How it works

A deterministic escrow state machine you can trust

Drive the entire lifecycle from code or the dashboard. Every state change is observable, signed, and reconciled — so trust becomes infrastructure.

The lifecycle

Four steps, fully observable

From intent to settlement — with the bank holding funds the entire time.

1 · Create the escrow

Define the agreement: parties, amount, currency, and the exact conditions that release funds.

  • Single API call or dashboard
  • Milestones, splits, and deadlines
  • Reference your own order IDs

2 · Fund into a bank vault

The buyer funds a dedicated virtual account inside an RBI-regulated bank. TitanTrustee never holds the money.

  • Dedicated virtual account per escrow
  • Bank webhook confirms funding
  • Status moves to FUNDED instantly

3 · Verify the conditions

Delivery proofs, milestone approvals, and KYB/AML checks unlock the release gate — automatically or with approval.

  • Upload proofs or trigger acceptance
  • KYB & sanctions screening
  • Dispute path if something's wrong

4 · Settle & reconcile

Release single or split payouts. Every transition is signed, logged, and reconciled against the bank ledger.

  • Single or multi-party payouts
  • Signed webhooks on release
  • Auto-reconciliation & audit trail

State machine

Every escrow moves through clear, signed states

No ambiguous in-between. Each transition emits a signed webhook your systems can rely on.

CREATED
AWAITING_FUNDING
FUNDED
IN_VERIFICATION
RELEASED
DISPUTED
REFUNDED
Under the hood

Non-custodial by architecture

TitanTrustee orchestrates instructions; regulated banks hold the funds; trustees adjudicate disputes.

IMG-ARCH-01Architecture diagram: your app → TitanTrustee API → RBI-regulated bank (escrow vaults) + SEBI-trustee partner, with webhook & ledger flows.

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.