With a wire, the buyer handles routing numbers and account details — often sent over email, which is the #1 attack vector for wire fraud. CertifID removes that entirely. Buyers connect their bank via Plaid and submit payment through a guided, verified flow. They never see wire instructions. And unlike a wire, every CTC payment is backed by CertifID's Fund Finality commitment — if something goes wrong after escrow credit, we own the recovery, not you.

Buyers who submit payment by 3:00 PM ET will have funds released to escrow at 8:00 AM ET the next business day. Buyers who submit after 3:00 PM ET receive a second-business-day commitment. All delivery dates automatically account for weekends and federal bank holidays. The exact delivery date is displayed to the buyer before they submit — no estimates, no ranges.

No buyer is ever left at a dead end. If a buyer hits a guardrail — their balance is insufficient, they're trying to pay on closing day, their bank doesn't support Plaid, or their account type isn't eligible — they're automatically redirected to your wire instructions with clear guidance. We even track "buyer downloaded wire instructions" as an event in your portal so you always know what happened.

CertifID assumes all ACH return risk once funds are credited to your escrow account. If a payment is returned after escrow credit — for any reason — CertifID manages recovery directly from the buyer. Your payment status stays "Completed," your escrow account is never debited, and your team never interacts with the failure. Delivered funds are truly final.

The launch limit is $500K per transaction, which covers approximately 70% of all cash to close requests based on 2024–2025 data. For amounts above $500K, the system seamlessly redirects the title agent to wire instructions — pre-populated and frictionless, not a dead end. An increase to $750K (covering ~86% of requests) is on the roadmap.