Veto for escrow & title ownersControl

Know your office is under control — today.

Set the instructions that cannot proceed without a Review Record. The Review Register shows you, file by file, whether the rule held — current, stale, exceptioned, or missing.

Coverage · file by file Exceptions · named approver, recorded reason Audit packet · one export
Review Register // 11 files closing today
CoverageMissingStaleExceptions
Covered instructionFileReviewerStatus
Release seller proceeds24-10882M. OkaforCurrent
Accept updated payoff demand24-10774D. ReyesException
Accept changed seller destination24-10913Blocked
Treat buyer funds as usable24-10905J. PrattCurrent
Coverage today
94%
covered instructions with a current record or approved exception
The owner's view

The questions you answer to everyone else.

01
Will my office hold?

A rule, not a hope.

You choose which instructions cannot proceed without a Review Record. Veto enforces it — no record, no covered instruction.

02
Where's my exposure?

Stale and missing, surfaced.

The Review Register shows every covered instruction that's blocked, stale, or running on an exception — before it becomes a loss.

03
Can I prove it?

One audit packet.

Policy version, source manifest, event log, exceptions, and record status — exportable for an auditor, insurer, or client.

Review Register

One register. The whole office's control posture.

Every covered instruction, across every open file, with its status: current, stale, superseded, exceptioned, or missing. Who reviewed, who approved, and what changed after.

It's the surface you check on a busy Friday to know the office is still under control.

Exceptions // awaiting owner review
Covered instructionFileRequestedStatus
Accept updated payoff demand24-10774D. ReyesReview
Private payoff demand24-10690A. ColeReview
Proceed despite source limitation24-10822M. OkaforApproved
Audit packet // File 24-10882
Policy versionv4 · 2026-05
Source manifest7 rows · 2 restricted
Event log38 events
Exceptions1 · owner-approved
Review Record statusCurrent
Veto Standard

Map your controls to what your underwriter and carrier ask.

Veto Standard frames your covered-instruction controls against ALTA Best Practices, office policy, underwriter expectations, and E&O questions — and reports only what's true: control configured, limitations visible, exception recorded.

Explore Veto Standard
Why not the tools you already have

The tools you already pay for weren't built for this.

Storage, verification, and reconciliation each do real work. None of them enforce that a covered instruction had a current Review Record before it proceeded.

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

Your office is the target.

~30%
of title companies reported an attempted BEC attack in a single year
$275M
in reported real-estate fraud losses in 2025
12,368
real-estate fraud complaints filed in 2025

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

Straight answers

What adoption looks like.

Is this a no-bypass control or a nice-to-have?+
No-bypass, by design. You mandate the rule — no Review Record, no covered instruction — and an officer can't quietly turn it off. The success signal isn't logins; it's that a release won't leave the office without a current record.
Does it replace my system of record?+
No. Veto sits on top of Qualia, SoftPro, ResWare, or RamQuest, integrates with it, and writes Review Records back. It controls the moment of action — it doesn't replace your production system, email, or verification vendors.
How fast can we adopt it?+
Start with one covered instruction — say, releasing seller proceeds — on real files. Officers use it daily, you see cleaner exceptions, and you expand coverage control by control. Adoption is owner-led and policy-led, not a rip-and-replace.
What does it cost?+
Priced for controls and records, not raw checks. Release covers your first covered instruction; Guard adds the policy engine, audit packets, Vault, and owner dashboards; Enterprise adds integrations and multi-branch controls. See pricing.
Request access

Make the rule the office runs on.

Pick the first covered instruction you want under control. We'll stand it up on a handful of your real files.

Prefer to look first? See a sample Review Record.