No way to hold funds
High-value deals leave the platform entirely
TRUST AS A SERVICE
Every rupee your business holds should be governed, not just stored
1,000+ enterprises. 15+ bank ecosystem. Live across India.
CastlerX is India's leading escrow orchestration platform — programmable fund-holding, conditional release, and audit-grade proof for enterprises and banks across India.
CastlerX Escrow Control Plane
LIVE
Protected balance
₹0
Pending release
₹3.2 Cr
Releases today
12
Dealer OEM — Toyota Kirloskar₹1,00,000Released ✓
RERA — Godrej Properties₹44,75,000Held 🔒
Co-lending — IIFL Finance₹1,09,00,000Approved ✓
Dealer OEM — Toyota Kirloskar₹1,00,000Released ✓
Agree
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Fund
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Hold
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Release
PROVEN AT SCALE
Operational infrastructure for enterprise and banking workflows
01CASTLERX
1000+
Enterprises empowered
02CASTLERX
15+
Integrated banks
03CASTLERX
90%
Fewer API integrations
04CASTLERX
ISO/IEC 27001
Certified
TRUSTED BY INDIA'S LEADING ENTERPRISES & FINANCIAL INSTITUTIONS
HDFC BankSBICanara BankUnion BankIndian BankIndia Post PaymentsPunjab & Sind BankMuthoot FinanceAxis FinanceJM FinancialFinova CapitalMahindra FinanceHDFC BankSBICanara BankUnion BankIndian BankIndia Post PaymentsPunjab & Sind BankMuthoot FinanceAxis FinanceJM FinancialFinova CapitalMahindra Finance
Piramal FinanceToyota Financial ServicesNSDLAvendusShivalik BankPerfiosNewgenCognifAISammaan CapitalBajaj CreditAmazonFlipkartPine LabsIIFLMyntraPiramal FinanceToyota Financial ServicesNSDLAvendusShivalik BankPerfiosNewgenCognifAISammaan CapitalBajaj CreditAmazonFlipkartPine LabsIIFLMyntra
EFFICIENCY AT SCALE
90%
Business efficiency
Delivered at scale
Measured through faster processing, fewer integrations, real-time visibility, and audit-ready control.
WHAT CHANGES OPERATIONALLY04 OUTCOMES
- 01Faster KYC/KYB processing
- 02Fewer API integrations
- 03Real-time dashboards
- 04Audit-ready by default
Payments infrastructure solved for speed Nobody solved for governance
The largest transactions in any economy — property sales, M&A, dealer networks, lending — are not the fastest ones. They are the ones where both parties need a neutral third party to hold the money until the conditions are met. That is what CastlerX does.
No multi-party control
Buyer and seller cannot both be protected
No conditional release
Nothing links payment to delivery or proof
No protected fee event
The largest flows create no governed product
Balances leave at payment
CASA exits at the moment trust matters
No intelligence layer
Fraud, AML, and compliance risks are addressed after the fact instead of in real time
The transactions with the highest value — property, vehicles, M&A, lending — don't just need to move. They need to be governed. That is the gap CastlerX fills.
THE PLATFORM
Escrow was the right idea Infrastructure is what it was missing
A traditional escrow agreement records an intention. It does not prove an outcome, enforce a condition, or give a regulator evidence. CastlerX is built on the opposite premise: that every rupee held in escrow should have a rule that governs it, a trigger that releases it, and a sealed record that proves it moved correctly.
Unified dashboard
Real-time balances, pending transfers, and per-bank visibility in one control plane.
Rule-based payouts
Automate splits, waterfalls, royalties, milestones, and VIN-linked releases.
Virtual escrow layer
One regulated master account with unlimited virtual sub-accounts and distinct rules.
Maker-checker
Configurable approval chains with immutable initiator, approver, time, and beneficiary records.
Auto reconciliation
Match inbound credits to orders and counterparties without spreadsheet operations.
Release triggers
Unlock funds through API events, documents, OEM confirmation, dates, or verification.
Audit trails
Preserve every approval and fund movement in an audit-ready transaction history.
API and SDK
Integrate once across 15+ partner banks and launch enterprise escrow in weeks.
Agentic Intelligence
Specialist AI agents handle fraud scoring, AML screening, agreement extraction, reconciliation, and compliance monitoring — in real time, governed by your escrow agreement.
Learn moreTwo ways to deploy One orchestration engine
Unified orchestration
Coordinate multiple hard escrow accounts through one API, dashboard, payout engine, and reconciliation layer.
- Existing bank legal structures remain intact
- Accounts consolidated in one view
- Rules and reconciliation automated
- Ideal for enterprises with bank relationships
Virtual escrow layer
One regulated master escrow at the bank with unlimited virtual sub-accounts underneath.
- Unique logic and reporting per virtual account
- Activation in minutes, not weeks
- One regulated account with network scale
- Ideal for banks, NBFCs, OEMs, and franchisors
| Parameter | Direct bank model | Via CastlerX |
|---|---|---|
| Hard escrows | One per relationship | One + virtual layer |
| TAT | Weeks | Minutes |
| Visibility | Fragmented | Unified |
| Payout logic | Manual | Rule-based |
| Reconciliation | Manual effort | Automated real-time |
LIVE CONTROL PLANE
One screen Every escrow account Every bank Real time
Illustrative interface showing governed balances, pending releases, transaction status, and bank-level visibility in one operating view.
Illustrative interface and sample account data
Every transaction that moves money between untrusting parties needs escrow
From a ₹40 lakh apartment deposit to a ₹400 crore M&A holdback — the engine is identical. The release condition changes. That is all.
