# PHOCIS Tech ©

> PHOCIS Tech is a digital clearing platform that replaces legacy escrow with a Wells Fargo-custodied clearing account held under the client's own EIN. Idle balances earn T-Bill yield, every transaction clears through a 50-state compliance engine, and clients keep full 24/7 control - with zero fees. PHOCIS Tech is not a bank; it is a fintech escrow alternative.

## What PHOCIS Tech does
- Replaces third-party escrow for direct & private lenders, contractors, and family offices.
- Funds are custodied at Wells Fargo, N.A. under the client's own EIN - not in a third-party escrow account.
- Idle capital earns T-Bill yield, tiered by balance; account control stays with the client 24/7.
- Zero fees to move funds; real-time visibility and daily reconciliation with an exportable audit trail.

## Who it is for
- Direct & private lenders: replace escrow, earn yield on idle payoff and reserve capital. https://phocistech.com/lenders/
- Contractors: draws funded up front, held in custody, released on a signed lien release - free to the contractor. https://phocistech.com/contractors/
- Family offices: one custody umbrella, a sub-account per entity, zero fees to move, T-Bill yield. https://phocistech.com/family-offices/

## Key pages
- Home: https://phocistech.com/
- Resources & guides: https://phocistech.com/resources.html
- The Lender's Guide to Replacing Escrow: https://phocistech.com/guide/

## Contact
- Book a call: https://phocistech.com/schedule-appointment
- Phone: 877.679.6879

Yields are variable and tied to U.S. Treasury / federal funds rates and may change at any time.