Trust and Retention Account

Secure. Compliant. Scalable. Built for Lenders & Real Estate Projects.

Existing API Integration through existing multi-bank model. No separate integration requirement for bankseparately
(Offering through existing partner banks).

Built for scale and flexibility, TBX empowers every stakeholder with a tech-driven, transparent, and fully compliant environment to manage Title & Revenue Accounts.

Why TRA Matters And How
TBX Powers It

TRA is a critical mechanism in construction finance and real estate lending, ensuring that funds are released only against verified milestones and clear legal titles. TBX digitizes this entire lifecycle with an end-to-end infrastructure layer that:

Replaces manual TRA workflows with automated, rule-based fund disbursals

Ensures real-time compliance tracking across legal, financial, and technical milestones

Gives lenders and developers complete visibility through a centralized command center

Key Capabilities of TBX’s TRA Infrastructure

Automated TRA Setup & Account Structure

Seamless onboarding of projects and TRA structure via configurable templates
Digital mapping of Collection, Project, DSRA, and Marketing Fee Accounts

Milestone-Based Disbursal Engine

Rule-based fund release workflows based on pre-approved construction or sales milestones
System-enforced validation from Architect, CA, and Legal Counsel before payout

Integrated Title & Legal Clearance Workflow

Upload and approval of legal due diligence reports
Built-in checklist for title clearance stages linked to fund authorization

Maker-Checker Authorization & Role-Based Access

Structured access for Lenders, Developers, Trustees, Auditors & Consultants
Internal limit controls with dual-authorization for each fund release