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BANK-GRADE CUSTODY & COMPLIANCE

Institutional Security & Zero-Trust Architecture

Every transaction processed on Escrow.com is backed by strict state banking regulations, FDIC-insured client trust segregation, and audited institutional cryptographic safeguards.

Client funds held in segregated non-interest trust accounts
Regulated and bonded under California DFPI License #9631867
FinCEN registered Money Services Business with AML/KYC screening
SECURITY TELEMETRY STATUSALL SYSTEMS VERIFIED
FinCEN Federal RegistrationActive MSB #31000185923145
VERIFIED
Client Depository VaultsTier-1 Depository (FDIC Insured)
SEGREGATED
In-Transit & At-Rest CryptographyTLS 1.3 / AES-256 GCM
ENCRYPTED
Surety Bond CoverageBonded Across 48 Jurisdictions
BONDED
Regularly audited by California DFPI Examiners

Four Pillars of Trust & Custody

Every facet of our technical infrastructure, financial controls, and legal frameworks is designed for zero-trust reliability.

Segregated Trust Accounts

Client funds are held in dedicated, non-interest-bearing escrow trust accounts at FDIC-insured tier-1 financial institutions, strictly isolated from operating capital.

End-to-End Encryption

All network communications utilize TLS 1.3 cryptographic protocols with modern cipher suites. Sensitive credentials and PII data are encrypted at rest with AES-256 GCM.

Regulatory Audits

Subject to recurring CPA financial audits, regular state banking division reviews, and third-party penetration tests by independent cybersecurity firms.

Multi-Factor Authentication

Support for hardware security keys (FIDO2 / WebAuthn) and TOTP authenticator apps. High-risk actions like wire disbursement require multi-tier authorization.

Technical & Compliance Specifications

Regulatory BodyCalifornia Department of Financial Protection & Innovation (DFPI) & 48 other states
Data Encryption in TransitTLS 1.3, Strict Transport Security (HSTS), Perfect Forward Secrecy
Data Encryption at RestAES-256 with Hardware Security Module (HSM) managed key rotation
Banking TierFDIC-insured Tier 1 institutional banking partners
Identity VerificationAutomated biometric liveness checks, AML PEP/Sanctions screening against OFAC
Disaster RecoveryGeo-redundant automated data replication with sub-minute RPO/RTO targets

Protected by the gold standard of online escrow

Over $8.3 Billion transacted safely with zero counterparty default losses.

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