Stop sending wire instructions in static PDFs.
Veto replaces encrypted PDFs with a single, revocable secure link. Keep your existing phone call ritual, but gain instant stale-kill control over where money moves.
Wire Verification Record
VTO-2026-0401-7A3F
2026-04-01 09:14:22 PDT
SHA-256 Verification Hash
f4c07a7a9531339f3eb4c1afce21b0fa524ec1d41fe2c1ca2e4e622db93aae64
Zero Friction for the Buyer
Your buyer doesn’t have to do anything.
No consumer logins. No apps. No portal fatigue. One current link, with the officer still on the phone.
No consumer logins.
No apps to install. No portals to remember. No password resets the morning of closing.
Issue the Release.
Upload the source document. Veto extracts the details and generates a single, secure, revocable link.
Buyer Unlocks.
The buyer opens the link and uses the officer's verbal code to access the current instructions. Stale PDFs are dead.
When Something Is Wrong
Three outcomes. You control all of them.
Veto flags discrepancies. You make the call.
Verified
Routing, account, and institution all match verified banking records.
Record lands in the file. Wire proceeds at officer discretion.
Flagged
One or more fields do not match. Possible data entry error or changed account.
Detailed discrepancy report generated. Officer reviews before proceeding.
Cannot Complete
Account cannot be verified against any known banking record.
Wire does not proceed until officer investigates and clears the hold.
The officer always retains final control of the send button. Veto never touches the funds.
Authority
“Manual callbacks alone are no longer sufficient to meet a commercially reasonable standard of care for wire verification.”
Michael Benardo, Former Associate Director, Cyber Fraud and Financial Crimes Branch, FDIC
The Shared Liability Stack
One wire fraud event. Three entities liable.
Your License, Your Business
A single wire fraud event can trigger a DFPI investigation, E&O claims, and client lawsuits simultaneously.
- —A pre-wire verification record in the file is one factor counsel and carriers evaluate when assessing commercially reasonable due diligence.
- —Documented verification protocols may reduce exposure during regulatory review.
- —The $25 fee passes through to the closing disclosure. Your agency pays nothing for the verification layer.
“A pre-wire verification record in the file is one factor counsel and carriers evaluate when assessing commercially reasonable due diligence.”
The record demonstrates what the desk checked, when it checked it, and why the wire was cleared.
The Stakes
One file. One missing record.
Monota v. Escrow Network Group
Los Angeles Superior Court, 2024
$931,004
The office relied on the instruction packet itself instead of a separate, durable verification record.
The math
$25
Per verification
On the closing disclosure
$0
For the agency
Pass-through fee to the buyer
$931K
One missing record
Monota judgment, 2024
The $25 fee appears as a line item on the closing disclosure and is paid by the buyer as part of standard closing costs. The agency bears no cost for the verification layer.
Implementation
Common desk questions
Sebastian Heyneman
Founder
Currently onboarding independent and broker-owned agencies in Southern California.