998
DFPI-licensed escrow branches in California
Source: DFPI roster via EscrowMapBefore buyer funds move, build the record of who decided to send.
Veto is the review record California escrow offices keep before funds are released. The file shows what changed, what was checked, what stayed open, and what the office decided to do. The office decides. Veto records the review.
One closed payoff demand. Browser-only. No live funds, no bank login, no release authority. Veto does not approve, verify, authorize, or release funds.
What the other tools don’t record.
CertifID and Qualia can prove the wire was verified. Can your file prove who decided to send when something didn’t match? That decision — the override at release — is the one thing none of their logs show. That’s the only thing Veto records.
The office decides. Veto records the review.
The numbers behind the file.
$16.6B
FBI-reported US cybercrime losses, 2024
Source: FBI IC3 2024 Annual ReportSourced stats only. No claim without a source, no chart without a claim.
A Review Record is what the file couldn’t show before.
Trigger, evidence, check result, limitation, office action, reviewer, timestamp, and hash. One file-ready page per review. The office decides whether to hold, release, reject, or escalate. Veto records whatever the office decided.
Run one control test on one closed file.
Mark only what the file itself can prove. If the answer depends on memory, inbox, or phone notes, the review did not survive in the record.
The office decides. Veto records the review.