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SwifTrail
ESCROW & BANKING PIPES

Escrow-grade control. Multi-bank resilience.

Hold, split and release funds through Kotak Mahindra Bank escrow accounts, and move money on 25+ banking and RBI-licensed aggregator pipes — all managed from one platform.

  • Marketplace Escrow
  • Lending Escrow
  • Nodal / Collection Accounts
  • Real-estate & High-value Escrow
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Facilitated through RBI-licensed Payment Aggregator partners & partner banks · PCI-DSS compliant infrastructure

Scope your escrow

Escrow structures are built per use case. These answers shape the account, the release logic and the bank.

Answer 2 more questions to continue.

Escrow built for platforms that hold other people's money

Marketplace Escrow
Collect from buyers, hold until delivery, release to sellers with automatic commission splits.
Lending Escrow
Disburse and collect through escrow structures for co-lending, BNPL and P2P models.
Nodal / Collection Accounts
For aggregators, franchise networks and agent ecosystems.
Real-estate & High-value Escrow
Milestone-based release for property, M&A and B2B trade.
Payroll & Vendor Escrow
Ring-fenced funds for guaranteed on-time payments.
Controls
Rule-based release, maker-checker, real-time ledger, complete audit trail, API + dashboard.

25+ pipes. One contract.

SwifTrail maintains live integrations with multiple partner banks and RBI-licensed Payment Aggregators for both pay-in and payout.

Higher success rates
Traffic goes where it succeeds.
No single point of failure
Bank downtime becomes invisible to your customers.
Faster go-live
One agreement, one KYC, every pipe.
Best-fit routing
Choose by success rate, cost, settlement speed or compliance rule.

Who uses this

MarketplacesFintech lendersGig platformsFranchise networksReal-estate platformsB2B trade platforms

Frequently asked questions

Whose escrow account is it?

Escrow accounts are opened and maintained with Kotak Mahindra Bank (and other partner banks as applicable) under a tripartite arrangement; SwifTrail provides the technology and workflow layer.

Who controls fund release?

Release rules are configured by you and executed with maker-checker controls; the bank executes per the escrow agreement.

Can escrow work with payouts and pay-in?

Yes — escrow is natively connected to SwifTrail Pay-In and Payouts.

Talk to our banking-solutions team.

Escrow structures, nodal accounts and multi-bank routing designed around your model.

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