API-first, compliance-grade infrastructure for purpose-bound fund flows, conditional release, and audit-ready reporting.
Both sides define terms
Buyer pays into escrow
Balance stays visible
Condition is confirmed
Funds move or return
Coordinate multiple hard escrow accounts through one API, dashboard, payout engine, and reconciliation layer.
One regulated master escrow at the bank with unlimited virtual sub-accounts underneath.
| 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 |
Before any fund release, CastlerX runs every payout through a multi-agent pipeline — agreement intelligence, fraud scoring, AML screening, payout orchestration, and human review when required.
Agreement Intelligence extracts rules
Buyer pays into escrow
Fraud, AML, and payout agents apply rules
Transfer executes on green; HITL if amber
Real-time balances, pending transfers, and per-bank visibility in one control plane.
Automate splits, waterfalls, royalties, milestones, and VIN-linked releases.
One regulated master account with unlimited virtual sub-accounts and distinct rules.
Configurable approval chains with immutable initiator, approver, time, and beneficiary records.
Match inbound credits to orders and counterparties without spreadsheet operations.
Unlock funds through API events, documents, OEM confirmation, dates, or verification.
Preserve every approval and fund movement in an audit-ready transaction history.
Integrate once across 15+ partner banks and launch enterprise escrow in weeks.
Specialist AI agents handle fraud scoring, AML screening, agreement extraction, reconciliation, and compliance monitoring — in real time, governed by your escrow agreement.
Learn moreEscrow banking is a financial arrangement where a neutral third party holds funds on behalf of two or more parties until agreed conditions are met. CastlerX provides programmable escrow orchestration — combining regulated bank accounts with rule-based release conditions, maker-checker approvals, and sealed audit trails.
A hard escrow account is a separately opened, legally independent escrow account held at a regulated bank. A virtual escrow account is a sub-account under a single regulated master escrow, with its own rules and reporting but without a separate bank account opening. CastlerX supports both deployment models.
Enterprise onboarding through a CastlerX partner bank typically takes days for virtual escrow deployments and a few weeks for multi-bank hard escrow configurations. API integration is standardised across all 15+ partner banks.
Book a 20-minute briefing. We will map your use case and walk through the orchestration platform.
India enterprise escrow
White-label infrastructure for banks
Dealer, real estate, marketplace, and fintech flows
