diff --git a/src/common/exceptions/escrow.exceptions.ts b/src/common/exceptions/escrow.exceptions.ts
index a8ad70a..21eb5ef 100644
--- a/src/common/exceptions/escrow.exceptions.ts
+++ b/src/common/exceptions/escrow.exceptions.ts
@@ -114,3 +114,9 @@ export class BuyerWalletNotFoundException extends NotFoundException {
     super(`Buyer with wallet address "${walletAddress}" not found`);
   }
 }
+
+export class WalletUserNotFoundException extends NotFoundException {
+  constructor(walletAddress: string) {
+    super(`No user found with wallet address "${walletAddress}"`);
+  }
+}
diff --git a/src/modules/escrow-payments/__tests__/create.spec.ts b/src/modules/escrow-payments/__tests__/create.spec.ts
index 5bfa5b7..cda0f3a 100644
--- a/src/modules/escrow-payments/__tests__/create.spec.ts
+++ b/src/modules/escrow-payments/__tests__/create.spec.ts
@@ -98,7 +98,12 @@ describe("EscrowPaymentsCrudService › create", () => {
     });
 
     it("save() 호출", async () => {
-      const instance = { save: jest.fn().mockResolvedValue({}) };
+      const payment = { buyerId: BUYER_ID, sellerId: SELLER_ID };
+      const instance = {
+        save: jest.fn().mockReturnThis(),
+        toObject: jest.fn().mockReturnValue(payment),
+      };
+      instance.save.mockResolvedValue(instance);
       ctx.escrowPaymentModel.mockReturnValue(instance);
 
       await ctx.service.create(makeDto(), BUYER_ID.toString());
diff --git a/src/modules/escrow-payments/__tests__/helpers.ts b/src/modules/escrow-payments/__tests__/helpers.ts
index 9f1e35c..3502d07 100644
--- a/src/modules/escrow-payments/__tests__/helpers.ts
+++ b/src/modules/escrow-payments/__tests__/helpers.ts
@@ -95,6 +95,7 @@ export function makePayment(overrides: object = {}) {
     ...overrides,
   };
   doc.save = jest.fn().mockResolvedValue(doc);
+  doc.toObject = jest.fn().mockReturnValue(doc);
   return doc;
 }
 
