[INDIA] RBI, SEBI and IRDAI · Source-code escrow and continuity obligations for critical applications[EU DORA] ICT third-party risk testing required · In force Jan 2025[PRA] SS2/21 UK · Vendor recovery evidence required[MAS] Singapore TRM · Independent vendor recoverability expected[APRA] CPS 230 Australia · Third-party continuity obligations in force[FFIEC] United States · Source-code access and software escrow addressed in third-party contracts[ENTERPRISE] Mission-critical software procurement increasingly requires continuity evidence before contract
[INDIA] RBI, SEBI and IRDAI · Source-code escrow and continuity obligations for critical applications[EU DORA] ICT third-party risk testing required · In force Jan 2025[PRA] SS2/21 UK · Vendor recovery evidence required[MAS] Singapore TRM · Independent vendor recoverability expected[APRA] CPS 230 Australia · Third-party continuity obligations in force[FFIEC] United States · Source-code access and software escrow addressed in third-party contracts[ENTERPRISE] Mission-critical software procurement increasingly requires continuity evidence before contract

Escrow Banking

Marketplace Escrow Infrastructure Built for Speed, Security, and Scale

Castler’s marketplace escrow platform helps online marketplaces handle buyer and seller transactions with full transparency, trust, and compliance. It allows for real-time settlements, automated reconciliation, and secure, flexible payouts through our improved escrow system for marketplaces that need to grow quickly and operate at scale.

Purpose-bound fundsMulti-bank visibilityRule-based settlements

Neutral control

Funds remain governed by agreed release conditions

Bank-connected

Escrow operations stay visible across the banking workflow

Audit-ready

Every movement retains a clear operational trail

THE USE CASE

A controlled escrow operating model

Castler’s escrow platform powers marketplaces with transparent transactions, real-time settlements, and flexible payouts-building trust, compliance, and seamless commerce at scale.

Marketplace escrow is a financial arrangement designed to enhance security and trust in transactions occurring within online marketplaces. It involves a neutral third party, known as an escrow agent, who holds and regulates the payment of funds between buyers and sellers until all terms of the transaction are met.

Castler provides a secure platform for different marketplaces like e-commerce, fashion, Agri output etc. to secure their transaction using their escrow account.

Challenges faced by Small Marketplaces in India

Buyer’s fear receiving substandard products, while sellers worry about payment fraud or delays, causing transaction hesitation

This ensures that funds are safely held until the investment conditions are satisfied, boosting investor confidence.

Sellers are concerned about failed payments, while buyers hesitate to pay upfront for fear of non-receipt

Dispute Resolution

Product quality, delivery, or payment issues lead to costly, time-consuming disputes that decrease satisfaction

Enhanced Transparency & Accountability

Marketplaces face fraud risks like chargebacks or counterfeit goods, requiring a secure, impartial mechanism.

Lack of Transparency

Insufficient transaction visibility causes buyer and seller uncertainty.

The Overall workflow for a Marketplace using

Escrow account would be

The Overall workflow for a Marketplace using Escrow account would be

Buyer Places Order

A buyer purchases an item from a seller on the marketplace.

The buyer pays for the item, and the funds are deposited into a collection escrow account

Buyer Receives and Verifies

The buyer receives the item and verifies that it matches the order description and is in good condition

Once the buyer confirms receipt and satisfaction, Marketplace move the funds from Escrow account to the seller’s current account post Trustee approval.

Key Benefits for Maketplace

Secure transactions for online marketplaces

Protection against fraudulent activities

Experienced and reliable escrow agents

Customizable terms and conditions

Reduced risk of disputes and delays

Ideal solution for businesses of all sizes, from startups to large enterprises.

Customizable escrow with multi-party protection and flexible authentication for every transaction.

Castler’s Escrow Solution for Marketplace benefits both parties

Protects buyers from receiving faulty, damaged, or non-existent goods. If the item doesn't meet expectations, the buyer can dispute the transaction, and the funds won't be released to the seller

Assures sellers that they will be paid for their goods once the buyer has received and accepted them, reducing the risk of non-payment

Provides a neutral platform for resolving disputes between buyers and sellers. The escrow agent can mediate the issue and ensure a fair outcome.

Helps prevent fraud by holding funds until the transaction is complete and both parties agree.

Let’s work together to create a safer, more resilient future for your business.

Dealer - Distributor

Merger & Acquisition

Pre-Paid Instrument

Payment Aggregator

Franchisor - Franchisee

Alternative Investment

Trust & Retention account

API Banking & Integrations

Bespoke Solutions for Banks

Terms and Conditions

©2025 NCOME Tech Solutions

ESCROW BANKING

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ESCROW BANKING

Put every release condition and settlement rule in one controlled flow

Bring your escrow structure to Castler for a focused implementation briefing

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