PHOCIS Tech© was born in the trenches of private lending — not in a boardroom. We were built by the lenders who grew tired of escrow middlemen, compliance guesswork, and the constant drain of "service fees" that served no one but the institutions.
Old-school lending. New-school rails. Token-ready clearing.
We saw every inefficiency in the lending process, every delay, every unnecessary point of friction. So we built the platform that removes them all.
PHOCIS Tech© is the first Digital Clearing Platform for Direct and Private Lenders. Our mission: replace traditional escrow with insured, lender-controlled Clearing Accounts — powered by Wells Fargo Institutional Custody, covered by FDIC + SIPC, and backed by SOC-2 aligned infrastructure.
We didn't set out to improve the system. We set out to replace it.
PHOCIS Tech© was built by a team of financial engineers, compliance experts, and veterans of the escrow industry — led by a United States Marine who knows that discipline, speed, and integrity aren't just values. They're the only way forward.
When others saw problems, we saw opportunity. Where competitors waited for change, we built it.
Our AI State Compliance Engine™ was the first in the industry — a fully automated, 50-state regulatory logic engine that updates itself daily. Every change in law, every compliance update, instantly reflected in your workflow. No guesswork. No downtime. That engine is paired with $250,000 of audit coverage per lender — a protection layer no other platform in the industry provides.
Our first breakthrough was the Digital Clearing Platform — the industry's first alternative to legacy escrow that keeps the lender's mechanics intact while modernizing the rails underneath.
FDIC-insured, held under the lender's EIN, powered by Wells Fargo custody — all while remaining fully compliant with state-level trust-fund rules.
Funds remain under the lender's EIN — fully insured, fully compliant, and instantly auditable. No middleman. No delays. No excuses.
That's who we were: reformers in an old system.
Who we are now is the bridge between traditional lending and programmable finance.
Our platform has evolved into a dual-rail ecosystem — one rail connected to today's banking infrastructure (ACH, FedNow, RTP), the other already extending into blockchain clearing rails.
We're building for the coming transformation — when the U.S. dollar becomes tokenized, when trust accounts live on-chain, and when lenders expect instant, verified, and auditable settlement across both fiat and tokenized capital.
Our mission is simple, but it demands precision: give lenders complete financial control, automated compliance protection, and scalable revenue options — all in a framework that's compliant across 50 states.
We are not another fintech. We are the clearing rail that makes modern lending possible — fast, insured, and intelligent.
PHOCIS Tech© is proud to partner with Tributary Charity Foundation, an organization dedicated to helping veterans rebuild their lives through organic opportunities, leadership, and community.
We don't just talk about impact — we build systems that fund it. Every account opened through PHOCIS contributes to veteran-focused initiatives, because we believe technology should not only create profit but restore purpose.
And where we're going next — that's where $PHOCIS Coin comes in.
$PHOCIS Coin on BNB Chain is more than a token — it's the experimental mirror of our mission. It represents how clearing, compliance, and capital will one day converge into programmable trust. We're not speculating. We're architecting the rails for when real-world assets — loans, reserves, draws — move seamlessly across tokenized ecosystems.
The fintech world is shifting from digitizing banks to decentralizing trust. PHOCIS Tech© sits at that crossroads — preserving what lenders value (control, compliance, and security) while enabling what the future demands (speed, transparency, and interoperability).
We move fast, but never recklessly. We innovate, but never compromise security. We serve lenders, but we never forget service — because PHOCIS was built on the values of those who serve.
And above all, we believe that compliance can be your competitive edge, not your cost center.
You can talk about change — or you can help build it.
PHOCIS Tech© — Old-school lending. New-school rails. Token-ready clearing.
Schedule Onboarding Appointment →