Who this is for
RBI-licensed Payment Aggregators, BNPL platforms, and fintechs holding customer funds in India.
USE CASE
Fintech & PA compliance
Manage safeguarded funds, reserves, commission splits, and scheduled settlements for regulated payment flows.
How the workflow runs
How it works
Customer funds are held in an RBI PA-compliant safeguarded escrow with governed reserves, commission splits, and scheduled settlements.
Key outcome
Licence compliance without manual fund management. Auditors receive a real-time dashboard.
Benefits: Reserve control · Commission automation · Scheduled settlement
RBI PA Directions
More escrow use cases
Co-lending & loan disbursement
Hold disbursement capital, release on verified drawdown conditions, and automate repayment waterfalls from receivables.
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.