@@ -129,6 +130,7 @@ export function makeEscrowPaymentModelMock() {
   const ModelMock: any = jest.fn().mockImplementation((data: any) => {
     const instance = { ...data };
     instance.save = jest.fn().mockResolvedValue(instance);
+    instance.toObject = jest.fn().mockReturnValue(instance);
     return instance;
   });
   ModelMock.findById = jest.fn().mockReturnValue(makeQueryChain(null));
diff --git a/src/modules/escrow-payments/dto/escrow-payment-response.dto.ts b/src/modules/escrow-payments/dto/escrow-payment-response.dto.ts
new file mode 100644
index 0000000..2436bc7
--- /dev/null
+++ b/src/modules/escrow-payments/dto/escrow-payment-response.dto.ts
@@ -0,0 +1,166 @@
+import { ApiProperty, ApiPropertyOptional } from "@nestjs/swagger";
+import { Types } from "mongoose";
+
+export class EventApprovalResponse {
+  @ApiProperty({ description: "이벤트 이름" })
+  eventType: string;
+
+  @ApiProperty({ description: "구매자 승인 여부" })
+  buyerApproved: boolean;
+
+  @ApiPropertyOptional({ description: "구매자 승인 일시" })
+  buyerApprovedAt?: Date;
+
+  @ApiProperty({ description: "판매자 승인 여부" })
+  sellerApproved: boolean;
+
+  @ApiPropertyOptional({ description: "판매자 승인 일시" })
+  sellerApprovedAt?: Date;
+
+  @ApiPropertyOptional({ description: "이벤트 완료 일시" })
+  completedAt?: Date;
+}
+
+export class EscrowItemResponse {
+  @ApiProperty({ type: String, description: "에스크로 항목 ID" })
+  _id: Types.ObjectId;
+
+  @ApiProperty({ description: "에스크로 항목 라벨" })
+  label: string;
+
+  @ApiProperty({ description: "XRP 금액" })
+  amountXrp: number;
+
+  @ApiProperty({ description: "항목 순서" })
+  order: number;
+
+  @ApiProperty({
+    description: "항목 상태",
+    enum: [
+      "PENDING_ESCROW",
+      "SUBMITTING",
+      "ESCROWED",
+      "RELEASING",
+      "RELEASED",
+      "CANCELLING",
+      "CANCELLED",
+    ],
+  })
+  status: string;
+
+  @ApiProperty({ type: [String], description: "필요 이벤트 목록" })
+  requiredEventTypes: string[];
+
+  @ApiProperty({
+    type: [EventApprovalResponse],
+    description: "이벤트 승인 현황",
+  })
+  approvals: EventApprovalResponse[];
+
+  @ApiPropertyOptional({ description: "XRPL 시퀀스 번호" })
+  xrplSequence?: number;
+
+  @ApiPropertyOptional({ description: "XRPL 에스크로 조건" })
+  condition?: string;
+
+  @ApiPropertyOptional({ description: "에스크로 생성 트랜잭션 해시" })
+  txHashCreate?: string;
+
+  @ApiPropertyOptional({ description: "에스크로 해제 트랜잭션 해시" })
+  txHashRelease?: string;
+
+  @ApiPropertyOptional({ description: "XRPL 제출 일시" })
+  submittingAt?: Date;
+
+  @ApiPropertyOptional({ description: "에스크로 확정 일시" })
+  escrowedAt?: Date;
+
+  @ApiPropertyOptional({ description: "에스크로 해제 일시" })
+  releasedAt?: Date;
+}
+
+export class EscrowPaymentResponse {
+  @ApiProperty({ type: String, description: "에스크로 결제 ID" })
+  _id: Types.ObjectId;
+
+  @ApiProperty({ type: String, description: "내 유저 ID" })
+  myId: Types.ObjectId;
+
+  @ApiProperty({ type: String, description: "상대방 유저 ID" })
+  partnerId: Types.ObjectId;
+
+  @ApiProperty({ description: "내 이름" })
+  myName: string;
+
+  @ApiProperty({ description: "상대방 이름" })
+  partnerName: string;
+
+  @ApiProperty({ description: "내 지갑 주소" })
+  myWalletAddress: string;
+
+  @ApiProperty({ description: "상대방 지갑 주소" })
+  partnerWalletAddress: string;
+
+  @ApiProperty({ description: "총 XRP 금액" })
+  totalAmountXrp: number;
+
+  @ApiProperty({ description: "통화 (XRP/RLUSD)", enum: ["XRP", "RLUSD"] })
+  currency: string;
+
+  @ApiProperty({
+    description: "결제 상태",
+    enum: [
+      "PENDING_APPROVAL",
+      "APPROVED",
+      "PROCESSING",
+      "ACTIVE",
+      "COMPLETED",
+      "CANCELLED",
+    ],
+  })
+  status: string;
+
+  @ApiProperty({ description: "구매자 승인 여부" })
+  buyerApproved: boolean;
+
+  @ApiPropertyOptional({ description: "구매자 승인 일시" })
+  buyerApprovedAt?: Date;
+
+  @ApiProperty({ description: "판매자 승인 여부" })
+  sellerApproved: boolean;
+
+  @ApiPropertyOptional({ description: "판매자 승인 일시" })
+  sellerApprovedAt?: Date;
+
+  @ApiProperty({ description: "메모" })
+  memo: string;
+
+  @ApiProperty({
+    type: [EscrowItemResponse],
+    description: "세부 에스크로 항목",
+  })
+  escrows: EscrowItemResponse[];
+
+  @ApiProperty({ description: "생성 일시" })
+  createdAt: Date;
+
+  @ApiProperty({ description: "수정 일시" })
+  updatedAt: Date;
+}
+
+export class EscrowPaymentListResponse {
+  @ApiProperty({
+    type: [EscrowPaymentResponse],
+    description: "결제 목록 데이터",
+  })
+  data: EscrowPaymentResponse[];
+
+  @ApiProperty({ description: "전체 항목 수" })
+  total: number;
+
+  @ApiProperty({ description: "현재 페이지 번호" })
+  page: number;
+
+  @ApiProperty({ description: "페이지당 항목 수" })
+  limit: number;
+}
diff --git a/src/modules/escrow-payments/escrow-payments-crud.service.ts b/src/modules/escrow-payments/escrow-payments-crud.service.ts
index ee94f52..5bc19fe 100644
--- a/src/modules/escrow-payments/escrow-payments-crud.service.ts
+++ b/src/modules/escrow-payments/escrow-payments-crud.service.ts
@@ -6,6 +6,7 @@ import {
   EscrowPaymentNotFoundException,
   SellerWalletNotFoundException,
   UnauthorizedPaymentActionException,
+  WalletUserNotFoundException,
 } from "../../common/exceptions";
 import {
   EscrowPayment,
@@ -15,25 +16,10 @@ import { User, UserDocument } from "../users/schemas/user.schema";
 import { CreateEscrowPaymentDto } from "./dto/create-escrow-payment.dto";
 import { QueryEscrowPaymentDto } from "./dto/query-escrow-payment.dto";
 
