
+    payout.bankName && payout.bankAccountNumber && payout.bankAccountName;
+
+  return (
+    <article className="rounded-2xl border border-neutral-200 bg-white p-5 shadow-sm sm:p-6">
+      <header className="flex flex-wrap items-start justify-between gap-3 border-b border-neutral-100 pb-4">
+        <div className="min-w-0">
+          <h3 className="truncate text-base font-bold text-neutral-900">
+            {payout.trip.title}
+          </h3>
+          <p className="mt-0.5 text-xs text-neutral-500">
+            Booking {payout.booking.user.name} · trip{" "}
+            {formatDay(payout.trip.date)}
+            {" · "}
+            <span className="font-mono">{payout.id.slice(0, 8)}…</span>
+          </p>
+        </div>
+        <StatusPill status={payout.status} />
+      </header>
+
+      <div className="mt-4 grid gap-4 sm:grid-cols-2">
+        <Field
+          label="Organizer"
+          value={`${payout.organizer.name} · ${payout.organizer.email}`}
+        />
+        <Field
+          label="Nominal payout"
+          value={`${formatRupiah(payout.amount)} ${payout.currency !== "IDR" ? `(${payout.currency})` : ""}`}
+          highlight
+        />
+        <Field label="Booking" value={`${formatRupiah(payout.booking.amount)} · ${payout.booking.status}`} />
+        <Field
+          label="Hold sampai"
+          value={formatDay(payout.heldUntil)}
+        />
+        {payout.releasedAt && (
+          <Field label="Direlease" value={formatDate(payout.releasedAt)} />
+        )}
+        {payout.paidAt && (
+          <Field label="Dibayar" value={formatDate(payout.paidAt)} />
+        )}
+        {payout.cancelledAt && (
+          <Field label="Dibatalkan" value={formatDate(payout.cancelledAt)} />
+        )}
+      </div>
+
+      <div className="mt-4 rounded-xl bg-neutral-50 p-3 text-sm">
+        <p className="mb-1 text-xs font-semibold uppercase tracking-wide text-neutral-500">
+          Rekening tujuan transfer
+        </p>
+        {bankAvailable ? (
+          <div className="space-y-0.5 text-neutral-800">
+            <p className="font-semibold">{payout.bankName}</p>
+            <p className="font-mono text-sm">{payout.bankAccountNumber}</p>
+            <p className="text-xs text-neutral-600">
+              a/n {payout.bankAccountName}
+            </p>
+          </div>
+        ) : (
+          <p className="text-amber-700">
+            ⚠️ Organizer belum menyelesaikan verifikasi (KYC) — tidak ada rekening
+            snapshot. Hubungi organizer untuk konfirmasi rekening sebelum transfer.
+          </p>
+        )}
+      </div>
+
+      {payout.adminNote && (
+        <div className="mt-3 rounded-xl bg-blue-50 p-3 text-sm text-blue-800">
+          <p className="mb-1 text-xs font-semibold uppercase tracking-wide text-blue-600">
+            Catatan admin
+          </p>
+          <p className="whitespace-pre-wrap">{payout.adminNote}</p>
+        </div>
+      )}
+
+      {payout.processedBy && (
+        <p className="mt-3 text-xs text-neutral-500">
+          Diproses oleh {payout.processedBy.name}
+          {payout.paidAt && ` · transfer ${formatDate(payout.paidAt)}`}
+        </p>
+      )}
+
+      {payout.status === "RELEASED" && (
+        <div className="mt-5 border-t border-neutral-100 pt-4">
+          {error && (
+            <div className="mb-3 rounded-lg bg-red-50 px-3 py-2 text-xs text-red-600">
+              {error}
+            </div>
+          )}
+          {open ? (
+            <div className="space-y-2">
+              <p className="text-xs font-semibold uppercase tracking-wide text-neutral-600">
+                Tandai Sudah Transfer
+              </p>
+              <textarea
+                value={note}
+                onChange={(e) => setNote(e.target.value)}
+                rows={2}
