Programmable escrow infrastructure for India's digital economy
Non-custodial escrow orchestration. Funds stay in RBI-regulated bank accounts while TitanTrustee handles verification, release, disputes, and compliance — through one clean API.
Purpose-built for India's regulated money flows
Escrow shaped to how you actually move money
Whether you settle supplier invoices, run a marketplace, or embed payouts into a fintech product — the same trusted rails power every flow.
From creation to settlement in four clean steps
A deterministic state machine you can drive from code or the dashboard — with proofs at every transition.
Create
Open an escrow via API or dashboard with parties, amount, and release conditions.
Fund
Buyer funds a dedicated virtual account inside an RBI-regulated bank — never your wallet.
Verify
Milestones, delivery proofs, and KYB checks unlock the release gate automatically.
Settle
Release single or split payouts. Every state change is signed, logged, and reconciled.
Everything you need to run trusted money flows
Compliance, disputes, reconciliation, and developer ergonomics — engineered into the core, not bolted on.
Signed webhooks
HMAC-SHA256 events on every state change with retries up to 72 hours.
Dispute workflows
Structured raise, evidence, and trustee adjudication with full SLAs.
Auto-reconciliation
Ledger-perfect matching between bank statements and escrow movements.
KYB & AML
PMLA-grade onboarding, sanctions screening, and risk scoring built in.
Immutable audit
Tamper-evident trail of every action for regulators and partners.
Split payouts
Multi-party settlement for marketplaces, co-lending, and aggregators.
Bank-grade safety, built in from day one
We treat trust as infrastructure. Funds are isolated, every action is provable, and compliance is continuous — not a quarterly scramble.
- Funds held only in RBI-regulated bank escrow accounts — never a platform wallet.
- Immutable, tamper-evident audit trail for regulators and partners.
- PMLA-grade AML screening, KYB verification, and risk scoring.
- HMAC-signed APIs and webhooks with replay protection and nonce guards.
A REST API your team will actually enjoy
Predictable resources, idempotency keys, versioned endpoints, and a full-parity sandbox. Ship escrow without becoming an escrow company.
- Create your first escrow with a single POST request.
- Full-parity sandbox with simulated bank funding — no real money.
- Signed webhooks for every event, with automatic retries.
- Versioned, rate-limited endpoints with clear deprecation policy.
See every rupee, every state, in real time
A premium operator dashboard for finance and ops teams — escrows, disputes, reconciliation, and compliance flags in a single view.
Not a wallet. Not a payment gateway. Real escrow.
Payment aggregators move money. We govern it — with conditional release, disputes, and trustee adjudication that aggregators were never built for.
Non-custodial
Money never enters a TitanTrustee account. Lower risk, cleaner audits, real trust.
Dispute-native
Structured adjudication with SEBI-trustee partners — not email chains and goodwill.
Composable
Mix milestones, splits, and conditions to model any real-world settlement.
“We replaced weeks of manual escrow paperwork with a single API call. Funds stay in the bank, disputes are structured, and reconciliation just works.”
Questions, answered
Everything teams ask before they build on TitanTrustee.
No. We are strictly non-custodial. Funds always sit in escrow accounts at an RBI-regulated bank. TitanTrustee orchestrates the state machine and instructions — money never touches a platform wallet.
Most teams build their first escrow in a sandbox within an hour and move to production in days. Our REST API, signed webhooks, and SDKs handle the heavy lifting.
Vendor and supplier payments, marketplace split payouts, co-lending disbursement, P2P settlement, insurance payouts, gaming wallets, and more — any flow that needs conditional hold-and-release.
Disputes follow a structured lifecycle: raise → evidence → trustee review → resolution. SEBI-trustee partners can adjudicate where required, and every step is logged immutably.
Yes. We are built for PMLA-grade AML/KYC, maintain immutable audit trails, and partner with regulated banks and trustees. See our Security page for the full posture.
Ready to make every payment provably safe?
Spin up a sandbox in minutes. Move real money when you're ready — funds always stay in RBI-regulated bank escrow.