D
Multi-party dealsMilestone schedulesDeal templatesConfigurable fee splits
Deal & agreement builder
Define parties, amounts, fee splits and release conditions from the console or API, as a single payment or a milestone schedule.
Programmable escrow
Hold the Money Until the Condition Is Met
Zethic Escrow & Conditional Settlements is an escrow platform you run under your own brand. Hold funds in segregated accounts, release them automatically when the agreed conditions clear, and pay every party at once on an append-only record.
These brands, Trust Us
What it is
Escrow as software: conditions in, settlement out
The platform holds money for two or more parties and releases it only when their agreed conditions are satisfied. Those conditions are configuration, not paperwork.
Funds sit in segregated client-money accounts, and every state change is written to an append-only log with the actor, the rule and the evidence.
- Segregated client money
- Conditions as rules
- Multi-party settlement
- Append-only audit trail
Capabilities
From deposit to release, with the conditions in between
Five modules sharing one ledger and one audit trail.
curl -X POST \ api.zethic.io/v1/conditional-release-engi \ -H "Authorization: Bearer ***"
200 OKZTH-COND-2451142 ms
Conditional release engine
Conditions evaluate continuously against webhooks, verified documents, e-signatures, inspection results, elapsed time or a named approval.
Segregated ledger & accounts₹ 30,000
S
Double-entry ledger
Per-deal balances
Bank reconciliation
Segregated ledger & accounts
Funds are held in segregated client-money accounts and tracked in a double-entry ledger per deal, milestone and party, reconciled daily.
DDispute & resolution workflow
Milestone-level freeze
Evidence timeline
Escalation & SLAs
₹ 68,000
Dispute & resolution workflow
A dispute freezes only the milestone it concerns, gathers evidence on a timeline, and records the outcome as a ledger transaction linked to the case.
Payouts, refunds & reporting₹ 30,000
P
Multi-party settlement
Partial refunds
Per-party statements
Payouts, refunds & reporting
On release, seller, platform fee, commission and withholding settle in one run, with per-party statements and ERP-ready journals.
See it on your deal shape
Bring one transaction type and the conditions you settle it on today. We will model it as a template and run it end to end, including a dispute.
Inside the platform
Three surfaces between a deposit and a release
Your operators, the parties to the deal, and your engineers.
Deal console
Structure a deal and watch it run
Set parties, amounts, fee splits and release conditions, then track each milestone against the segregated ledger.
- Deal templates
- Milestone schedules
- Per-deal balances
- Fee split configuration
Dispute workspace
Evidence, timeline and outcome in one case
A disputed milestone freezes on its own while evidence is gathered on a timeline and the outcome is recorded.
- Milestone-level freeze
- Evidence timeline
- Escalation & SLAs
- Outcome linked to ledger
API & webhooks
Conditions your product can satisfy
Create deals, satisfy conditions and receive release events from your own platform without touching the console.
- Deal creation endpoints
- Condition triggers
- Release webhooks
- Sandbox environment
Why teams switch
Escrow you run under your own brand
Four reasons platforms stop holding client money in a pooled account.
Your brand, your bank
The banking relationship and any client-money authorisation stay yours; the platform runs under your brand.
Conditions you define
Release logic takes signals from your own product events and the partners you already use.
Multi-party payouts
Seller, platform fee, commission and withholding all settle in one run with per-party statements.
Audit-ready by default
Client-money questions resolve from per-deal balances and an append-only log of every movement.
How it's different
A client account and an email thread, or rules and a ledger
Manual escrow works until the tenth simultaneous deal.
A client account + manual release
One pooled bank account, release decided by email, tracked in a spreadsheet.
- Release waits for someone to read an email
- Deal balances tracked in a spreadsheet
- A dispute freezes the whole transaction
- Conditions live in a contract PDF nobody checks
- The audit trail is a mailbox and whoever remembers
Zethic Escrow & Conditional Settlements
Segregated accounts, conditions as rules, and a ledger behind every movement.
- Release fires the moment the condition clears, any hour
- Double-entry ledger per deal and milestone, reconciled daily
- A dispute freezes only its milestone; the rest settles
- Conditions are executable rules evaluated against real signals
- Append-only log of every change with actor, rule and evidence
How it works
One deal, from funding to final settlement
- 01 Create
Structure the deal
Parties, amounts, milestones, fee splits and release conditions are set from a template or the API, and both sides see the same terms before money is committed.
- 02 Fund
Money lands in escrow
The buyer funds by transfer, card or instant rail.
- 03 Condition
The condition clears
A delivery webhook, signed milestone, verified document, inspection result or approval satisfies the rule.
- 04 Settle
Everyone gets paid at once
Settlement executes across every party in one run, statements are issued, journals export to the ERP, and the deal closes with a complete record.
