No governed holding layer
High-value deals complete on trust alone. There is no infrastructure between agreement and payment that holds funds until conditions are met.
CASTLER ESCROW BANKING
Every rupee your business holds should be governed, not just stored
Programmable escrow for enterprises and banks.
Conditional release, maker-checker control, and audit-grade proof —
across 15+ partner banks. Now with AI agents running every workflow
1,000+Enterprises
15+Integrated banks
90%Fewer API integrations
ISO 27001Certified infrastructure
CastlerX Escrow Control Plane · LIVESystems operational
Protected balance
₹0LIVE
Pending release
₹3.2 CrHELD
Releases today
12COMPLETED
| Flow | Counterparty | Amount | Status |
|---|---|---|---|
| Dealer OEM | Toyota Kirloskar | ₹1,00,000 | Released |
| RERA | Godrej Properties | ₹44,75,000 | Held |
| Co-lending | IIFL Finance | ₹1,09,00,000 | Approved |
Agree
Fund
Hold
Release
Conditional release · Maker-checker enforced · Audit trail sealed
Illustrative interface and sample data.
Trusted by India's leading enterprises and financial institutions
HDFC Bank
SBI
Canara Bank
Union Bank
Indian Bank
India Post Payments
Punjab & Sind Bank
Muthoot Finance
Axis Finance
JM Financial
Finova Capital
Mahindra Finance
HDFC Bank
SBI
Canara Bank
Union Bank
Indian Bank
India Post Payments
Punjab & Sind Bank
Muthoot Finance
Axis Finance
JM Financial
Finova Capital
Mahindra Finance
Piramal Finance
Toyota Financial Services
NSDL
Avendus
Shivalik Bank
Perfios
Pine Labs
IIFL
Amazon
Flipkart
Myntra
Sammaan Capital
Piramal Finance
Toyota Financial Services
NSDL
Avendus
Shivalik Bank
Perfios
Pine Labs
IIFL
Amazon
Flipkart
Myntra
Sammaan Capital
THE PROBLEM
Payments infrastructure was built for speed.
Nobody solved for governance
No conditional release
Nothing links payment to delivery, verification, or any proof of kind. Money moves before conditions are confirmed.
No audit trail
When a high-value transfer is disputed, there is no sealed, tamper-proof record of who approved what, when, and why.
HOW IT WORKS
Every rupee. One rule. One sealed record
CastlerX is not a payment gateway. It is a governance layer. Every rupee enters an escrow with a rule, waits for a trigger, releases on proof, and leaves a permanent record.
Agree & Fund
Both parties agree. Funds move into a governed escrow — not a current account, not a promise.
Rules Run
AI agents monitor compliance, validate payout logic, screen counterparties, and watch for fraud — automatically.
Conditions Met
An API event, a document, a date, or a human approval triggers release. The rule decides — not a phone call.
Proof Sealed
Every approval, every movement, every agent action is written to an immutable audit trail. Tamper-proof. Per-bank isolated.
Without CastlerXWith CastlerX
Funds held in a current account, no rules
Funds in governed escrow with conditional release
Reconciliation done manually in spreadsheets
Auto-matched daily across 15+ partner banks
Disputes resolved by contract language
Disputes resolved by the immutable audit trail
CASTLERX AGENTIC ESCROW
Agents run every workflow
Humans approve every decision
Every payout, onboarding, fraud check, and compliance scan is handled by a specialist agent — coordinated by a central Orchestration Agent. No manual ops in the middle. No money moves without human sign-off.
Orchestration Agent
Coordinates every workflow end-to-end
Receives every instruction, dispatches to specialist agents in sequence, routes to human approval when needed, and writes an immutable audit trail from instruction to UTR.
CastlerAssist
Conversational control of your escrow account
Type “pay ₹25L to Acme” and the agent validates, previews, and routes the payment — reads are instant, actions always require your confirmation.
Merchant Onboarding Agent
From signed term sheet to live — no manual steps
Sends KYC links, runs AML screening in parallel, verifies bank accounts via penny-drop, tracks eSigning, and packages everything for Ops review automatically.
Agreement Intelligence Agent
Reads your MSA — configures the platform from it
Uploads a signed agreement, extracts every operational rule with clause-to-rule traceability, and configures the platform to enforce them. What Ops does in 2 days takes minutes.
Payout Orchestration Agent
The brain between instruction and bank execution
Applies agreement-derived rules at execution time — 80:20 co-lending splits, conditional releases, multi-party distributions — rules the Transfer Service alone cannot see.