-export interface EscrowPaymentResponse extends Omit<
-  EscrowPayment,
-  | "buyerId"
-  | "sellerId"
-  | "buyerName"
-  | "sellerName"
-  | "buyerWalletAddress"
-  | "sellerWalletAddress"
-> {
-  _id: Types.ObjectId;
-  myId: Types.ObjectId;
-  partnerId: Types.ObjectId;
-  myName: string;
-  myWalletAddress: string;
-  partnerName: string;
-  partnerWalletAddress: string;
-  createdAt: Date;
-  updatedAt: Date;
-}
+import {
+  EscrowPaymentListResponse,
+  EscrowPaymentResponse,
+} from "./dto/escrow-payment-response.dto";
 
 @Injectable()
 export class EscrowPaymentsCrudService {
@@ -50,7 +36,7 @@ export class EscrowPaymentsCrudService {
   async create(
     dto: CreateEscrowPaymentDto,
     userId: string,
-  ): Promise<EscrowPaymentDocument> {
+  ): Promise<EscrowPaymentResponse> {
     const creator = await this.userModel
       .findById(userId, { type: 1, name: 1, wallet: 1 })
       .lean();
@@ -109,7 +95,7 @@ export class EscrowPaymentsCrudService {
     }
 
     if (!buyerWalletAddress || !sellerWalletAddress) {
-      throw new UnauthorizedPaymentActionException(); // Or a more specific exception if wallet is missing
+      throw new UnauthorizedPaymentActionException();
     }
 
     const totalAmountXrp = dto.escrows.reduce((sum, e) => sum + e.amountXrp, 0);
@@ -142,7 +128,8 @@ export class EscrowPaymentsCrudService {
       })),
     });
 
-    return doc.save();
+    const saved = await doc.save();
+    return this.mapToResponse(saved.toObject(), userId);
   }
 
   /**
@@ -151,12 +138,7 @@ export class EscrowPaymentsCrudService {
   async findAll(
     userId: string,
     dto: QueryEscrowPaymentDto,
-  ): Promise<{
-    data: EscrowPaymentResponse[];
-    total: number;
-    page: number;
-    limit: number;
-  }> {
+  ): Promise<EscrowPaymentListResponse> {
     const { status, group, page = 1, limit = 5 } = dto;
     const uid = new Types.ObjectId(userId);
 
@@ -185,37 +167,9 @@ export class EscrowPaymentsCrudService {
       this.escrowPaymentModel.countDocuments(filter),
     ]);
 
