The questions lenders, contractors, family offices, and investors actually ask us. If yours isn't here, book a call and ask it directly.
Yes. No platform fees. No per-sub-account fees. Free ACH and wires at a $100K+ account balance. We earn through the treasury yield-share, never by skimming your operations.
Your idle balance is held in U.S. Treasury-backed instruments through our Wells Fargo Institutional Custody integration. Yield accrues daily and is paid monthly. Rates are tiered by average float — starting at 1.0% APY and stepping up to a 2.25% APY cap at $10M+ (variable, subject to Treasury rates).
Yours. Funds are held in sub-accounts under your lender entity's EIN at Wells Fargo Institutional Custody. Never commingled with PHOCIS or any other lender's capital. Fully segregated, fully insured (FDIC + SIPC).
48 hours from application to initial clearance. Sub-accounts open in under three clicks after that. No 60-day implementation. No professional services contract.
Eight automated regulatory checks on every loan, refreshed daily against state-by-state statute. License lookups (NMLS, DRE, DFPI), agency approval verification (FNMA, FHLMC, GNMA, HUD, VA), bond and net-worth tracking, disclosure cadence enforcement, high-cost loan triggers, OFAC and AML screening, HBOR and servicing controls, and a 7-year evidence package per loan. Run the State Lookup →
Included per lender, no other platform offers it. Designed to give your E&O and crime carriers a defensible posture on your custody arrangement, which typically reduces renewal pricing.
If a draw is approved by the capital partner and clears the standard compliance check (lien waiver, schedule alignment, budget remaining), the funds release the same business day — ACH, FedNow, or RTP into your account. If we miss the SLA, we make it right. Available on the Tier 3 Guaranteed Contractor Pay plan.
The capital partner (lender, owner, or family office) sets up the project clearing account. You get invited as the contractor of record. You're up and submitting draws within an hour of accepting the invite.
Photo of completed work, lien waiver capture (digital signature on your phone), dollar amount, line-item description. Two minutes from start to submitted. Capital partner approves with one tap. Funds clear same day.
No. Legacy escrow companies often skim 0.5–2% off every draw. PHOCIS takes $0 from contractor payments.
$1M committed capital across the family office's PHOCIS treasury. Below that, we recommend using the Lender platform if you actively originate, or the Standard Clearing tier if you primarily need segregated property accounts.
Yes. Per-entity, per-property segregation under your master EIN structure. Holdco, opco, GP, LP, trust, IRA, individual properties — each gets its own sub-account with independent reporting and configurable yield distribution.
No. Discretion by design. No "investor login," no public-facing portal. Your office, your team, your access controls. AES-256 end-to-end.
Yes. Allocate from the treasury sub-account directly into a borrower's loan-level clearing account in one move. No intermediary wires, no QI middleman, instant settlement, full audit trail.
No. PHOCIS Tech© is a financial technology company. Banking services are provided through partnerships with Wells Fargo Bank N.A., Evolve Bank N.A., Axos Bank, and Priority LLC — all federally insured.
Founded by Nate Cater, United States Marine, with a founding team of financial engineers, compliance experts, and escrow-industry veterans. Read the story →
Yes. Pre-Seed round open: $250K, $10M valuation cap, SAFE. Confidential data room available to accredited investors at phocistech.com/investors →
Every PHOCIS account opened contributes to 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.
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