Fraud Detection Agent
Per-merchant learned baselines, not generic rules
Scores every transaction across three tiers — deterministic rules, ML model, LLM explanation for flagged items only. ₹25L is suspicious for a marketplace. Normal for an NBFC. The agent knows the difference.
AML Compliance Agent
Sanctions, PEP, blacklists — live and continuous
Screens merchants, directors, and payees against OFAC, UN, RBI, CIBIL, and adverse media at onboarding, daily on list updates, and monthly in a full rescreen.
Reconciliation Agent
Bank statements auto-matched — Finance sees only exceptions
Ingests daily statements from 6 bank partners, auto-matches 95%+ of entries across three passes, and surfaces only reversals and unidentified credits for human review.
Transaction Recovery Agent
Failed transfers diagnosed and fixed automatically
Maps 880+ bank error codes, auto-retries transient failures, auto-switches channels on limit breaches, and escalates with full diagnostic context when TAT is breached.
Compliance Watch Agent
Catches regulatory drift before auditors do
Scans all RBI circulars monthly, filters for relevance, runs an LLM impact assessment on each, and creates tracked tickets — every circular reviewed is permanently logged.
Risk Insight Agent
Portfolio-level risk monitoring across weeks and months
Watches merchant behaviour over time — reversal rate trends, payee concentration shifts, cash-flow stress — and routes risk signals to Risk Ops, retention signals to BD.
The LLM never decides. It explains. Humans approve every action
Maker-checker enforced · Audit trail write-once · Per-bank isolated in white-label deployments
USE CASES
Every transaction that moves money between untrusting parties needs escrow
From a ₹40 lakh apartment deposit to a ₹400 crore M&A holdback — only the release condition changes.
Co-lending & loan disbursement
Hold disbursement capital, release on verified drawdown conditions, and automate repayment waterfalls from receivables.
Prevents diversion · Reduces credit risk · Multi-program
RBI IT §12(f) · RBI co-lending guidelinesDealer network & OEM
Dealer funds enter escrow; shipment and VIN confirmation trigger release to the distributor automatically.
VIN-linked delivery · Instant onboarding · Cash-logistics sync
Enterprise-defined release controlsReal estate & RERA
Protect buyer advances and release against verified construction milestones.
Milestone release · Buyer protection · Developer credibility
RERA IndiaMarketplace & trade
Hold buyer funds until delivery is confirmed, then release to the seller or return in full.
Neutral custody · Clear disputes · Protected fee event
Marketplace settlement controlsM&A holdback
Hold consideration until share transfer, closing documents, and agreed post-closing conditions are verified.
Balanced protection · Independent verification · Closing audit
Transaction-specific legal conditionsFintech & PA compliance
Manage safeguarded funds, reserves, commission splits, and scheduled settlements for regulated payment flows.
Reserve control · Commission automation · Scheduled settlement
RBI PA DirectionsFOR BANKS
Your bank holds the account.
Castler governs what happens to the money
Banks are custodians of record. Castler is the orchestration layer — rules engine, approval workflows, virtual account fabric, and audit trail — white-labelled under the bank's brand. The bank retains the relationship, the CASA, and the fee income.
Elevate enterprise escrow
Digitise onboarding, approvals, payout logic, visibility, and reporting across enterprise escrow relationships.
- Bank-branded SSO experience
- Fee income and CASA retention
- Built-in maker-checker and audit controls
Add the trust layer to digital banking
Deploy SAMA-aligned, Shariah-compatible escrow orchestration alongside the bank's existing core stack.
- SAMA Article 93 safeguarded funds
- In-Kingdom data residency
- Wafi off-plan escrow readiness
“
When it comes to trust and security, Castler's escrow solution delivers exactly that. What began as a niche solution to build more trust into transaction flows has now evolved into a versatile platform applicable across a wide range of use cases — from domestic to cross-border payments, gaming, real estate, and beyond. Castler simplifies complex escrow workflows, allowing businesses to bypass traditional banking hurdles while still anchoring security with underlying bank infrastructure.
Tanya Naik
Head of Online & Omni-channel Business, Pine Labs
ISO 27001SOC 2 Type IIPCI DSSRBI / SEBI / IRDAI aligned
ESCROW BANKING
Ready to make escrow programmable?
Book a 20-minute briefing. We will map your use case and walk through the orchestration platform.
Book a 15-min briefingISO 27001SOC 2 Type IIPCI DSS