Agree and fund.
Both parties agree on the terms. The funds move into a governed escrow account at a partner bank.
ESCROW ACCOUNT
Open an escrow account with a partner bank and run it on software that enforces your release rules. Money is held until the agreed conditions are met, and every step is recorded.
Escrow account · Partner bank
Co-lending disbursement
Release rule
Release when delivery is confirmed, the document is signed and a checker approves.
Payout split · 80:20
Audit trail
Illustrative interface
An escrow account is an account where a neutral third party holds money for two or more parties until the conditions of their agreement are met. The conditions can be a delivery, a completed milestone, a signed document or a fixed date.
Businesses use an escrow account when the amount is large, the parties do not know each other well, or one side needs proof before money moves. The buyer knows the funds are set aside. The seller knows the funds exist. Neither side has to take the other's word for it.
Both parties agree on the terms. The funds move into a governed escrow account at a partner bank.
The platform checks compliance, validates payout rules, screens counterparties and watches for fraud.
An API event, a document, a date or a human approval triggers the release. The agreed rule decides, not a phone call.
Every approval, movement and action is saved in an audit trail that cannot be edited.
Problem
How Castler solves it
ProblemMoney moves before the conditions are checked
How Castler solves itFunds are held in escrow and released only when the agreed rule is met
ProblemA normal bank account cannot link payment to delivery, a document or an approval
How Castler solves itRelease is triggered by an API event, a document, a date or a human approval
ProblemOne person can release a large payment alone
How Castler solves itMaker-checker approval, so no payment is released by one person
ProblemDisputes are settled with emails, calls and contract language
How Castler solves itEvery approval and movement is saved in an audit trail that cannot be edited
ProblemOpening a traditional escrow account is slow and has heavy paperwork
How Castler solves itDigital account opening with eKYC and eAgreement signing
ProblemFinance teams match bank statements by hand
How Castler solves itStatements are matched automatically, and finance only reviews exceptions
ProblemFunds sit across many banks with no single view
How Castler solves itOne dashboard to manage escrow accounts across 15+ partner banks
ProblemPayouts to multiple parties are manual and error-prone
How Castler solves itMulti-party payouts and fixed splits, such as 80:20 in co-lending, run by rule
ProblemFraud and compliance checks are slow and manual
How Castler solves itFraud and AML screening run automatically, and humans approve every decision
ProblemFailed transfers need manual follow-up
How Castler solves itFailed transfers are diagnosed and retried, with escalation when they cannot be fixed
ProblemBanks lack the technology to offer digital escrow
How Castler solves itWhite-label platform under the bank’s own brand, so the bank keeps the customer and the fee income
Castler's escrow account services cover the full life of an escrow, from opening the account to the final payout.
Digital escrow account opening with eKYC and eAgreement signing
Conditional release of funds against documents, dates, API events or approvals
Multi-party payouts, including fixed splits such as 80:20 in co-lending
Real-time status updates for every party in the transaction
Daily reconciliation across partner banks
A complete audit trail for each transaction
White-label escrow account services for banks
Running an escrow account by hand means spreadsheets, phone calls and late reconciliation. Castler's escrow account management puts all of it in one place.
One dashboard to view and manage escrow accounts across 15+ partner banks
Maker-checker approvals, so no payment is released by one person alone
Bank statements matched automatically, so finance teams only review exceptions
Failed transfers diagnosed and retried, with clear escalation when they cannot be fixed
Reports and records ready for auditors and regulators
Castler's escrow orchestration platform is called CastlerX. The bank holds the account. CastlerX controls what happens to the money in it.
Castler is not a payment gateway. It adds rules, approvals, virtual accounts and an audit trail to the escrow account your bank already provides.
Pre-approved fund flow automation
Multi-bank and multi-trustee support
REST APIs for integration with your own systems
AI agents that handle onboarding, payout checks, fraud screening, AML screening and reconciliation
Humans approve every decision. No money moves without sign-off.
FAQ
An escrow account is an account where a neutral third party holds funds until the conditions agreed between two parties are met. The funds are then released to the right party.
In a normal account, the account holder controls the money. In an escrow account, the money can only be released when the agreed conditions are met, and a third party controls the release.
A partner bank holds the account. Castler's software controls the release rules, approvals and records.
Escrow account services include account opening, holding funds, releasing them against agreed conditions, reconciliation and reporting. Castler also provides these as a white-label service for banks.
Escrow account software is the system that sets the release rules, collects approvals, tracks every movement of money and keeps the audit record. CastlerX is Castler's escrow account software.
No. An escrow account holds money. Software escrow holds source code and proves a vendor's software can be rebuilt and run. Castler offers both. Read about software escrow and recoverability.
ESCROW ACCOUNT
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