Community & Partnerships

PHOCIS Tech© is built around real operators — not theorists — and our community reflects that.
We collaborate with trusted organizations that strengthen private lending, compliance, security, and veteran leadership.

Our network includes:

• • The Tributary Foundation, led by U.S. Marine Corps S. Sargent Javier Romo, supporting families of fallen service members.
• • American Lending Conference — our annual touchpoint with the country's most serious private credit operators.
• • AAPL (American Association of Private Lenders) — industry standards, best practices, and ongoing education.
• • Wells Fargo Finxera — custody-grade banking infrastructure and secure program management.
• • Koop AI — advanced fraud detection and operational risk scoring.

These partnerships reinforce our commitment to lenders who value tradition, integrity, and clean capital management.

If your organization shares those values, we're open to carefully vetted collaborations.

Compliance

Compliance isn't a feature — it's the spine of PHOCIS Tech©.
Everything we build respects state trust-fund rules, lender EIN ownership, and the realities of modern audits.

Core Compliance Foundation

• • FDIC-insured Clearing Accounts held under each lender's EIN
• • Wells Fargo custody, with daily balance verification
• • No commingling — each account is a true trust-fund structure
• • Automated audit trails for every balance change, draw, and ledger event
• • Hard separation between lender funds, borrower funds, and operating accounts
• • 24/7 ledger immutability — every action time-stamped and locked
• • KYB / KYC workflows that mirror regulated-bank onboarding
• • Encrypted data vaults using bank-grade security rails
• • Multi-party authorization for draws and disbursements
• • State-by-state trust-fund compliance mapping baked into every new account
• • Workflow isolation preventing human error during disbursements
• • Full ledger reconstruction capability for audits within minutes
• • SOC2-aligned engineering for all internal systems
• • Weekly compliance sweeps automated through Koop AI
• • Dual-signature release logic for high-risk transactions

Transparency Reporting

We publish regular numbers to keep lenders aligned with our movements:

• • Weekly: total AUM on platform
• • Weekly: total interest returned to lenders
• • Weekly: new Clearing Accounts opened
• • Monthly: compliance events, incidents (if any), and resolutions
• • Quarterly: independent third-party audit summaries

You don't have to trust us — you can verify us.

Media

For press, interviews, partnerships, or public commentary:

Jack will route it directly to our CEO and marketing manager instantly.

Everything PHOCIS Tech© shares publicly is factual, compliance-safe, and aligned with our lenders' best interests.

About PHOCIS Tech©

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. 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.

Funds remain under the lender's EIN — fully insured, fully compliant, and instantly auditable. No middleman. No delays. No excuses.

Our Mission

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 believe in sovereignty over dependency. Transparency over trust. And control over compromise.

We are not another fintech. We are the clearing rail that makes modern lending possible — fast, insured, and intelligent.

Our Story

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 Partnerships

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.

Our Advantages

• • Zero Fees: No ACH, wire, open, or close fees. Ever.
• • No Billing: We never send invoices or request cards.
• • 48-Hour Onboarding: Initial clearance complete in two days.
• • Three-Click Expansion: Sub-accounts open in under three clicks.
• • Revenue Optionality: Earn from your clearing balances, depending on your configuration.
• • SOC-2 Alignment: Full audit trails, timestamped and export-ready.
• • Military-Grade Security: AES-256 encryption, Wells Fargo custody.

Our Vision for the Future

We're not standing still. PHOCIS Tech© is expanding its clearing rails into new frontiers of decentralized and AI-driven financial infrastructure.

Next up:

• • PHOCIS Coin — our upcoming meme-backed liquidity token, bridging real-world clearing with digital asset yield.
• • Smart Sub-Accounts™ — compliance-aware accounts that deploy in seconds, auto-configured to state and federal regulations.
• • PHOCIS AI+™ — the next generation of our Compliance Bot, providing conversational, real-time guidance with integrated audit verification.

We're not talking about disruption — we're executing it. Every product we launch strengthens one core promise: that control, compliance, and profit should belong to the lender, not the institution.