+                placeholder="Referensi transfer / nomor mutasi bank (wajib)"
+                className="w-full rounded-xl border border-neutral-200 bg-neutral-50 px-3 py-2 text-sm focus:bg-white"
+              />
+              <div className="flex gap-2">
+                <button
+                  type="button"
+                  onClick={submit}
+                  disabled={loading || note.trim().length < 3}
+                  className="rounded-xl bg-primary-600 px-4 py-2 text-sm font-bold text-white hover:bg-primary-700 disabled:opacity-50"
+                >
+                  {loading ? "Memproses…" : "Tandai PAID"}
+                </button>
+                <button
+                  type="button"
+                  onClick={() => {
+                    setOpen(false);
+                    setNote("");
+                    setError("");
+                  }}
+                  disabled={loading}
+                  className="rounded-xl border border-neutral-200 bg-white px-4 py-2 text-sm font-medium text-neutral-600 hover:bg-neutral-50 disabled:opacity-50"
+                >
+                  Batal
+                </button>
+              </div>
+            </div>
+          ) : (
+            <button
+              type="button"
+              onClick={() => setOpen(true)}
+              disabled={loading}
+              className="rounded-xl bg-primary-600 px-4 py-2 text-sm font-bold text-white hover:bg-primary-700 disabled:opacity-50"
+            >
+              💸 Tandai sudah ditransfer ke organizer
+            </button>
+          )}
+        </div>
+      )}
+    </article>
+  );
+}
+
+function Field({
+  label,
+  value,
+  highlight,
+}: {
+  label: string;
+  value: string;
+  highlight?: boolean;
+}) {
+  return (
+    <div>
+      <p className="text-xs font-semibold uppercase tracking-wide text-neutral-500">
+        {label}
+      </p>
+      <p
+        className={`mt-0.5 text-sm ${
+          highlight ? "font-bold text-primary-700" : "text-neutral-800"
+        }`}
+      >
+        {value}
+      </p>
+    </div>
+  );
+}
+
+function StatusPill({ status }: { status: PayoutStatus }) {
+  const cfg: Record<PayoutStatus, { label: string; cls: string }> = {
+    HELD: {
+      label: "Ditahan (escrow)",
+      cls: "bg-amber-50 text-amber-700 ring-amber-200",
+    },
+    RELEASED: {
+      label: "Siap transfer",
+      cls: "bg-blue-50 text-blue-700 ring-blue-200",
+    },
+    PAID: {
+      label: "Selesai",
+      cls: "bg-primary-50 text-primary-700 ring-primary-200",
+    },
+    CANCELLED: {
+      label: "Dibatalkan",
+      cls: "bg-neutral-100 text-neutral-600 ring-neutral-200",
+    },
+  };
+  const c = cfg[status];
+  return (
+    <span
+      className={`inline-flex items-center rounded-full px-2.5 py-0.5 text-xs font-semibold ring-1 ${c.cls}`}
+    >
+      {c.label}
+    </span>
+  );
+}
diff --git a/features/payout/schemas.ts b/features/payout/schemas.ts
new file mode 100644
index 0000000..8c9e993
--- /dev/null
+++ b/features/payout/schemas.ts
@@ -0,0 +1,16 @@
+import { z } from "zod/v4";
+import { LIMITS } from "@/lib/limits";
+
+export const payoutMarkPaidSchema = z.object({
+  payoutId: z.string().trim().min(1, "Payout ID wajib"),
+  adminNote: z
+    .string()
+    .trim()
+    .min(3, "Catatan/referensi transfer minimal 3 karakter")
+    .max(
+      LIMITS.MAX_REFUND_NOTE_LENGTH,
+      `Catatan maksimal ${LIMITS.MAX_REFUND_NOTE_LENGTH} karakter`
+    ),
+});
+
+export type PayoutMarkPaidInput = z.infer<typeof payoutMarkPaidSchema>;
diff --git a/lib/auth.ts b/lib/auth.ts
index 74bbec6..5f796dc 100644
--- a/lib/auth.ts
+++ b/lib/auth.ts
@@ -4,6 +4,7 @@ import GoogleProvider from "next-auth/providers/google";
 import { PrismaAdapter } from "@next-auth/prisma-adapter";
 import bcrypt from "bcryptjs";
 import { prisma } from "@/lib/prisma";
+import { isAdminEmail } from "@/lib/admin";
 
