Who this is for
RBI-registered P2P lending platforms managing borrower repayments across multiple lenders.
USE CASE
P2P lending
Collect borrower repayments through escrow and split them at source across lender accounts without commingling.
How the workflow runs
How it works
Borrower EMI payments are collected into a platform escrow. CastlerX splits each payment at source — principal and interest proportionally distributed to each lender's virtual account — without any funds pooling in a common wallet.
Key outcome
RBI P2P guidelines compliance. Commingling risk is structurally eliminated.
Benefits: Automated collection · Lender visibility · Non-commingling
RBI P2P lending guidelines
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.