diff --git a/contracts/escrow/src/lib.rs b/contracts/escrow/src/lib.rs
index 00a93b45..0ef17abe 100644
--- a/contracts/escrow/src/lib.rs
+++ b/contracts/escrow/src/lib.rs
@@ -346,7 +346,6 @@ fn transfer_with_protocol_fee(
     env: &Env,
     token_addr: &Address,
     recipient: &Address,
-    fee_collector: &Address,
     amount: i128,
     fee_bps: u32,
 ) -> Result<(i128, i128), ContractError> {
@@ -359,7 +358,12 @@ fn transfer_with_protocol_fee(
     }
 
     if fee > 0 {
-        token_client.transfer(&contract_addr, fee_collector, &fee);
+        let acc_key = DataKey::AccumulatedFees(token_addr.clone());
+        let current_acc: i128 = env.storage().instance().get(&acc_key).unwrap_or(0);
+        let new_acc = current_acc
+            .checked_add(fee)
+            .ok_or(ContractError::ArithmeticError)?;
+        env.storage().instance().set(&acc_key, &new_acc);
     }
 
     Ok((fee, net))
@@ -1037,7 +1041,6 @@ impl Escrow {
             &env,
             &escrow.token,
             &escrow.seller,
-            &fee_collector,
             escrow.amount,
             escrow.fee_bps,
         )?;
@@ -1269,17 +1272,11 @@ impl Escrow {
         }
 
         let fee_config = read_fee_config(&env);
-        let fee_collector: Address = env
-            .storage()
-            .instance()
-            .get(&DataKey::FeeCollector)
-            .ok_or(ContractError::NotAuthorized)?;
 
         transfer_with_protocol_fee(
             &env,
             &escrow.token,
             &escrow.seller,
-            &fee_collector,
             escrow.amount,
             fee_config.protocol_fee_bps,
         )?;
@@ -1411,6 +1408,11 @@ impl Escrow {
         read_fee_config(&env)
     }
 