 // Adapter dipakai untuk persist User + Account saat OAuth (Google).
 // Session tetap pakai JWT supaya kompatibel dengan CredentialsProvider.
@@ -89,6 +90,7 @@ export const authOptions: AuthOptions = {
       if (session.user) {
         session.user.id = token.id as string;
         session.user.acceptedTermsAndPrivacy = token.acceptedTermsAndPrivacy ?? false;
+        session.user.isAdmin = isAdminEmail(session.user.email);
       }
       return session;
     },
diff --git a/prisma/migrations/20260511_add_payout_model/migration.sql b/prisma/migrations/20260511_add_payout_model/migration.sql
new file mode 100644
index 0000000..b86ade1
--- /dev/null
+++ b/prisma/migrations/20260511_add_payout_model/migration.sql
@@ -0,0 +1,47 @@
+-- CreateEnum
+CREATE TYPE "PayoutStatus" AS ENUM ('HELD', 'RELEASED', 'PAID', 'CANCELLED');
+
+-- CreateTable
+CREATE TABLE "Payout" (
+    "id" TEXT NOT NULL,
+    "bookingId" TEXT NOT NULL,
+    "tripId" TEXT NOT NULL,
+    "organizerId" TEXT NOT NULL,
+    "amount" INTEGER NOT NULL,
+    "currency" TEXT NOT NULL DEFAULT 'IDR',
+    "status" "PayoutStatus" NOT NULL DEFAULT 'HELD',
+    "heldUntil" TIMESTAMP(3) NOT NULL,
+    "releasedAt" TIMESTAMP(3),
+    "paidAt" TIMESTAMP(3),
+    "cancelledAt" TIMESTAMP(3),
+    "bankName" TEXT,
+    "bankAccountNumber" TEXT,
+    "bankAccountName" TEXT,
+    "adminNote" TEXT,
+    "processedById" TEXT,
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    "updatedAt" TIMESTAMP(3) NOT NULL,
+
+    CONSTRAINT "Payout_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateIndex
+CREATE UNIQUE INDEX "Payout_bookingId_key" ON "Payout"("bookingId");
+
+-- CreateIndex
+CREATE INDEX "Payout_organizerId_status_idx" ON "Payout"("organizerId", "status");
+
+-- CreateIndex
+CREATE INDEX "Payout_status_heldUntil_idx" ON "Payout"("status", "heldUntil");
+
+-- AddForeignKey
+ALTER TABLE "Payout" ADD CONSTRAINT "Payout_bookingId_fkey" FOREIGN KEY ("bookingId") REFERENCES "Booking"("id") ON DELETE RESTRICT ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Payout" ADD CONSTRAINT "Payout_tripId_fkey" FOREIGN KEY ("tripId") REFERENCES "Trip"("id") ON DELETE RESTRICT ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Payout" ADD CONSTRAINT "Payout_organizerId_fkey" FOREIGN KEY ("organizerId") REFERENCES "User"("id") ON DELETE RESTRICT ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Payout" ADD CONSTRAINT "Payout_processedById_fkey" FOREIGN KEY ("processedById") REFERENCES "User"("id") ON DELETE SET NULL ON UPDATE CASCADE;
diff --git a/prisma/schema.prisma b/prisma/schema.prisma
index cf84fb8..ce3113d 100644
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -34,6 +34,11 @@ model User {
 
