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.
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 / Axis / Axis, not commingled with corporate operating cash.
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.
One number
per customer
Auto-generated virtual account number per customer. Inbound credits identified at landing. Recon against invoice automatic.
12k+ payouts
per minute
Payroll, vendor payouts, refund batches, dealer incentives — bulk-file in, status-stream out, every line reconciled.
Branch · zone ·
geography
Sub-accounts that roll up to a parent. Visibility per branch, control at HQ. Real-time consolidated position.
Customer pull
via VPA
Issue UPI collect requests at scale — for deposits, EMIs, society dues, B2B receivables. Auto-matched on settle.
Notional pooling
Auto-sweep idle balances from sub-accounts to parent. Reverse-sweep on debit. Treasurer's view stays consolidated.
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.
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.