create public layout and admin and fix escrow and refund

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
+}