   reviewedRefunds Refund[] @relation("RefundReviewer")
 
+  /// Payout yang diterima user ini sebagai organizer (escrow trip selesai).
+  payouts          Payout[] @relation("PayoutOrganizer")
+  /// Payout yang ditandai admin sebagai PAID/CANCELLED oleh user ini.
+  processedPayouts Payout[] @relation("PayoutProcessor")
+
   profile UserProfile?
 }
 
@@ -161,6 +166,7 @@ model Trip {
   images       TripImage[]
   reviews      TripReview[]
   bookings     Booking[]
+  payouts      Payout[]
 
   @@index([category, status, date])
   @@index([vibe, status, date])
@@ -261,6 +267,7 @@ model Booking {
 
   payments Payment[]
   refunds  Refund[]
+  payout   Payout?
 
   createdAt DateTime @default(now())
   updatedAt DateTime @updatedAt
@@ -436,3 +443,71 @@ enum RefundReporter {
   PARTICIPANT
   ORGANIZER
 }
+
+/// Escrow payout ke organizer. Uang peserta ditahan sejak Booking → PAID sampai
+/// trip selesai + buffer beberapa hari, baru di-release untuk ditransfer admin.
+///
+/// State machine:
+///   HELD       → diciptakan saat booking PAID, heldUntil = endDate/date + 3 hari
+///   RELEASED   → cron flip setelah heldUntil lewat + trip COMPLETED
+///   PAID       → admin sudah transfer manual ke rekening organizer
+///   CANCELLED  → booking di-refund / trip dibatalkan; payout tidak jadi
+///
+/// Audit: 1-1 dengan Booking (unique). Refund SUCCEEDED mengurangi amount
+/// (partial) atau membatalkan payout (full).
+model Payout {
+  id          String  @id @default(cuid())
+  bookingId   String  @unique
+  booking     Booking @relation(fields: [bookingId], references: [id], onDelete: Restrict)
+
+  tripId      String
+  trip        Trip    @relation(fields: [tripId], references: [id])
+
+  organizerId String
+  organizer   User    @relation("PayoutOrganizer", fields: [organizerId], references: [id])
+
+  /// Nominal yg organizer terima (IDR integer). Default = booking.amount saat
+  /// payout dibuat. Refund SUCCEEDED memotong nilai ini supaya total payout +
+  /// total refund = uang yang dibayar peserta.
+  amount   Int
+  currency String @default("IDR")
+
+  status PayoutStatus @default(HELD)
+
+  /// Tanggal payout boleh di-release ke organizer
+  /// (= trip.endDate ?? trip.date + buffer days).
+  heldUntil   DateTime
+  releasedAt  DateTime?
+  paidAt      DateTime?
+  cancelledAt DateTime?
+
+  /// Snapshot bank info organizer dari OrganizerVerification saat payout dibuat.
+  /// Disimpan inline supaya audit-friendly walau organizer ganti bank nanti.
+  bankName          String?
+  bankAccountNumber String?
+  bankAccountName   String?
+
+  /// Catatan admin: referensi transfer manual, alasan cancel, dst.
+  adminNote String?
+
+  /// Admin yang menandai PAID/CANCELLED.
+  processedById String?
+  processedBy   User?   @relation("PayoutProcessor", fields: [processedById], references: [id])
+
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+
+  @@index([organizerId, status])
+  @@index([status, heldUntil])
+}
+
+enum PayoutStatus {
+  /// Menunggu trip selesai + buffer beberapa hari sebelum boleh ditransfer.
+  HELD
+  /// Buffer lewat & trip COMPLETED, siap di-transfer admin ke rekening organizer.
+  RELEASED
+  /// Admin sudah transfer ke rekening organizer.
+  PAID
+  /// Booking di-refund penuh / trip dibatalkan — uang tidak jadi ke organizer.
+  CANCELLED
+}
diff --git a/server/repositories/organizer.repo.ts b/server/repositories/organizer.repo.ts
index ec8c783..849d21f 100644
--- a/server/repositories/organizer.repo.ts
+++ b/server/repositories/organizer.repo.ts
@@ -36,6 +36,25 @@ export const organizerRepo = {
     });
   },
 