+    pub fn get_accumulated_fees(env: Env, token: Address) -> i128 {
+        let key = DataKey::AccumulatedFees(token);
+        env.storage().instance().get(&key).unwrap_or(0)
+    }
+
     /// Rotates the resolver for an escrow. Callable by the seller or admin.
     /// New resolver must differ from current resolver, seller, and buyer.
     pub fn rotate_resolver(
@@ -1489,6 +1491,7 @@ mod test_overflow;
 mod test_pause;
 mod test_resolution;
 mod test_resolver_rotation;
+mod test_accumulated_fees;
 mod test_set_fee_boundary;
 mod test_string_length;
 mod test_ttl;
diff --git a/contracts/escrow/src/test_accumulated_fees.rs b/contracts/escrow/src/test_accumulated_fees.rs
new file mode 100644
index 00000000..354c699a
--- /dev/null
+++ b/contracts/escrow/src/test_accumulated_fees.rs
@@ -0,0 +1,223 @@
+#![cfg(test)]
+extern crate std;
+
+use crate::{ContractError, Escrow, EscrowClient};
+use soroban_sdk::{
+    testutils::{Address as _, Ledger},
+    token, Address, Env,
+};
+
+struct Fixture {
+    env: Env,
+    client: EscrowClient<'static>,
+    token: token::StellarAssetClient<'static>,
+    token_admin: token::StellarAssetClient<'static>,
+    admin: Address,
+    fee_collector: Address,
+    seller: Address,
+    buyer: Address,
+    resolver: Address,
+}
+
+impl Fixture {
+    fn new() -> Self {
+        let env = Env::default();
+        let contract_id = env.register_contract(None, Escrow);
+        let client = EscrowClient::new(&env, &contract_id);
+
+        let admin = Address::generate(&env);
+        let fee_collector = Address::generate(&env);
+        // Initialize with 500 bps arbitration fee
+        client.initialize(&admin, &fee_collector, &500);
+
+        // Set protocol fee to 100 bps (1%)
+        client.mock_all_auths().set_protocol_fee(&admin, &100);
+
+        let token_admin = Address::generate(&env);
+        let token_addr = env.register_stellar_asset_contract(token_admin.clone());
+        let token = token::StellarAssetClient::new(&env, &token_addr);
+        let token_admin_client = token::StellarAssetClient::new(&env, &token_addr);
+
+        let seller = Address::generate(&env);
+        let buyer = Address::generate(&env);
+        let resolver = Address::generate(&env);
+
+        Self {
+            env,
+            client,
+            token,
+            token_admin: token_admin_client,
+            admin,
+            fee_collector,
+            seller,
+            buyer,
+            resolver,
+        }
+    }
+}
+
+#[test]
+fn test_no_fees() {
+    let fx = Fixture::new();
+    let accumulated = fx.client.get_accumulated_fees(&fx.token.address);
+    assert_eq!(accumulated, 0);
+}
+
+#[test]
+fn test_single_fee_event_confirm_delivery() {
+    let fx = Fixture::new();
+    let amount = 100_000;
+    fx.token_admin.mint(&fx.buyer, &amount);
+
+    let escrow_id = fx.client.mock_all_auths().create_escrow(
+        &fx.seller,
+        &Some(fx.buyer.clone()),
+        &fx.resolver,
+        &fx.token.address,
+        &amount,
+        &100, // Escrow fee (deducted from seller payout) is 100 bps = 1% = 1_000
+        &0,
+    );
+    fx.client.mock_all_auths().fund_escrow(&fx.buyer, &escrow_id);
+    fx.client.mock_all_auths().mark_shipped(&fx.seller, &escrow_id, &"TRK123".into());
+    fx.client.mock_all_auths().record_delivery(&fx.buyer, &escrow_id);
+    
+    fx.env.ledger().set_timestamp(fx.env.ledger().timestamp() + 86400 * 3 + 1);
+
+    // confirm_delivery pays out. Protocol fee is 100 bps (1%) of 100_000 = 1_000
+    fx.client.mock_all_auths().confirm_delivery(&fx.buyer, &escrow_id);
+
+    let accumulated = fx.client.get_accumulated_fees(&fx.token.address);
+    assert_eq!(accumulated, 1000);
+}
+
+#[test]
+fn test_multiple_fee_events() {
+    let fx = Fixture::new();
+    let amount1 = 100_000;
+    let amount2 = 200_000;
+    fx.token_admin.mint(&fx.buyer, &(amount1 + amount2));
+
+    // Escrow 1
+    let id1 = fx.client.mock_all_auths().create_escrow(
+        &fx.seller,
+        &Some(fx.buyer.clone()),
+        &fx.resolver,
