PHOCIS Tech© was founded by financial engineers, compliance experts, and escrow-industry veterans — led by a United States Marine who knows discipline, speed, and integrity aren't values you list on a website. They're the only way forward.
PHOCIS Tech© was born from a single observation: every dollar in escrow is a dollar earning zero, controlled by someone who isn't the lender, monitored by no one in real time. We built the platform we wished existed.
Every product decision starts here. If a feature contradicts one of these, the feature loses.
Funds stay in segregated custody. Never commingled. Never controlled by a third party that gets to decide when you can access them.
50-state regulatory logic that runs on every transaction. Not a quarterly memo. Not a paralegal's checklist.
We earn through the treasury yield-share, never by skimming your operations. Aligned incentives, predictable cost.
Wells Fargo, not a startup neobank. Deposit insurance is subject to applicable limits and eligibility requirements. Boring infrastructure, on purpose.
If a contractor draw is approved, it clears that day. In writing. We back it with an SLA.
We move fast, but never recklessly. We innovate, but never compromise security. Semper Fi applies to engineering too.
Discipline, speed, and integrity aren't values you list on a website. They're the only way forward.
The team is financial engineers, compliance experts, and escrow-industry veterans who saw the inefficiencies and decided to remove them. PHOCIS exists because the people who built it lived inside the broken parts of private lending for years.
A share of every PHOCIS clearing account is committed to veteran-focused initiatives — leadership, community, and real opportunity for the people who served.
We don't just talk about impact. We built the rails to fund it. Our next charitable partner will be announced here.
A founding team built around financial engineering, regulatory expertise, and the discipline that only comes from having operated inside the systems we replaced.
Founding CEO. United States Marine. Spent years in the private lending trenches watching capital sit idle while contractors waited for draws. Built PHOCIS to remove the middlemen.
Financial engineers and compliance professionals who built the AI State Compliance Engine, the Wells Fargo integration, and the audit infrastructure that makes every transaction defensible.
Compliance counsel, banking partners (Wells Fargo Institutional, Priority LLC, Evolve Bank N.A., Axos Bank), and operators from the escrow and family office worlds.
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