+  async countByStatus(status: "PENDING" | "APPROVED" | "REJECTED") {
+    return prisma.organizerVerification.count({ where: { status } });
+  },
+
+  /** Verifikasi terbaru (default PENDING) untuk preview di dashboard admin. */
+  async listRecent(status: "PENDING" | "APPROVED" | "REJECTED", limit = 3) {
+    return prisma.organizerVerification.findMany({
+      where: { status },
+      orderBy: { createdAt: "desc" },
+      take: limit,
+      select: {
+        id: true,
+        fullName: true,
+        createdAt: true,
+        user: { select: { id: true, name: true, email: true } },
+      },
+    });
+  },
+
   async updateReview(
     id: string,
     data: {
diff --git a/server/repositories/payout.repo.ts b/server/repositories/payout.repo.ts
new file mode 100644
index 0000000..66108ce
--- /dev/null
+++ b/server/repositories/payout.repo.ts
@@ -0,0 +1,122 @@
+import { prisma } from "@/lib/prisma";
+import { Prisma } from "@/app/generated/prisma/client";
+import type { PayoutStatus } from "@/app/generated/prisma/enums";
+
+const payoutListInclude = {
+  booking: {
+    select: {
+      id: true,
+      amount: true,
+      status: true,
+      user: { select: { id: true, name: true, email: true } },
+    },
+  },
+  trip: {
+    select: { id: true, title: true, date: true, endDate: true, status: true },
+  },
+  organizer: { select: { id: true, name: true, email: true } },
+  processedBy: { select: { id: true, name: true, email: true } },
+} satisfies Prisma.PayoutInclude;
+
+export const payoutRepo = {
+  async findById(id: string) {
+    return prisma.payout.findUnique({
+      where: { id },
+      include: payoutListInclude,
+    });
+  },
+
+  async findByBookingId(bookingId: string, tx?: Prisma.TransactionClient) {
+    const client = tx ?? prisma;
+    return client.payout.findUnique({ where: { bookingId } });
+  },
+
+  async listByStatus(status: PayoutStatus) {
+    return prisma.payout.findMany({
+      where: { status },
+      orderBy: { heldUntil: "asc" },
+      include: payoutListInclude,
+    });
+  },
+
+  async listForOrganizer(organizerId: string) {
+    return prisma.payout.findMany({
+      where: { organizerId },
+      orderBy: { createdAt: "desc" },
+      include: {
+        trip: {
+          select: { id: true, title: true, date: true, endDate: true, status: true },
+        },
+        booking: {
+          select: {
+            id: true,
+            amount: true,
+            user: { select: { id: true, name: true } },
+          },
+        },
+      },
+    });
+  },
+
+  async countByStatus(status: PayoutStatus) {
+    return prisma.payout.count({ where: { status } });
+  },
+
+  /** Payout terbaru untuk satu status — dipakai dashboard admin. */
+  async listRecent(status: PayoutStatus, limit = 3) {
+    return prisma.payout.findMany({
+      where: { status },
+      orderBy: status === "HELD" ? { heldUntil: "asc" } : { updatedAt: "desc" },
+      take: limit,
+      select: {
+        id: true,
+        amount: true,
+        heldUntil: true,
+        releasedAt: true,
+        organizer: { select: { id: true, name: true } },
+        trip: { select: { id: true, title: true } },
+      },
+    });
+  },
+
+  async create(
+    data: Pick<
+      Prisma.PayoutUncheckedCreateInput,
+      | "bookingId"
+      | "tripId"
+      | "organizerId"
+      | "amount"
+      | "heldUntil"
+      | "bankName"
+      | "bankAccountNumber"
+      | "bankAccountName"
+    >,
+    tx?: Prisma.TransactionClient
+  ) {
+    const client = tx ?? prisma;
+    return client.payout.create({ data });
+  },
+
+  async update(
+    id: string,
+    data: Prisma.PayoutUncheckedUpdateInput,
+    tx?: Prisma.TransactionClient
+  ) {
+    const client = tx ?? prisma;
+    return client.payout.update({ where: { id }, data });
+  },
+
+  /** Cari semua HELD payout yang sudah lewat heldUntil & trip-nya COMPLETED. */
+  async findEligibleForRelease(now: Date) {
+    return prisma.payout.findMany({
+      where: {
+        status: "HELD",
+        heldUntil: { lte: now },
+        trip: { status: "COMPLETED" },
+      },
+      select: { id: true },
+    });
+  },
+};
+
+export type PayoutWithRelations = Awaited<ReturnType<typeof payoutRepo.findById>>;
diff --git a/server/repositories/refund.repo.ts b/server/repositories/refund.repo.ts
index f08c83b..f548091 100644
--- a/server/repositories/refund.repo.ts
+++ b/server/repositories/refund.repo.ts
@@ -49,6 +49,36 @@ export const refundRepo = {
     });
   },
 
+  async countByStatus(
+    status: "PENDING" | "APPROVED" | "REJECTED" | "PROCESSING" | "SUCCEEDED" | "FAILED"
+  ) {
+    return prisma.refund.count({ where: { status } });
+  },
+
+  /** Refund terbaru untuk satu status — dipakai dashboard admin. */
+  async listRecent(
+    status: "PENDING" | "APPROVED" | "REJECTED" | "PROCESSING" | "SUCCEEDED" | "FAILED",
+    limit = 3
+  ) {
+    return prisma.refund.findMany({
+      where: { status },
+      orderBy: { createdAt: "desc" },
+      take: limit,
+      select: {
+        id: true,
+        amount: true,
+        reason: true,
+        createdAt: true,
+        booking: {
+          select: {
+            user: { select: { id: true, name: true } },
+            trip: { select: { id: true, title: true } },
+          },
+        },
+      },
+    });
+  },
+
   async listByBooking(bookingId: string) {
     return prisma.refund.findMany({
       where: { bookingId },
diff --git a/server/services/booking.service.ts b/server/services/booking.service.ts
index d64d436..932bad9 100644
--- a/server/services/booking.service.ts
+++ b/server/services/booking.service.ts
@@ -3,6 +3,7 @@ import { prisma } from "@/lib/prisma";
 import { bookingRepo } from "@/server/repositories/booking.repo";
 import { paymentRepo } from "@/server/repositories/payment.repo";
 import { isTripDepartureDayPast } from "@/lib/trip-dates";
+import { payoutService } from "@/server/services/payout.service";
 
 const SERIAL_TX_ATTEMPTS = 6;
 
