Escrow & Cash Management

Segregation. Settlement.
At scale.

Multi-party escrow with live balances. Cash management services for collections and disbursements. Virtual accounts at enterprise scale. Bank-level segregation, regulator-grade audit trail — all on the same Smart Statement rails as everything else.

Escrow · 4 projects RBI seg.
Corpus held in segregated trust
₹14.84 Cr
▲ 412 seller wallets · RBI-segregated
ICICI · HDFC · Axis trust Active
Release triggered · 8 vendorsMarketplace pool · T+1 conditions met
Escrow · Live · 4 projects
₹14.84 Cr
Corpus held in segregated trust
₹14.84 Cr
▲ 412 seller wallets · RBI-segregated
Vendor pool · 412 suppliers
ICICI trust · 48h dispute
₹8.42 Cr
ACTIVE
Marketplace settlements
HDFC trust · T+1 release
₹4.18 Cr
ACTIVE
Real-estate · Mumbai
Axis · registry-confirm
₹2.12 Cr
COND.
JV milestone payout
SBI · 4 milestones, 1 met
₹12,00,000
M1/4
Held vs released today?
₹84L in · ₹72L released · ₹1.84L held in dispute window.
LIVE OPEN AGENT · v2.4

Trust accounts. Live visibility.

Multi-party escrow held at the bank — Open is the visibility, the workflow, the audit trail. Conditional release rules in plain English. Every drop-in, every drop-out, every condition-met event timestamped and immutable.

  • 01Multi-party trust accounts — buyer, seller, regulator, marketplace platform — all on one ledger, each with the right visibility.
  • 02Conditional release rules in plain English — "release when GRN confirmed and 48-hour dispute window passes."
  • 03Real-time balance view per party, per project, per cohort — drill from group total down to individual flow.
  • 04Audit trail RBI-grade — every entry timestamped, every release reasoned, every approval signed.
  • 05Bank-level segregation — funds held in legally segregated trust accounts at HDFC / ICICI / Axis, not commingled with corporate operating cash.
₹14.8 Cr
average escrow corpus per enterprise customer
100%
RBI-compliant segregation
Live
balance per party · per project
Active escrows · 4 projects · ₹14.84 Cr held ✦ Live
Vendor pool · 412 suppliers
ICICI · trust · 48h dispute window
₹8,42,40,000 Active
Marketplace settlements
HDFC · trust · T+1 release
₹4,18,20,000 Active
Real-estate transaction · Mumbai
Axis · trust · registry-confirmation release
₹2,12,40,000 Conditional
JV milestone payout
SBI · trust · 4 milestones, 1 met
₹12,00,000 Milestone

Collections. Disbursements. At enterprise scale.

Virtual accounts for collections. Bulk disbursement for payouts. CMS sub-accounts for branch rollups. All on the same rails. All reconciled in Smart Statement automatically.

Virtual accounts

One number
per customer

Auto-generated virtual account number per customer. Inbound credits identified at landing. Recon against invoice automatic.

Bulk disbursement

12k+ payouts
per minute

Payroll, vendor payouts, refund batches, dealer incentives — bulk-file in, status-stream out, every line reconciled.

CMS sub-accounts

Branch · zone ·
geography

Sub-accounts that roll up to a parent. Visibility per branch, control at HQ. Real-time consolidated position.

UPI Collect

Customer pull
via VPA

Issue UPI collect requests at scale — for deposits, EMIs, society dues, B2B receivables. Auto-matched on settle.

Sweep arrangements

Notional pooling

Auto-sweep idle balances from sub-accounts to parent. Reverse-sweep on debit. Treasurer's view stays consolidated.

Statement & recon

Auto MIS
by hierarchy

Recon, statement, and MIS available per sub-account, per zone, per parent. Auditor-ready by default.

Where escrow earns its keep.

Escrow isn't a marketing line. It's a working financial primitive — running marketplace settlements, real-estate transactions, JV milestones, dealer-incentive pools, and regulator-mandated trust holdings across our enterprise base.

  • 01Marketplace settlement — buyer pays into escrow, seller releases on delivery confirmation. Dispute window auto-managed.
  • 02Real-estate transactions — funds held until registry confirms transfer. Multi-leg release: token, milestone, possession.
  • 03JV milestone payouts — partner funds released as deliverables clear. Each milestone parameterised in plain English.
  • 04Dealer incentive pools — funds held against quarterly performance, released to dealers on KPI achievement.
  • 05Regulator-mandated trust — SEBI, RBI, IRDAI-mandated holdings (broker margins, insurance premia, deposit safekeeping) — segregated, reported, audited.
Marketplace escrow · today · live ✦ T+1 release
CORPUS HELD
₹4,18,20,000
across 412 seller wallets · HDFC trust
Funds in · today +₹84,21,000
Releases triggered −₹72,40,500
Disputed · held ₹1,84,200
Pending release · T+1 ₹12,40,500
4 disputes opened today · 2 resolved · 2 active 48h window
✦ Escrow & Cash Management

Segregated by design.
Visible by default.

Bank-level escrow with agent-grade visibility. Virtual accounts at marketplace scale. Bulk payouts with three-way recon attached. All on the rails you already trust.

View as
HUMAN AGENT