Veto for escrow officersDaily

Act with confidence. Defend it later.

A fast path to a Review Record before you release — and an exception path that's impossible to hide. The green path closes in under sixty seconds.

Green path · under 60s Exception · one approval, fully recorded Material change · auto-blocked
REVIEW RECORDSettlement Funds Instruction
Current
Prepared byM. Okafor · Escrow Officer
Recorded inVeto · File 24‑10882
Covered instruction
Release seller proceeds
Sources reviewed 3
  • Written instruction Signed · current
  • Settlement statement Matched
  • Account / payee check Matched — not live bank confirmation
This record shows what the office reviewed before acting. It does not authorize, guarantee, or release funds.
GREEN PATHSign & record
0:48
Ready to release
No material changes
Your three questions

The questions you ask before you act.

01
Can I act?

A fast, clear yes.

Confirm the extracted values, review the limitations, sign. When sources are present and nothing changed, the record is done in under a minute.

02
Can I defend this later?

A file-native record.

Every release leaves behind exactly what you relied on — sources, limitations, and your sign-off — written to read like part of the closing file.

03
Am I exposed?

Limitations stay visible.

“Matched — not live bank confirmation” is on the record, not buried. You act on a clear picture, and the office decides.

The green path

A record in under a minute — not another form.

Veto prefills source rows from the documents already in the file. You confirm what's right, see what each source does and doesn't prove, and sign. That's the record.

AI may prefill, but you confirm. Low-confidence inputs never quietly sign themselves off as current.

REVIEW RECORDRelease seller proceeds
Current
Prepared byM. Okafor · Escrow Officer
Green path0:48 to sign
Sources reviewed 3
  • Written instruction Confirmed
  • Settlement statement Matched
  • Destination account Unchanged
The office decides and acts under its escrow instructions and policies. Veto records the review.
Prior Review Record is stale. Seller proceeds destination changed after review. Create a v2 record or request an owner-approved exception.
REVIEW RECORDRelease seller proceeds
Stale
Material change detected
  • Seller destination Changed 11:42 AM
  • Prior record Superseded
  • Covered instruction Blocked pending v2
A release supported by a stale record cannot proceed. The block is automatic.
When the file changes

You're not the one who has to remember.

A changed payoff, a new destination account, a re-cut settlement statement — when a material value moves after you signed, the prior record goes stale and the release is blocked automatically.

No silent reliance on yesterday's review. Sign a v2, or request an exception with the limitation named.

Why not the tools you already have

Nothing you run today controls the moment you release.

Your system of record stores the file. A verification check looks at one data point. Neither stops a release on a stale or unsupported record — that's the gap Veto closes.

Before a covered money instruction
Veto
Verification
System of record
Reconciliation
Records what the office relied on before it acted
Partial
Blocks a release on a stale or unsupported record
Makes each source's limitation visible on the file
Partial
Requires a named approver for every exception
Stales the record automatically when the file changes
Produces a reconstructable audit packet
Partial
Partial

Veto sits on top of these tools — it doesn't replace them. It turns what they output into a controlled, recorded decision to act.

How Veto works

Model the state transition that matters.

Veto controls the moment an office converts mutable evidence into an accepted state — and then acts on it.

Input
Mutable evidence
Emails, PDFs, payoff demands, wire instructions, callbacks.
State
Accepted office state
Normalized into source rows, each with visible limitations.
Action
Covered instruction
The action policy says cannot proceed without review.
Control
Review Record, exception, or hold
A green path under 60 seconds, or an exception that cannot hide.
Outcome
Defensible by default
The file shows what the office relied on before it acted.
Boundary

Veto records the review. It does not act.

What Veto does
  • Defines covered instructions that cannot proceed without review
  • Normalizes evidence into source rows with visible limitations
  • Produces Review Records, exceptions, holds, and audit packets
  • Stales records when a material value changes after sign-off
  • Records who reviewed, who approved, and what was relied on
What Veto does not do
  • Move money, or replace the bank portal or system of record
  • Approve a release, or turn a check into permission
  • Authenticate payees beyond a source’s actual claim
  • Provide legal, title, or tax advice; interpret trust powers
  • Guarantee safety, clear fraud, or make funds safe to send

The office decides and acts under its escrow instructions and policies.

Why this matters

The fraud lands at the moment you act.

$122K
average loss per business email compromise complaint in 2025
86%
of BEC losses move by wire or ACH — fast, and often unrecoverable
#2
BEC is the second-largest cybercrime category by dollars

Sources: FBI IC3 2025 Internet Crime Report · ALTA / industry reporting. Reported losses understate true exposure.

Straight answers

What this means for your day.

Will this slow me down?+
No. The green path targets under sixty seconds once sources are present. Veto prefills the source rows from documents already in the file; you confirm and sign. The work it removes is the re-checking and the after-the-fact “what did I rely on?”
What if a source is missing or stale?+
The covered instruction is held and a queue item tells you exactly what's needed. You resolve it, or request an owner-approved exception with the limitation recorded. Nothing proceeds on a gap by accident.
Does Veto decide for me?+
No. The office decides and acts under its escrow instructions and policies. Veto records the evidence state and your review — it doesn't approve, release funds, or make a file “safe.”
What happens on a busy Friday?+
The same green path, the same exception path. The control is designed so it doesn't become the thing you skip when you're slammed — that's the point of it.
Request access

Release with a record — in under a minute.

Veto is rolling out with a small group of escrow and title offices. See the green path on one of your real files.

Prefer to look first? See a sample Review Record.