Agreement rules manually applied
Ops reads 28 pages per onboarding
THE WORLD’S FIRST AGENTIC ESCROW PLATFORM
Escrow that thinks, executes, audits itself
From fraud scoring through to payout orchestration — every transaction step is governed by an AI agent. The agreement governs. The agents execute. Every step is logged.
LIVE TRANSACTION
TRC-20260824-00187
Payout Orchestration AgentQUEUED
Applying 80:20 split · Clause 4.2 · Checking balances
₹1,20,00,000 from FinRight escrow · ₹30,00,000 from co-lender
12ms
Fraud Detection AgentQUEUED
Per-merchant baseline · Tier 1 rules · ML score
Score: 91/100 · GREEN · All checks passed
8ms
Transfer ServiceQUEUED
NEFT via HDFC Bank · UTR generation
UTR: HDFC826140001234 · Meera Traders credited
1.9s
Audit TrailQUEUED
Writing immutable trace · Per-bank isolated
TRC-20260824-00187 · SEALED
2ms
THE OPERATING GAP
Traditional escrow platforms process transactions. They do not think about them.
Every high-value escrow transaction involves agreement-specific rules, fraud risk, approvals, reconciliation, and complex operational handoffs. Today, human operations teams carry that burden.
Fraud checked after release
No real-time protection
Reconciliation by spreadsheet
Two hours of Finance effort per day
The largest transactions in any economy deserve more than a static account. They deserve a system that reads the agreement, scores the risk, and proves the outcome.
HOW IT WORKS
One orchestration layer for every governed transaction
The Orchestration Agent coordinates every workflow. It dispatches to specialist agents, sequences each result, routes human approval, and logs the complete trace.
ENTRY POINTS
Human chat · API · Kafka events · scheduled jobs
ORCHESTRATION LAYER
Sequence · policy enforcement · HITL routing · audit
EXECUTION
Transfer service · partner banks · notifications
ORCHESTRATINGCastlerX Orchestration Agent
Sequencing policy, specialist agents, human review, execution, and sealed evidence
1/6dispatch active
RUNNING
Orchestration AgentEntry points: chat, API, Kafka events, scheduled jobs
READY
Reconciliation AgentThree-pass matching: exact → fuzzy → classification
READY
Transaction Recovery Agent880+ error codes across six bank partners
READY
Fraud Detection AgentDeterministic rules catch 70–80% of fraud cases
READY
Payout Orchestration AgentSmart Rules run repeat instructions automatically
READY
Merchant Onboarding AgentKYC reminders at 24h, 48h, and 72h
LIVE EVENT · Co-lending payout · ₹1.5 Cr · Clause 4.2
The Orchestration Agent never calls external services directly. Its job is sequencing, policy enforcement, human-in-the-loop routing, and audit trail
ALL SYSTEMS LIVE
Specialist agents working across every transaction
Every agent has a defined scope. Together they handle the complete lifecycle of a governed money escrow transaction — from merchant onboarding to release and reconciliation.
LIVE
Orchestration Agent
The central coordinator. It sequences every workflow, dispatches work to specialists, routes human approvals, and seals the audit trail.
- Entry points: chat, API, Kafka events, scheduled jobs
- Identify, dispatch, route, HITL, audit
- Zero external calls: every job is delegated
LIVE
Reconciliation Agent
Auto-matches bank statements, virtual account entries, and gateway settlements against the internal ledger, surfacing only genuine exceptions.
- Three-pass matching: exact → fuzzy → classification
- Parsers for seven bank formats
- 95%+ auto-match with familiar Excel output
LIVE
Transaction Recovery Agent
Diagnoses failed transfers, retries transient errors, switches channels when limits are hit, and escalates beneficiary-data issues.
- 880+ error codes across six bank partners
- Scans stuck transactions every ten minutes
- Auto-creates support tickets on TAT breach
LIVE
Fraud Detection Agent
Per-merchant learned baselines with three-tier scoring. The LLM explains flagged items to Risk Ops; it never decides.
- Deterministic rules catch 70–80% of fraud cases
- ML scores against merchant baselines
- GREEN proceed · AMBER review · RED block
LIVE
Payout Orchestration Agent
Normalises intent sources, loads agreement-derived rules, and applies splits and release conditions at execution time.
- Smart Rules run repeat instructions automatically
- Clause-derived splits enforced at release
- Multiple input sources become one payout intent
LIVE
Merchant Onboarding Agent
Automates KYC links, bank verification, agreement preparation, eSigning, and staging for final Ops review.
- KYC reminders at 24h, 48h, and 72h
- Bank verification runs in parallel
- Final activation always requires a human
LIVE
Agreement Intelligence Agent
Reads signed agreements, extracts every operational rule, and configures the platform with clause-to-rule traceability.
- Every rule links to its clause and page
- Configures accounts, limits, webhooks, and reports
- Ops corrections improve future extraction
LIVE
Platform Assistant · CastlerAssist
Answers platform questions, fetches governed data, creates Smart Rules, routes actions, and opens support tickets.
- Reads are instant; actions always need confirmation
- Tenant data is strictly isolated
- RAG uses Castler docs and the signed agreement
LIVE
Risk Insight Agent
Finds emerging portfolio trends across merchant baselines, category cohorts, reversals, volume, payee concentration, and cash-flow stress.
- Early warnings for Risk Ops and retention signals for CS
- Nightly baseline analysis
- Never auto-restricts a merchant
Automation with a human override at every decision point
The system handles routine workflows automatically and pauses intelligently when human judgement is required.
When humans are required
- — Fraud score amber
- — Payout exceeds configured limits
- — First-time payee with high value
- — Sanctions match at any point
What the human sees
- — Transaction details and fraud explanation
- — Source clause for agreement rules
- — Diagnostic context for failures
- — Approve, Block, or Investigate in the existing inbox
What happens to approval
- — Who, when, IP address, and notes logged
- — Immutable audit trail
- — Per-bank isolation
- — TAT breach escalated by Transaction Recovery
HITL is blocking. The workflow pauses until the human acts. It does not proceed on timeout.
SEALED EVIDENCE
Every step, every agent, every decision sealed
Every workflow generates a complete, immutable record. Once written, entries cannot be modified or deleted.
Write-once
Entries cannot be modified or deleted
Per-bank isolated
Each white-label deployment has separate logs
Compliance-ready
Export the full trace for regulator requests
The bank pitch no competitor can make
Any fintech can process payouts. The differentiator is reading a signed agreement, configuring its rules, enforcing them at execution, and proving the outcome with clause-to-rule traceability.
What banks gain
Agreement Intelligence: review instead of manual processing
Fraud Detection: per-merchant baselines and fewer false positives
Audit Trail: isolated, write-once, regulator-ready
LIVE BRIEFING
See the agentic layer in a live briefing
Book a 20-minute demo. We will walk through a transaction from API call to funds released, showing each agent step, the fraud score, HITL routing, and the sealed audit trail.