See it before you commit
Rollouts usually start with a single deal type modelled as a template and run in parallel with your existing process before volume moves across.
Use cases
Where holding the money is the whole business model
For deals where one party pays before the other has performed.
01 B2B marketplace
A trade platform between buyers and suppliers
The buyer funds the order, the supplier ships, and a delivery webhook releases payment with commission and withholding split in the same run.
Payment on confirmed delivery, no chasing
02 Services
A freelance or project platform paying by milestone
Each approved milestone releases its portion immediately, while a disputed one freezes only its own amount and the rest keeps paying out.
Milestone-level release and dispute
03 High value
A property or vehicle transaction
Funds are held against document conditions such as title verification, inspection sign-off and registration transfer, with dual approval on settlement.
Release gated on verified documents
04 Regulated intermediary
An agent or broker holding client money
Client funds sit in segregated accounts with per-client balances that reconcile to the bank daily and an append-only trail for audits.
Client-money audit answered from the ledger
Integrations
It connects to the banks, signals and back office you already run
Release signals come from the systems that already know the truth.
Escrowcore Client-money bank accounts Payment gateways Instant payment rails Virtual account providers Payout & disbursement rails Logistics & delivery webhooks E-signature providers Inspection & QA systems
Security & compliance
Built for a client-money and security review
Where the money sits, who can move it, and what is recorded.
Client money stays segregated
Escrow balances are held in segregated client-money accounts, never commingled with operating funds, and reconciled to the bank daily.
Encryption everywhere
AES-256 at rest with per-tenant key separation and TLS 1.3 in transit, with keys in a managed KMS or HSM under documented rotation.
Append-only settlement audit trail
Every deposit, condition evaluation, hold, release, dispute action and settlement is logged with the actor, the rule and the evidence referenced.
Data residency you choose
Deploy into your own cloud account or a regional tenancy, with per-market tenancies isolated from one another.
- Segregated client-money model
- AES-256 / TLS 1.3
- ISO 27001 controls
- GDPR-aligned data handling
- SOC 2 Type II In progress
- PCI DSS via payment partners
Why choose us
Why teams trust Zethic to hold the middle of a transaction
Escrow software fails loudly: money released early, or a balance that will not reconcile.
Book a demoA regulated-systems team
We build and maintain software for banks, lenders and payment companies, with the change-control and audit discipline that demands.
Ledger-first, always reconciled
Every movement is a double-entry posting against a segregated account, so per-deal balances tie to the bank daily.
Real running software, not a deck
The demo runs a real deal end to end: funding, a condition firing, a dispute, and a multi-party settlement.
Conditions are yours to define
The release engine takes signals from your own product events and existing partners, so escrow logic matches your commercial terms.
Client reviews. Real outcomes.
What our clients say
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
Frequently asked
Answers to your questions
Still unsure? Send us the question you actually need answered and a senior engineer will reply.
Book a demoWhere are escrowed funds actually held?
In segregated client-money accounts at your banking partner, never commingled with operating funds, tracked per deal and party and reconciled daily. The banking relationship and any client-money authorisation remain yours.
What kinds of release conditions can it enforce?
Anything a system can verify: a webhook from your product or a logistics partner, an e-signature, a verified document upload, an inspection result, a named approval or elapsed time. Conditions combine with and/or logic and can require dual approval.
Is our data and our clients’ data secure?
Data is encrypted with AES-256 at rest using per-tenant key separation and TLS 1.3 in transit, with keys in a managed KMS or HSM. Console access requires MFA, roles are scoped and time-boxed, and every action against a deal is written to an immutable audit log.
Can it integrate with our marketplace, ERP and banking partners?
Yes. Deals, milestones, conditions, disputes and settlements are exposed over versioned REST APIs and signed webhooks with idempotency keys and OpenAPI specs. Banks, gateways, payout rails, KYC vendors and document-verification providers are connectors behind documented interfaces.
Where is it hosted, and how does it support client-money compliance?
You choose: your own cloud account or a regional tenancy, with isolated per-country tenancies available so data stays in your required jurisdiction. It provides segregated accounts with daily reconciliation, KYC and KYB capture with sanctions and PEP screening before funds move, maker-checker approval on manual releases, and an append-only audit trail. Licensing and regulatory authorisation remain yours as the operator.
See escrow run on your own deal shape
Tell us what you hold money against today and where releases get stuck. A senior engineer will model your deal as a template and run it through funding, conditions, a dispute and settlement.
Share your context
Deal types, volumes and banking partners. We sign an NDA first.
See a live walkthrough
A funded deal, a condition firing, a frozen milestone and a settlement.
Get a rollout plan
Deal templates, condition sources, banking setup and licensing.
See escrow run on your own deal shape
Tell us what you hold money against today and where releases get stuck. A senior engineer will model your deal as a template and run it through funding, conditions, a dispute and settlement.