-    const mappedData = data.map((item: any) => {
-      const isBuyer = item.buyerId.toString() === userId;
-      const myId = isBuyer ? item.buyerId : item.sellerId;
-      const partnerId = isBuyer ? item.sellerId : item.buyerId;
-      const myName = isBuyer ? item.buyerName : item.sellerName;
-      const partnerName = isBuyer ? item.sellerName : item.buyerName;
-      const myWalletAddress = isBuyer
-        ? item.buyerWalletAddress
-        : item.sellerWalletAddress;
-      const partnerWalletAddress = isBuyer
-        ? item.sellerWalletAddress
-        : item.buyerWalletAddress;
-
-      const rest = { ...item };
-      delete rest.buyerId;
-      delete rest.sellerId;
-      delete rest.buyerName;
-      delete rest.sellerName;
-      delete rest.buyerWalletAddress;
-      delete rest.sellerWalletAddress;
-
-      return {
-        ...rest,
-        myId,
-        partnerId,
-        myName,
-        myWalletAddress,
-        partnerName,
-        partnerWalletAddress,
-      };
-    });
+    const mappedData = data.map((item: any) =>
+      this.mapToResponse(item, userId),
+    );
 
     return {
       data: mappedData,
@@ -235,19 +189,34 @@ export class EscrowPaymentsCrudService {
       throw new UnauthorizedPaymentActionException();
     }
 
-    const isBuyer = doc.buyerId.toString() === userId;
-    const myId = isBuyer ? doc.buyerId : doc.sellerId;
-    const partnerId = isBuyer ? doc.sellerId : doc.buyerId;
-    const myName = isBuyer ? doc.buyerName : doc.sellerName;
-    const partnerName = isBuyer ? doc.sellerName : doc.buyerName;
+    return this.mapToResponse(doc, userId);
+  }
+
+  /**
+   * XRPL 지갑 주소로 사용자 조회
+   */
+  async findUserByWalletAddress(walletAddress: string): Promise<UserDocument> {
+    const user = await this.userModel
+      .findOne({ "wallet.address": walletAddress })
+      .lean();
+    if (!user) throw new WalletUserNotFoundException(walletAddress);
+    return user as UserDocument;
+  }
+
+  private mapToResponse(item: any, userId: string): EscrowPaymentResponse {
+    const isBuyer = item.buyerId.toString() === userId;
+    const myId = isBuyer ? item.buyerId : item.sellerId;
+    const partnerId = isBuyer ? item.sellerId : item.buyerId;
+    const myName = isBuyer ? item.buyerName : item.sellerName;
+    const partnerName = isBuyer ? item.sellerName : item.buyerName;
     const myWalletAddress = isBuyer
-      ? doc.buyerWalletAddress
-      : doc.sellerWalletAddress;
+      ? item.buyerWalletAddress
+      : item.sellerWalletAddress;
     const partnerWalletAddress = isBuyer
-      ? doc.sellerWalletAddress
-      : doc.buyerWalletAddress;
+      ? item.sellerWalletAddress
+      : item.buyerWalletAddress;
 
-    const rest = { ...(doc as any) };
+    const rest = { ...item };
     delete rest.buyerId;
     delete rest.sellerId;
     delete rest.buyerName;
@@ -265,15 +234,4 @@ export class EscrowPaymentsCrudService {
       partnerWalletAddress,
     };
   }
-
-  /**
-   * XRPL 지갑 주소로 사용자 조회
-   */
-  async findUserByWalletAddress(walletAddress: string): Promise<UserDocument> {
-    const user = await this.userModel
-      .findOne({ "wallet.address": walletAddress })
-      .lean();
-    if (!user) throw new SellerWalletNotFoundException(walletAddress);
-    return user;
-  }
 }
diff --git a/src/modules/escrow-payments/escrow-payments.controller.ts b/src/modules/escrow-payments/escrow-payments.controller.ts
index 17e77c3..196c8d7 100644
--- a/src/modules/escrow-payments/escrow-payments.controller.ts
+++ b/src/modules/escrow-payments/escrow-payments.controller.ts
@@ -27,6 +27,11 @@ import {
 import { ParseMongoIdPipe } from "../../common/pipes/parse-mongo-id.pipe";
 import { ParseXrplAddressPipe } from "../../common/pipes/parse-xrpl-address.pipe";
 
