HOW IT WORKS

How a protected transaction runs end to end

Agree, fund, hold, verify, release. CastlerX governs every step between the enterprise that owns the customer and the bank that holds the account.

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LIVEEscrow Control Plane

ESC-IND-2048

Protected balance₹234.9 Cr15 partner banks · reconciled

1Agreement parsedprocessing

2Funds safeguarded

3Condition verified

4Release approved

Release activityNOW

Godrej Properties₹44.75LHeld

IIFL Finance₹1.09CrApproved

Toyota Kirloskar₹1.00LReleased

Maker-checker policy enforced

Agree, fund, hold, verify, release

Agree

Both sides define terms

Fund

Buyer pays into escrow

Hold

Balance stays visible

Verify

Condition is confirmed

Release

Funds move or return

The enterprise owns the customer The bank holds the account CastlerX governs what happens in between

Enterprise

— Consumers
— Merchants
— Business clients

CastlerX engine

— Virtual accounts
— Conditional release
— Approvals & splits
— Reconciliation & AML

Partner bank

— Master escrow
— Bank rails
— Custodian of record

Every transaction passes through an agentic intelligence layer

AI-NATIVE

Before any fund release, CastlerX runs every payout through a multi-agent pipeline — agreement intelligence, fraud scoring, AML screening, payout orchestration, and human review when required.

Agree

Agreement Intelligence extracts rules

Fund

Buyer pays into escrow

Hold + score

Fraud, AML, and payout agents apply rules

Release

Transfer executes on green; HITL if amber

The escrow agreement is not just a document. It is the rule set the agents enforce at execution time.

Explore the full Agentic Platform

Two deployment models

MULTI-BANK

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

SCALE

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

Read the API documentation Explore the full platform

How a protected transaction runs end to end

Agree, fund, hold, verify, release

Agree

Fund

Hold

Verify

Release

The enterprise owns the customer The bank holds the account CastlerX governs what happens in between

Enterprise

CastlerX engine

Partner bank

Every transaction passes through an agentic intelligence layer

Agree

Fund

Hold + score

Release

Two deployment models

Unified orchestration

Virtual escrow layer

Ready to make escrow programmable