The Digital Clearing Platform for every hand that touches real estate capital. Lenders earn yield. Contractors get paid on time — guaranteed. Family offices replace the spreadsheet. Wells Fargo custodied. Zero fees, ever.
Six structural protections, standard on every account. Open any one of them.
Your funds sit at Wells Fargo — the same custody architecture behind trillions in institutional assets. Not a neobank. Not a wrapper.
Federal insurance on every dollar, as noted per product. Boring infrastructure, on purpose.
Your account. Your control. 24/7 access to distribute — with PHOCIS Tech© protection on every movement.
Per lender, included. A protection layer no other platform in this industry provides.
Timestamped audit trail. Seven-year retention. One-click export for your carrier, accountant, or regulator.
Eight automated checks per loan, refreshed daily against current statute. See the engine →
Hundreds of billions of dollars sit dormant in escrow, construction reserves, IOLTAs, and qualified-intermediary accounts — exposed to fraud, commingling, and slow draws. PHOCIS Tech© was built to close every one of these gaps.
PHOCIS Tech© is not a startup neobank. It's a Digital Clearing Platform built on top of Wells Fargo Institutional Custody — the same architecture that supports trillions in institutional assets — paired with the industry's first AI State Compliance Engine™.
Institutional-grade custody. Segregated. Sub-accounted. Held under the lender's own EIN — never commingled.
Federal insurance on every dollar. Plus $250,000 of audit coverage per lender — a protection layer no other platform provides.
Held funds finally earn yield. Treasury-backed, payable monthly. Configure to your structure.
The industry's first. Fully automated regulatory logic across all 50 states — refreshed daily, every law, every change.
No demo call required. This is the life of one construction dollar on PHOCIS — from funding to same-day release.
Capital lands in a dedicated Wells Fargo sub-account under the funding party's EIN. Never pooled. Visible to every party on the deal from minute one.
Idle balance accrues 1.0% Treasury-backed yield daily, paid monthly. In escrow, it earned zero.
The contractor submits from a phone — photo of the work, digital lien waiver, amount. Two minutes.
The AI State Compliance Engine™ checks licenses, lien waivers, schedule, budget, OFAC — automatically. The lender approves with one tap.
ACH, FedNow, or RTP. Receipt and audit trail attach themselves. If the draw is approved, the money moves that day. Period.
Real estate money doesn't move through one set of hands. It moves through five. PHOCIS Tech© was designed for all of them — and the friction between them.
Construction reserves, rehab holdbacks, and controlled disbursements sit dead in legacy escrow. PHOCIS gives you lender-controlled clearing at Wells Fargo, paying yield monthly, with same-day disbursement against the schedule. Held under your EIN.
See the Lender platform2026 wire fraud targets the space between your IOLTA and your lender clients' operating accounts. CTAPP tightened reconciliation on IOLTA — and left the held-funds gap wide open. Refer your lender clients to PHOCIS and become the firm that closed it.
Become a partner attorney82% of contractors wait 30+ days for payment. Not with PHOCIS. The moment a lender or owner funds your job, your draw lives in a Wells Fargo sub-account under your EIN — visible to you in real time. Submit a draw with photo + lien waiver. Funds release same-day. We back it with an on-time payment SLA. No escrow company taking 0.5–2% off the top. No service fees.
See the Contractor platform1031 Qualified Intermediaries and fund administrators handle billions in client funds with no federal regulation and routine commingling. PHOCIS provides Wells Fargo segregated sub-accounting, FDIC + SIPC, and daily reconciliation — the structural answer to the Foster Garvey memo.
Book an enterprise pilotFamily offices reconcile real estate cash — holdco operating funds, capex reserves, 1031 proceeds, security deposits, distribution accounts — across a patchwork of banks. PHOCIS gives you per-entity, per-property segregated sub-accounts at Wells Fargo, FDIC + SIPC, T-Bill yield on idle capital, and a daily audit trail your CIO can hand to the board. Direct-deploy into private credit allocations with on-chain settlement when you're ready.
See the Family Office platform82% of contractors wait 30+ days for payment under legacy escrow. Under PHOCIS, the funds are already sub-accounted to the job the moment the lender or owner funds it. Once a draw clears compliance and lien-waiver review, payment is released same-day — or we make it right.
Every dollar your bank holds at 0% is a dollar PHOCIS could be turning into yield. Drag the sliders. The number on the right is your money.
PHOCIS exists because legacy real estate banking has four structural failures that compound every closing, every draw, every exchange. Solving any one would matter. We solve all four.
$280B lost to slow construction payments in 2024. Lenders earn 0% on held funds. Hundreds of billions in real estate escrow sit dormant across the U.S. at any moment.
2026 wire fraud no longer attacks the IOLTA — it attacks the wire instructions mid-thread between the lawyer and the lender's operating account. Funds in non-custodied accounts are the soft target.
California CTAPP Rule 2.5 tightened IOLTA reconciliation but left held-funds untouched. 1031 QIs remain federally unregulated. State rules drift apart.
E&O and crime carriers increasingly exclude losses where funds sat in non-custodied operating accounts. Coverage now requires regulated custody — Wells Fargo, BNY, or equivalent.
A platform isn't an architecture diagram. It's a set of promises you keep every single day. Here are ours — backed by what we built.
We didn't set out to improve the system. We set out to replace it.
PHOCIS was founded by financial engineers, compliance experts, and escrow-industry veterans — led by a United States Marine who knows that discipline, speed, and integrity aren't values you list on a website. They're the only way forward.
Every PHOCIS account opened helps fund Tributary Charity Foundation — an organization helping veterans rebuild through leadership, community, and organic opportunity.
We don't just talk about impact. We built the rails to fund it.
Early-platform feedback from pilot lenders, shared with permission — names withheld. More on the way.
"PHOCIS completely changed our post-close capital strategy. We're generating consistent returns on funds that used to sit idle, with zero impact on our lending operations. The compliance automation alone is worth its weight in gold."
"As a direct lender, control is everything. PHOCIS gives us that control while optimizing capital we never thought could work for us. Wells Fargo custody and FDIC protection give us complete peace of mind."
"My subs used to wait two-plus weeks on every draw. With PHOCIS, approved draws clear the same day — every time. That alone changed how my crews show up on Monday."
Who it is for
Pick your path — every one runs on the same bank-custodied clearing rails.
Funds under your EIN, 24/7 access, and T-Bill yield on every idle balance.
Explore lenders →Your draw sits funded in a protected sub-account — yours on lien release.
Explore contractors →Quiet, bank-custodied, audit-ready — with idle reserves finally earning.
Explore family offices →Every sector gets a different demo. Pick the one that fits.