+        &fx.token.address,
+        &amount1,
+        &100,
+        &0,
+    );
+    fx.client.mock_all_auths().fund_escrow(&fx.buyer, &id1);
+    fx.client.mock_all_auths().mark_shipped(&fx.seller, &id1, &"TRK1".into());
+    fx.client.mock_all_auths().record_delivery(&fx.buyer, &id1);
+
+    // Escrow 2
+    let id2 = fx.client.mock_all_auths().create_escrow(
+        &fx.seller,
+        &Some(fx.buyer.clone()),
+        &fx.resolver,
+        &fx.token.address,
+        &amount2,
+        &100,
+        &0,
+    );
+    fx.client.mock_all_auths().fund_escrow(&fx.buyer, &id2);
+    fx.client.mock_all_auths().mark_shipped(&fx.seller, &id2, &"TRK2".into());
+    fx.client.mock_all_auths().record_delivery(&fx.buyer, &id2);
+
+    fx.env.ledger().set_timestamp(fx.env.ledger().timestamp() + 86400 * 3 + 1);
+
+    fx.client.mock_all_auths().confirm_delivery(&fx.buyer, &id1);
+    fx.client.mock_all_auths().confirm_delivery(&fx.buyer, &id2);
+
+    let accumulated = fx.client.get_accumulated_fees(&fx.token.address);
+    // fee1 = 1% of 100_000 = 1000
+    // fee2 = 1% of 200_000 = 2000
+    assert_eq!(accumulated, 3000);
+}
+
+#[test]
+fn test_multiple_tokens() {
+    let fx = Fixture::new();
+    
+    // Create token B
+    let token_admin_b = Address::generate(&fx.env);
+    let token_addr_b = fx.env.register_stellar_asset_contract(token_admin_b.clone());
+    let token_b = token::StellarAssetClient::new(&fx.env, &token_addr_b);
+    let token_admin_client_b = token::StellarAssetClient::new(&fx.env, &token_addr_b);
+
+    fx.token_admin.mint(&fx.buyer, &100_000);
+    token_admin_client_b.mint(&fx.buyer, &500_000);
+
+    // Escrow with Token A
+    let id_a = fx.client.mock_all_auths().create_escrow(
+        &fx.seller,
+        &Some(fx.buyer.clone()),
+        &fx.resolver,
+        &fx.token.address,
+        &100_000,
+        &100,
+        &0,
+    );
+    fx.client.mock_all_auths().fund_escrow(&fx.buyer, &id_a);
+    fx.client.mock_all_auths().mark_shipped(&fx.seller, &id_a, &"TRK".into());
+    fx.client.mock_all_auths().record_delivery(&fx.buyer, &id_a);
+
+    // Escrow with Token B
+    let id_b = fx.client.mock_all_auths().create_escrow(
+        &fx.seller,
+        &Some(fx.buyer.clone()),
+        &fx.resolver,
+        &token_b.address,
+        &500_000,
+        &100,
+        &0,
+    );
+    fx.client.mock_all_auths().fund_escrow(&fx.buyer, &id_b);
+    fx.client.mock_all_auths().mark_shipped(&fx.seller, &id_b, &"TRK".into());
+    fx.client.mock_all_auths().record_delivery(&fx.buyer, &id_b);
+
+    fx.env.ledger().set_timestamp(fx.env.ledger().timestamp() + 86400 * 3 + 1);
+
+    fx.client.mock_all_auths().confirm_delivery(&fx.buyer, &id_a);
+    fx.client.mock_all_auths().confirm_delivery(&fx.buyer, &id_b);
+
+    let acc_a = fx.client.get_accumulated_fees(&fx.token.address);
+    let acc_b = fx.client.get_accumulated_fees(&token_b.address);
+
+    assert_eq!(acc_a, 1000);
+    assert_eq!(acc_b, 5000);
+}
+
+#[test]
+fn test_withdrawal_updates() {
+    let fx = Fixture::new();
+    let amount = 100_000;
+    fx.token_admin.mint(&fx.buyer, &amount);
+
+    let id = fx.client.mock_all_auths().create_escrow(
+        &fx.seller,
+        &Some(fx.buyer.clone()),
+        &fx.resolver,
+        &fx.token.address,
+        &amount,
+        &100,
+        &0,
+    );
+    fx.client.mock_all_auths().fund_escrow(&fx.buyer, &id);
+    fx.client.mock_all_auths().mark_shipped(&fx.seller, &id, &"TRK".into());
+    fx.client.mock_all_auths().record_delivery(&fx.buyer, &id);
+    
+    fx.env.ledger().set_timestamp(fx.env.ledger().timestamp() + 86400 * 3 + 1);
+    fx.client.mock_all_auths().confirm_delivery(&fx.buyer, &id);
+
+    let acc_before = fx.client.get_accumulated_fees(&fx.token.address);
+    assert_eq!(acc_before, 1000);
+
+    // Withdraw 400
+    fx.client.mock_all_auths().withdraw_fees(&fx.admin, &fx.token.address, &fx.fee_collector, &400);
+
+    let acc_after = fx.client.get_accumulated_fees(&fx.token.address);
+    assert_eq!(acc_after, 600); // 1000 - 400 = 600
+}