OPERATIONAL CONSTRAINT
Multiple hard escrows
BUSINESS IMPACT
Long activation cycles
FOR BANKS — INDIA
White-Label Escrow and Connected Banking for Indian Banks
Give enterprise clients a bank-branded digital escrow platform while unlocking fee income, CASA retention, and product depth.
The traditional model fails when structured volume grows
OPERATIONAL CONSTRAINT
Fragmented control
BUSINESS IMPACT
Manual oversight burden
OPERATIONAL CONSTRAINT
Manual payout logic
BUSINESS IMPACT
Operational errors
OPERATIONAL CONSTRAINT
Spreadsheet operations
BUSINESS IMPACT
High governance cost
OPERATIONAL CONSTRAINT
Linear account growth
BUSINESS IMPACT
Poor scalability
Direct bank model vs CastlerX
Unified orchestration
Coordinate multiple hard escrow accounts through one API, dashboard, payout engine, and reconciliation layer.
- Existing bank legal structures remain intact
- Accounts consolidated in one view
- Rules and reconciliation automated
- Ideal for enterprises with bank relationships
Virtual escrow layer
One regulated master escrow at the bank with unlimited virtual sub-accounts underneath.
- Unique logic and reporting per virtual account
- Activation in minutes, not weeks
- One regulated account with network scale
- Ideal for banks, NBFCs, OEMs, and franchisors
| Parameter | Direct bank model | Via CastlerX |
|---|---|---|
| Hard escrows | One per relationship | One + virtual layer |
| TAT | Weeks | Minutes |
| Visibility | Fragmented | Unified |
| Payout logic | Manual | Rule-based |
| Reconciliation | Manual effort | Automated real-time |
Two India-native bank capabilities
ESCROW BANKING
White-labelled orchestration
Digital onboarding, e-agreements, KYC, payment authorisation, monitoring, and audit-ready reporting through the bank's SSO portal.
- Co-lending, RERA, dealer-OEM, marketplaces
- M&A holdback, TRA, disputes, liquidation
- Rule-based releases and reconciliation
- Unified dashboard across escrow products
CONNECTED BANKING · INDIA ONLY
Treasury and current-account control
A single API across 15+ banks for aggregation, payments, approvals, liquidity, statements, and enterprise integrations.
- Multi-bank aggregation
- NEFT, RTGS, and IMPS
- Role-based approvals
- Up to 2,000 TPS
Proactive compliance monitoring — built in
Compliance Watch for bank partners
- — Monthly scan of RBI circulars across escrow and payments
- — Impact assessment: affected merchants, required action, and deadline
- — Action ticket created with the affected merchant list
- — Dashboard showing scan history, action rate, and cost
The bank pitch value
When compliance asks whether RBI publications are monitored continuously, the answer is yes. CastlerX scans every RBI circular monthly, flags relevant items, assesses impact, and routes action tickets — with no manual tracking and no missed circulars.
Designed to run for under ₹200 per month
Deploy in four controlled phases
01
Scoping — choose priority enterprise segments
02
Integration — connect APIs, white-label, and SSO
03
Pilot — one use case and one client cohort
04
Scale — digital onboarding across segments