For Direct & Private Lenders. Built right.

Replace escrow with neutral third-party custody at Wells Fargo — segregated, never commingled, with 24/7 access for your team. Earn T-Bill yield on every idle dollar. Gate every loan through a 50-state AI compliance engine. Zero fees, ever.

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Wells Fargo Custody FDIC + SIPC $250K Audit Coverage 50-State Compliance

Lenders, in 15 seconds

Watch what your held funds look like on PHOCIS rails.

Sound on. The same money — different rules. Every dollar held in segregated custody at Wells Fargo, every draw approved by your team, every move earning T-Bill yield while it waits.

More than escrow.

The lender capital problem

Your held funds are bleeding. We stop it.

Construction reserves, rehab holdbacks, controlled disbursements — they sit dead in legacy escrow at 0%, exposed to commingling, slowed by manual reconciliation, and accountable to a third party instead of you.

$425K

Average idle capital per active lender, earning $0 in legacy escrow

APY traditionally earned on those held funds

1.0–2.25%

Tiered T-Bill yield by average float, paid monthly

$250K

Audit coverage per lender — included, no other platform offers it

The AI State Compliance Engine™

50-state regulatory logic that runs on every transaction.

Every state treats lender-held funds differently. Hover a state for the short version of what its law requires. Click for the full breakdown — the rule, what it means for you, and where PHOCIS fits.

Tier 1 · Mandated fund control The state requires or licenses the third party holding your loan funds.

Tier 2 · Statutory trust states Construction and loan money carries trust character by law — misapplication brings civil or criminal liability.

Tier 3 · Licensing-trigger states Business-purpose lending trips a license or registration based on collateral, rate, or borrower.

Tier 4 · Standard framework Universal fund-holding principles apply; state license lane confirmed, scope in verification.

PHOCIS operates as a fintech partner of Wells Fargo. Client funds sit in Wells Fargo business banking accounts, accessed through structured controls pre-verified with Wells Fargo's underwriting team — bank-grade coverage in all 50 states.

The lender architecture

The neutral third party. Custodied at Wells Fargo.

Not a neobank. Not a fintech wrapper. The same institutional custody trillions of dollars in pension assets sit on, configured for direct & private lenders.

Lender-controlled sub-accounts

Each loan, each draw, each holdback — its own segregated sub-account — never commingled. Three clicks to open. Never commingled.

Funds stay yours. No middleman approving when you can access them.

T-Bill yield, paid monthly

Treasury-backed yield on every idle balance. Daily accrual. Sweep rules configurable per sub-account. Optional yield-share with the borrower.

$425K idle at 1.0% = $4,250/year of new revenue per lender.

48-hour onboarding

Initial clearance in two days. Sub-accounts open in under three clicks after that. Wells Fargo custody mechanics, modern UI.

No 60-day implementation. No professional services contract.

$250K audit coverage included

Per lender. A protection layer no other platform in this industry provides. Insurance-carrier-friendly custody posture.

Real cost reduction on your E&O and crime renewal.

How clearing works

Protected in custody. Yours to move.

Funds sit inside PHOCIS Tech© protection while you keep full 24/7 access to distribute.

Revenue Calculator

What your idle capital should be earning.

Drag the sliders. The number on the right is the money you're walking away from every month.

Idle Capital$5,000,000

$100K$50M

Assumed Yield1.00%

0.50%2.25%

Monthly Revenue

$4,167

on idle capital that's currently earning nothing

Annual

$50,000

5-Year

$250,000

Variable. Actual revenue depends on PHOCIS configuration, balance tier, and Treasury rates.

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The difference

Legacy escrow vs. PHOCIS clearing

Same funds. A completely different outcome for the lender who holds them.

Legacy escrow

✕Idle balances earn you nothing
✕A third-party escrow officer gatekeeps every disbursement
✕Compliance checked by hand, after the fact
✕Reconciliation whenever someone gets to it
✕You wait on statements for any visibility

PHOCIS clearing

✓Idle balances earn T-Bill yield
✓True third-party custody — your team keeps 24/7 access
✓Every transaction gated by a 50-state compliance engine
✓Reconciled daily with an exportable audit trail
✓Real-time visibility, any time

Coming soon

Send your money as tokens — to any wallet, anytime.

Soon, private lenders on PHOCIS Tech © will convert custodied payoff and reserve capital into USDC and send it to any wallet, any time. Wallet-to-wallet transfers are free — a small fee applies only to cash-to-crypto conversion.

Cash→USDC→Any wallet

Conversion rates, fees, and terms may change at any time — up or down — in line with the federal funds rate and market conditions. Cash-to-crypto conversion carries a transaction fee and is subject to eligibility, identity verification, and availability. Digital assets are not FDIC-insured and may lose value. Not financial advice.

Free one-page breakdown

The Lender’s clearing & yield breakdown

Yield tiers, custody, and how clearing works — on one page. Tell us where to send it.