ONE GOVERNED FLOWAny release condition
01Funds held
02Condition verified
03Release executed
01Co-lending & loan disbursement
Co-lending & loan disbursement
Hold disbursement capital, release on verified drawdown conditions, and automate repayment waterfalls from receivables.
Benefits: Prevents diversion · Reduces credit risk · Multi-program control
RBI IT §12(f) · RBI co-lending guidelines
02Dealer network & OEM
Dealer network & OEM
Dealer funds enter escrow; shipment and VIN confirmation trigger release to the distributor.
Benefits: VIN-linked delivery · Instant virtual account onboarding · Better cash-logistics synchronisation
Enterprise-defined release controls
03Franchisor-franchisee
Franchisor-franchisee
Aggregate outlet sales and split royalty, marketing pool, vendor payouts, and franchisee settlement in real time.
Benefits: Transparent royalties · T+0 settlement · Scales across outlet networks
Contract-governed fund flows
04Real estate & RERA
Real estate & RERA
Protect buyer advances and release against verified construction milestones under RERA India.
Benefits: Milestone release · Buyer protection · Developer credibility
RERA India
05Marketplace & trade
Marketplace & trade
Hold buyer funds until delivery is confirmed, then release to the seller or return in full.
Benefits: Neutral custody · Clear disputes · Protected transaction fee event
Marketplace settlement controls
06M&A holdback
M&A holdback
Hold consideration until share transfer, closing documents, and agreed post-closing conditions are verified.
Benefits: Balanced protection · Independent verification · Closing audit trail
Transaction-specific legal conditions
07Fintech & PA compliance
Fintech & PA compliance
Manage safeguarded funds, reserves, commission splits, and scheduled settlements for regulated payment flows.
Benefits: Reserve control · Commission automation · Scheduled settlement
RBI PA Directions
08Trust & retention accounts
Trust & retention accounts
Route inbound cash through a controlled waterfall for repayment, interest, and surplus release.
Benefits: First-charge automation · Reduced diversion · Secured repayment
Lender-defined TRA controls
09Alternative investments
Alternative investments
Hold capital pending diligence, regulatory approval, deployment milestones, or co-investor confirmation.
Benefits: Controlled deployment · Investor visibility · Fund administrator audit trail
Fund-specific governance
10Liquidation
Liquidation
Distribute proceeds in priority order under trustee or court supervision using a configured waterfall.
Benefits: Priority disbursement · Trustee compatible · Immutable records
Insolvency resolution plan
11P2P lending
P2P lending
Collect borrower repayments through escrow and split them at source across lender accounts without commingling.
Benefits: Automated collection · Lender visibility · Non-commingling
RBI P2P lending guidelines
12Disputes & litigation
Disputes & litigation
Hold funds neutrally until a judgment, arbitration award, or agreed settlement document is verified.
Benefits: Neutral custody · Court-order release · Legal audit trail
Court or arbitration conditions
FOR BANKS
The bank holds the account.CastlerX governs what happens to the money.
Banks are custodians of record. CastlerX is the orchestration layer — rules engine, approval workflows, virtual account fabric, and audit trail — white-labelled under the bank's brand. Every enterprise client the bank serves gets a self-service digital escrow experience. The bank retains the relationship, the CASA, and the fee income.
INDIA
Elevate enterprise escrow
Digitise onboarding, approvals, payout logic, visibility, and reporting across enterprise escrow relationships.
- Bank-branded SSO experience
- Fee income and CASA retention
- Built-in maker-checker and audit controls
- Connected Banking available for India
CUSTOMER PROOF
Trust shows up in how the workflow operates
Customer leaders describe simpler escrow operations, stronger transaction confidence, and bank infrastructure that stays at the core.
IN THEIR WORDS
“When it comes to trust and security, Castler's escrow solution delivers exactly that. What began as a niche solution to build more trust into transaction flows has now evolved into a versatile platform applicable across a wide range of use cases—from domestic to cross-border payments, gaming, real estate, and beyond. Castler simplifies complex escrow workflows, allowing businesses to bypass traditional banking hurdles while still anchoring security with underlying bank infrastructure.”
Tanya NaikHead of Online & Omni-channel Business, Pine Labs
Common questions about escrow banking
What is escrow banking and how does it work?
Escrow banking is a financial arrangement where a neutral third party holds funds on behalf of two parties until agreed conditions are met. CastlerX provides the orchestration layer — programmable release conditions, maker-checker approvals, and a sealed audit trail — while the funds are held at a regulated partner bank.
How is CastlerX different from opening a direct escrow account at a bank?
A direct bank escrow account gives you custody but no governance. CastlerX adds rule-based release conditions, virtual account fabric, automated reconciliation, and real-time reporting across multiple banks through a single API — reducing integration overhead by up to 90% compared to managing individual bank relationships.
Which regulators in India require escrow accounts?
RBI PA Directions 2024 require Payment Aggregators to hold customer funds in escrow. RERA mandates escrow for real estate developer advances. RBI co-lending guidelines require co-lender capital to be held in joint escrow pending verified drawdown conditions. RBI P2P lending guidelines require borrower repayments to be collected through escrow and split to lenders without commingling.
What is the difference between a hard escrow account and a virtual escrow account?
A hard escrow account is a separately opened, legally independent account at a regulated bank. A virtual escrow account is a sub-account under a single regulated master escrow, with its own rules and reporting but without requiring a separate bank account opening. CastlerX supports both models.