+import {
+  EscrowPaymentListResponse,
+  EscrowPaymentResponse,
+} from "./dto/escrow-payment-response.dto";
+
 @ApiTags("Escrow Payments")
 @ApiCookieAuth()
 @UseGuards(SessionGuard)
@@ -61,8 +66,8 @@ export class EscrowPaymentsController {
   })
   @ApiResponse({
     status: 200,
-    description:
-      "{ data: EscrowPayment[], total: number, page: number, limit: number }",
+    description: "목록 조회 성공",
+    type: EscrowPaymentListResponse,
   })
   findAll(
     @Query() query: QueryEscrowPaymentDto,
@@ -78,7 +83,11 @@ export class EscrowPaymentsController {
       "buyer/seller 간 에스크로 결제 계획을 생성합니다. 생성 직후 상태는 PENDING_APPROVAL이며, 양측이 모두 승인해야 APPROVED로 전환됩니다.",
   })
   @ApiBody({ type: CreateEscrowPaymentDto })
-  @ApiResponse({ status: 201, description: "결제 내역 생성 성공" })
+  @ApiResponse({
+    status: 201,
+    description: "결제 내역 생성 성공",
+    type: EscrowPaymentResponse,
+  })
   @ApiResponse({ status: 400, description: "잘못된 요청 (유효성 검사 실패)" })
   @ApiResponse({ status: 401, description: "인증되지 않은 사용자" })
   create(
@@ -94,7 +103,11 @@ export class EscrowPaymentsController {
     description: "결제 ID로 에스크로 결제 내역 전체를 조회합니다.",
   })
   @ApiParam({ name: "id", description: "에스크로 결제 ID (MongoDB ObjectId)" })
-  @ApiResponse({ status: 200, description: "조회 성공" })
+  @ApiResponse({
+    status: 200,
+    description: "조회 성공",
+    type: EscrowPaymentResponse,
+  })
   @ApiResponse({ status: 401, description: "인증되지 않은 사용자" })
   @ApiResponse({ status: 404, description: "결제 내역 없음" })
   findById(
diff --git a/test/escrow-mock.e2e-spec.ts b/test/escrow-mock.e2e-spec.ts
index 84f0a31..dfa19b8 100644
--- a/test/escrow-mock.e2e-spec.ts
+++ b/test/escrow-mock.e2e-spec.ts
@@ -500,7 +500,7 @@ describe("EscrowPayments (e2e)", () => {
       targetId = res.body._id;
     });
 
-    it("존재하는 결제 → 200, 정확한 데이터 반환", async () => {
+    it("존재하는 결제 → 200, 정확한 데이터 반환 (추상화된 필드 확인)", async () => {
       const res = await request(app.getHttpServer())
         .get(`/escrow-payments/${targetId}`)
         .set(asBuyer())
@@ -508,6 +508,20 @@ describe("EscrowPayments (e2e)", () => {
 
       expect(res.body._id).toBe(targetId);
       expect(res.body.memo).toBe("단건 조회 테스트");
+
+      // 추상화된 필드 확인
+      expect(res.body.myId).toBe(buyerObjectId.toString());
+      expect(res.body.partnerId).toBe(sellerObjectId.toString());
+      expect(res.body.myName).toBe("Test Buyer Corp");
+      expect(res.body.partnerName).toBe("Test Seller Corp");
+      expect(res.body.myWalletAddress).toBe(BUYER_WALLET_ADDR);
+      expect(res.body.partnerWalletAddress).toBe(SELLER_WALLET_ADDR);
+
+      // 제거된 필드 확인
+      expect(res.body.buyerId).toBeUndefined();
+      expect(res.body.sellerId).toBeUndefined();
+      expect(res.body.buyerName).toBeUndefined();
+      expect(res.body.sellerName).toBeUndefined();
     });
 
     it("존재하지 않는 id → 404", async () => {