The record before funds move.
Escrow teams already review wire instructions before a disbursement. Veto turns that review into one file-ready record before release.
The review already happens. Your file should prove it.
Veto records the review. Your escrow office remains the release authority.
- Disbursement
- Seller proceeds · $312,480.00
- What changed
- Destination account
- Change via
- email · domain not on file
- Account name
- no payee match
- Callback
- number on file · no answer
- Seller auth.
- not on file
- Evidence retained
- 5 of 6
- Office action
- Hold pending authorization
- Reviewer
- J. Martinez · before release
- Signed
- 2026-05-26T14:28 UTC
- Record hash
- sha256:4e3cf8a1…6af713
One review, one disbursement.
One file. One release. Here, the seller's net proceeds changed destination at the last minute.
How the change arrived.
New instructions arrived by email from an unknown domain, and the account name did not match the seller.
The checks that didn't clear.
Callback to the known number went unanswered, and signed seller authorization was not on file.
What's in hand, and what the office did.
Five of six expected items were present. With one gap open, the office held disbursement pending authorization.
Who signed it, and when.
Reviewer J. Martinez signed before release, with a timestamp anchored to the record.
Sealed, and file-ready.
The record closes with a hash and retained gaps, so the file can answer later without relying on memory.
One record that explains the disbursement decision.
Not a risk score. It is the receipt for what changed, what the office checked, and why funds were held or released.
See the format in The Standard and a completed example in File 26-2287.
“Escrow teams already do the review. Veto makes sure the file proves it.”
Can your file prove the release decision?
Before funds move, the file should show what changed, what was checked, what stayed open, and who signed off. Read the standard →
The review already happens. Keep one record that can answer later.
Veto records the review. Your escrow office remains the release authority.