Who this is for
Banks and NBFCs in RBI-sanctioned co-lending arrangements and lenders running multi-tranche term loan disbursements.
USE CASE
Co-lending & loan disbursement
Hold disbursement capital, release on verified drawdown conditions, and automate repayment waterfalls from receivables.
How the workflow runs
How it works
Co-lender and originator capital is held in a joint escrow and released on verified drawdown events — loan approval, property registration, or invoice confirmation. Repayment waterfall splits are automated from incoming receivables.
Key outcome
Eliminates capital diversion risk, reduces credit operations overhead, and provides a single audit trail for both lenders across the loan lifecycle.
Benefits: Prevents diversion · Reduces credit risk · Multi-program control
RBI IT §12(f) · RBI co-lending guidelines
More escrow use cases
Dealer network & OEM
Dealer funds enter escrow; shipment and VIN confirmation trigger release to the distributor.
Franchisor-franchisee
Aggregate outlet sales and split royalty, marketing pool, vendor payouts, and franchisee settlement in real time.
Real estate & RERA
Protect buyer advances and release against verified construction milestones under RERA India.
Marketplace & trade
Hold buyer funds until delivery is confirmed, then release to the seller or return in full.
M&A holdback
Hold consideration until share transfer, closing documents, and agreed post-closing conditions are verified.
Fintech & PA compliance
Manage safeguarded funds, reserves, commission splits, and scheduled settlements for regulated payment flows.