@@ -191,6 +192,9 @@ export const bookingService = {
               data: { paymentConfirmedAt: now },
             });
 
+            // Escrow: tahan uang di Payout HELD sampai trip selesai + buffer.
+            await payoutService.createForPaidBooking(tx, { bookingId });
+
             return { ok: true as const };
           },
           {
diff --git a/server/services/payment.service.ts b/server/services/payment.service.ts
index b728300..d60ce05 100644
--- a/server/services/payment.service.ts
+++ b/server/services/payment.service.ts
@@ -8,6 +8,7 @@ import {
   type MidtransWebhookBody,
 } from "@/lib/midtrans";
 import { isTripDepartureDayPast } from "@/lib/trip-dates";
+import { payoutService } from "@/server/services/payout.service";
 
 const SERIAL_TX_ATTEMPTS = 6;
 
@@ -299,6 +300,10 @@ export const paymentService = {
                 where: { id: payment.booking.participantId },
                 data: { paymentConfirmedAt: now, markedPaidAt: now },
               });
+              // Escrow: tahan uang di Payout HELD sampai trip selesai + buffer.
+              await payoutService.createForPaidBooking(tx, {
+                bookingId: payment.bookingId,
+              });
             }
           },
           {
diff --git a/server/services/payout.service.ts b/server/services/payout.service.ts
new file mode 100644
index 0000000..d9bb13c
--- /dev/null
+++ b/server/services/payout.service.ts
@@ -0,0 +1,248 @@
+import { Prisma } from "@/app/generated/prisma/client";
+import { prisma } from "@/lib/prisma";
+import { payoutRepo } from "@/server/repositories/payout.repo";
+
+const SERIAL_TX_ATTEMPTS = 6;
+
+function isSerializationConflict(err: unknown): boolean {
+  return (
+    typeof err === "object" &&
+    err !== null &&
+    "code" in err &&
+    (err as { code: string }).code === "P2034"
+  );
+}
+
+async function runSerializable<T>(
+  fn: (tx: Prisma.TransactionClient) => Promise<T>
+): Promise<T> {
+  let lastErr: unknown;
+  for (let attempt = 0; attempt < SERIAL_TX_ATTEMPTS; attempt++) {
+    try {
+      return await prisma.$transaction(fn, {
+        isolationLevel: Prisma.TransactionIsolationLevel.Serializable,
+        maxWait: 5000,
+        timeout: 15000,
+      });
+    } catch (e) {
+      lastErr = e;
+      if (isSerializationConflict(e) && attempt < SERIAL_TX_ATTEMPTS - 1) {
+        continue;
+      }
+      throw e;
+    }
+  }
+  throw lastErr instanceof Error
+    ? lastErr
+    : new Error("Gagal memproses payout. Coba lagi sebentar.");
+}
+
+/** Buffer hari setelah trip selesai sebelum payout boleh ditransfer. */
+export const PAYOUT_HOLD_BUFFER_DAYS = 3;
+
+/** Hitung heldUntil dari trip date. Pakai endDate kalau ada, kalau tidak pakai date. */
+function computeHeldUntil(tripDate: Date, tripEndDate: Date | null): Date {
+  const baseDate = tripEndDate ?? tripDate;
+  const result = new Date(baseDate);
+  result.setUTCDate(result.getUTCDate() + PAYOUT_HOLD_BUFFER_DAYS);
+  return result;
+}
+
+export const payoutService = {
+  /**
+   * Dipanggil saat Booking → PAID (webhook Midtrans atau organizer confirm manual).
+   * Idempotent: kalau Payout untuk booking ini sudah ada, no-op (return existing).
+   *
+   * Snapshot bank info dari OrganizerVerification (kalau ada) supaya audit-friendly
+   * walau organizer ganti bank nanti.
+   */
+  async createForPaidBooking(
+    tx: Prisma.TransactionClient,
+    input: { bookingId: string }
+  ) {
+    const booking = await tx.booking.findUnique({
+      where: { id: input.bookingId },
+      select: {
+        id: true,
+        amount: true,
+        status: true,
+        userId: true,
+        trip: {
+          select: {
+            id: true,
+            organizerId: true,
+            date: true,
+            endDate: true,
+          },
+        },
+      },
+    });
+    if (!booking) {
+      throw new Error("Booking tidak ditemukan saat membuat payout");
+    }
+    if (booking.amount <= 0) {
+      // Trip gratis — tidak ada uang yang perlu di-payout.
+      return null;
+    }
+    const existing = await payoutRepo.findByBookingId(booking.id, tx);
+    if (existing) {
+      return existing;
+    }
+
+    const bankInfo = await tx.organizerVerification.findUnique({
+      where: { userId: booking.trip.organizerId },
+      select: {
+        status: true,
+        bankName: true,
+        bankAccountNumber: true,
+        bankAccountName: true,
+      },
+    });
+
+    const heldUntil = computeHeldUntil(booking.trip.date, booking.trip.endDate);
+
+    return payoutRepo.create(
+      {
+        bookingId: booking.id,
+        tripId: booking.trip.id,
+        organizerId: booking.trip.organizerId,
+        amount: booking.amount,
+        heldUntil,
+        bankName:
+          bankInfo?.status === "APPROVED" ? bankInfo.bankName : null,
+        bankAccountNumber:
+          bankInfo?.status === "APPROVED" ? bankInfo.bankAccountNumber : null,
+        bankAccountName:
+          bankInfo?.status === "APPROVED" ? bankInfo.bankAccountName : null,
+      },
+      tx
+    );
+  },
+
+  /**
+   * Cron-callable: cari semua HELD payout yang sudah lewat heldUntil & trip-nya
+   * COMPLETED, lalu flip ke RELEASED. Idempotent.
+   */
+  async releaseEligible() {
+    const now = new Date();
+    const eligible = await payoutRepo.findEligibleForRelease(now);
+    if (eligible.length === 0) {
+      return { releasedIds: [] as string[] };
+    }
+    const ids = eligible.map((p) => p.id);
+    await prisma.payout.updateMany({
+      where: { id: { in: ids }, status: "HELD" },
+      data: { status: "RELEASED", releasedAt: now },
+    });
+    return { releasedIds: ids };
+  },
+
+  /** RELEASED → PAID. Catatan/referensi transfer wajib (audit trail). */
+  async markPaid(input: { payoutId: string; adminId: string; adminNote: string }) {
+    if (!input.adminNote.trim()) {
+      throw new Error("Catatan/referensi transfer wajib diisi");
+    }
+    return runSerializable(async (tx) => {
+      const payout = await tx.payout.findUnique({
+        where: { id: input.payoutId },
+      });
+      if (!payout) {
+        throw new Error("Payout tidak ditemukan");
+      }
+      if (payout.status !== "RELEASED") {
+        throw new Error(
+          "Hanya payout RELEASED yang bisa ditandai PAID. Tunggu trip selesai + buffer."
+        );
+      }
+      return payoutRepo.update(
+        input.payoutId,
+        {
+          status: "PAID",
+          paidAt: new Date(),
+          processedById: input.adminId,
+          adminNote: input.adminNote.trim(),
+        },
+        tx
+      );
+    });
+  },
+
+  /**
+   * Cancel payout — biasanya dipanggil internal saat refund SUCCEEDED penuh
+   * atau trip dibatalkan. Tidak boleh untuk payout yang sudah PAID (uang sudah
+   * keluar ke organizer; admin perlu clawback manual).
+   */
+  async cancel(
+    tx: Prisma.TransactionClient,
+    input: { payoutId: string; reason: string; adminId?: string | null }
+  ) {
+    const payout = await tx.payout.findUnique({
+      where: { id: input.payoutId },
+    });
+    if (!payout) return null;
+    if (payout.status === "CANCELLED") return payout;
+    if (payout.status === "PAID") {
+      // Uang sudah ditransfer — tidak bisa undo otomatis. Catat note saja.
+      return payoutRepo.update(
+        input.payoutId,
+        {
+          adminNote:
+            (payout.adminNote ? `${payout.adminNote}\n---\n` : "") +
+            `[!] ${input.reason} setelah PAID — perlu clawback manual.`,
+        },
+        tx
+      );
+    }
+    return payoutRepo.update(
+      input.payoutId,
+      {
+        status: "CANCELLED",
+        cancelledAt: new Date(),
+        processedById: input.adminId ?? null,
+        adminNote: input.reason,
+      },
+      tx
+    );
+  },
+
+  /**
+   * Refund SUCCEEDED — kurangi nominal payout sesuai nominal refund. Kalau
+   * jatuh ke 0 atau lebih, cancel payout. Dipanggil dari refund.service.
+   */
+  async applyRefundDelta(
+    tx: Prisma.TransactionClient,
+    input: { bookingId: string; refundAmount: number }
+  ) {
+    const payout = await payoutRepo.findByBookingId(input.bookingId, tx);
+    if (!payout) return null;
+    if (payout.status === "CANCELLED") return payout;
+    if (payout.status === "PAID") {
+      // Uang sudah ditransfer ke organizer — flag untuk clawback manual.
+      return payoutRepo.update(
+        payout.id,
+        {
+          adminNote:
+            (payout.adminNote ? `${payout.adminNote}\n---\n` : "") +
+            `[!] Refund Rp${input.refundAmount.toLocaleString("id-ID")} terjadi setelah payout PAID. Perlu clawback manual dari organizer.`,
+        },
+        tx
+      );
+    }
+
+    const nextAmount = payout.amount - input.refundAmount;
+    if (nextAmount <= 0) {
+      return payoutRepo.update(
+        payout.id,
+        {
+          status: "CANCELLED",
+          cancelledAt: new Date(),
+          adminNote:
+            (payout.adminNote ? `${payout.adminNote}\n---\n` : "") +
+            "Dibatalkan otomatis karena refund penuh.",
+        },
+        tx
+      );
+    }
+    return payoutRepo.update(payout.id, { amount: nextAmount }, tx);
+  },
+};
diff --git a/server/services/refund.service.ts b/server/services/refund.service.ts
index 9b8bce0..1ab2990 100644
--- a/server/services/refund.service.ts
+++ b/server/services/refund.service.ts
@@ -4,6 +4,7 @@ import { prisma } from "@/lib/prisma";
 import { refundRepo } from "@/server/repositories/refund.repo";
 import { calculateRefundAmount, daysUntilDeparture } from "@/lib/refund-policy";
 import { isTripDepartureDayPast } from "@/lib/trip-dates";
+import { payoutService } from "@/server/services/payout.service";
 
