Escrow Stack provides infrastructure solutions for banks and fintechs, offering plug-and-play APIs for collections, payouts, and balance checks. The platform includes specialized products for digital escrow, UPI transaction management, and automated reconciliation via virtual accounts. These tools enable clients to streamline operations, enhance security, and accelerate the deployment of modern financial services.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional financial transactions often lack transparency and security, creating risks for buyers, sellers, and intermediaries due to potential fraud, non-fulfillment of contractual obligations, and disputes over payment terms. Existing payment processes can be complex and time-consuming, especially in industries like real estate, fractional investing, and B2B commerce, hindering trust and efficiency.
Solution
Escrow Stack provides a suite of digital escrow and banking APIs designed to secure and streamline financial transactions for banks, fintechs, and businesses. The platform offers a secure environment where funds are held until predefined conditions are met, ensuring that all parties fulfill their contractual obligations. By automating payment processes, providing real-time tracking, and offering dispute resolution mechanisms, Escrow Stack enhances trust and reduces the risk of fraud and chargebacks. Its modular architecture and API-driven approach enable businesses to integrate secure payment workflows into their existing systems, accelerating time to market and improving operational efficiency.
Target Audience
Escrow Stack primarily serves banks, fintech companies, marketplaces, lenders, real estate platforms, and businesses involved in B2B transactions seeking to enhance payment security, streamline financial operations, and build trust with their customers.
Features
- Digital Escrow: Securely holds funds until predefined conditions are met, with full APIs, onboarding, and controls.
- API Banking: Plug-and-play APIs for collections, payouts, balance checks, and virtual accounts.
- Payment Hub: Central system for routing, verifying, and managing payment transactions in real-time, ensuring compliance and smart fee logic.
- Bank as a Payment Aggregator (BAPA): Enables banks to act as payment gateways, supporting UPI, cards, and net banking with merchant onboarding and analytics.
- CUPI: Allows businesses to make expense payments directly from current accounts using UPI, with full control and real-time tracking.
- Digital Onboarding: Onboards users with digital KYC, contract signing, and e-stamping.
- Transaction Banking: Creates virtual accounts and automates reconciliation with ledgering tools.
- UPI Switch: Enables banks to issue UPI IDs and acquire UPI payments directly, including routing and load balancing.
- Connected Banking: Integrates banking directly into a business’s systems with real-time data access.