Security & Compliance
Built so your funds are never at risk.
PHOCIS replaces legacy escrow with bank-custodied clearing infrastructure. Lender funds are held under your own EIN, every transaction is gated through a 50-state compliance engine, and every account is reconciled and audit-ready daily.
Bank-grade custody
Funds are held in accounts custodied at Wells Fargo, under your own EIN — never commingled, never controlled by a third-party escrow officer. You retain ownership; PHOCIS provides the rails.
50-state compliance engine
Every loan and disbursement is checked against state-by-state regulatory logic for lender-held funds — fund-control rules, licensing tracks, and key statutes — so compliance is enforced at the transaction level, not after the fact.
Daily audit-ready reconciliation
Every entity and property is reconciled daily with a complete, exportable audit trail. Receipts and records are attached automatically, giving examiners and partners a clean, real-time view.
Coverage included
Audit coverage is included on every lender account — protection that no legacy escrow arrangement provides, at no additional cost to you.
Access & data controls
Access to funds and records is permissioned to your team, with controlled disbursements and a tamper-evident ledger. Data is encrypted in transit and at rest across the platform.
Aligned incentives
PHOCIS earns through a transparent treasury yield-share — not by skimming your operations. Predictable cost, no hidden fees, and a model your board and auditors can sign off on.
Request our full documentation.
Detailed security, compliance, and due-diligence documentation is available to qualified lenders and partners on request. Tell us what you need and we'll route it to the right team.
Request documentation →PHOCIS operates as a fintech partner of Wells Fargo. Specific certifications and reports are shared under NDA as part of partner due diligence.