 const SERIAL_TX_ATTEMPTS = 6;
 
@@ -236,6 +237,12 @@ export const refundService = {
         tx
       );
 
+      // Escrow: kurangi (atau cancel) payout organizer sesuai nominal refund.
+      await payoutService.applyRefundDelta(tx, {
+        bookingId: refund.bookingId,
+        refundAmount: refund.amount,
+      });
+
       const totalRefunded = await refundRepo.sumSucceededAmount(
         refund.bookingId,
         tx
diff --git a/server/services/trip.service.ts b/server/services/trip.service.ts
index f771e15..f70e231 100644
--- a/server/services/trip.service.ts
+++ b/server/services/trip.service.ts
@@ -6,6 +6,8 @@ import { participantRepo } from "@/server/repositories/participant.repo";
 import { bookingRepo } from "@/server/repositories/booking.repo";
 import { bookingService } from "@/server/services/booking.service";
 import { refundService } from "@/server/services/refund.service";
+import { payoutService } from "@/server/services/payout.service";
+import { payoutRepo } from "@/server/repositories/payout.repo";
 import { LIMITS } from "@/lib/limits";
 import { utcStartOfDay, isTripDepartureDayPast } from "@/lib/trip-dates";
 import { isFreeTrip } from "@/lib/trip-pricing";
@@ -546,6 +548,16 @@ export const tripService = {
                   }
                 );
                 refundsCreated.push(refund.id);
+
+                // Trip dibatalkan → cancel payout HELD/RELEASED organizer untuk
+                // booking ini. Payout PAID di-flag clawback otomatis.
+                const payout = await payoutRepo.findByBookingId(b.id, tx);
+                if (payout) {
+                  await payoutService.cancel(tx, {
+                    payoutId: payout.id,
+                    reason: "Trip dibatalkan organizer.",
+                  });
+                }
               } else {
                 // PENDING / AWAITING_PAY → uang belum masuk → langsung CANCELLED.
                 await tx.booking.update({
diff --git a/types/next-auth.d.ts b/types/next-auth.d.ts
index ce89af2..347c595 100644
--- a/types/next-auth.d.ts
+++ b/types/next-auth.d.ts
@@ -8,6 +8,7 @@ declare module "next-auth" {
       email: string;
       image?: string | null;
       acceptedTermsAndPrivacy: boolean;
+      isAdmin: boolean;
     };
   }
 }