Our Ethos

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.

We believe in earning trust, not asking for it.

We believe in technology that protects as much as it performs.

And above all, we believe that compliance can be your competitive edge, not your cost center.

Join the Revolution

You can talk about change — or you can help build it.

Leadership

Nate — Founder & CEO, PHOCIS Tech©

Nate didn't grow up around privilege. He grew up around persistence.

His story begins the hard way — with a tough upbringing that demanded grit before success was even in the picture. Sports became his first battlefield: football, track, wrestling. The lessons were the same everywhere — when it hurts, push harder. When it breaks, rebuild stronger. Those early years forged the discipline that would later define both his leadership and the DNA of PHOCIS Tech©.

Then came the United States Marine Corps, where every day was a test of endurance and precision. The Corps taught him that leadership is earned through action, not titles — that you move first, eat last, and own every outcome. Those values — accountability, clarity, and relentless drive — became the foundation for everything that came next.

From Bootcamp to Beverly Hills

After the Marines, Nate entered the mortgage world — starting as an assistant at CS Financial in Beverly Hills, California, one of the most competitive and fast-paced lending institutions in the country. It was there he had his first look at the high-performance world of elite mortgage originators.

Until that point, Nate had never met anyone who made $100,000 in a single month. Watching these titans bulldoze loans down a conveyor belt of assistants and processors — turning precision and teamwork into profitability — was mesmerizing. The entire floor moved like a machine built on ambition (and ego).

He had a front-row seat to one of the most inspiring transformations in post-crash finance — Jeff Seabold's leadership turning a 15-person brokerage floor into the foundation of what would become Banc of California, a full-scale banking institution born from the ashes of 2008. That environment showed Nate what elite performance looked like — speed, trust, and execution under pressure.

The Climb and the Creation

Nate rose through the ranks, grinding his way up the corporate ladder. By his early 30s, he had transitioned from originator to developer — building his first single-family residence (SFR) in Hancock Park, Los Angeles, where he and his family lived for more than a decade. Over the next six years, Nate developed and sold seven SFR properties, mastering the rhythm of finance, construction, and deal flow.

Then the world stopped.

When COVID hit, building paused — but Nate didn't. Instead, he pivoted again. Locked down at home, he dove headfirst into coding. Late nights turned into early mornings filled with logic trees, Python scripts, and the growing realization that the next great shift in lending wouldn't come from Wall Street — it would come from FinTech.

Coding gave him the language. Lending gave him the problem.
Together, they became the blueprint for PHOCIS Tech©.

Building PHOCIS: The Battle for Control

When the first partner banks failed to meet the standard, Nate refused to compromise. He went bigger. That's when Wells Fargo Institutional Custody entered the picture — a move that required a massive institutional commitment, a personal guarantee from Nate himself, and total alignment with SOC-2 security and FDIC + SIPC protections.

It was the high-risk, high-accountability move that only a Marine-turned-founder would take — and it paid off.

By October 2025, lenders began circling. By November, the first 10 organic lenders were onboarded, each seeing what the rest of the market had missed — a compliance-first clearing system that gives control back to the lender.

From there, it's been pure forward motion.

The Mission: Give Control Back to the People Who Earn It

PHOCIS Tech© was never built for the megabanks. It was built for the small lender running a 3-to-5-person shop — the kind of business that keeps local processors employed, builds real community relationships, and refuses to hand its future over to an algorithm.

That's the difference. PHOCIS doesn't replace people — it protects them.

It gives smaller lending teams the same firepower and compliance protection as national institutions, without the bureaucracy, fees, or red tape.

Every part of this platform was engineered to honor the people who built the lending industry — the independent brokers, processors, and originators who never got credit for holding the system together.

Through PHOCIS, Nate's journey comes full circle: from a Marine with a mission, to a broker watching legends in Beverly Hills, to a developer, a coder, and finally, the founder of a platform designed to give back to the community that made it all possible.

PHOCIS Tech© is more than a company — it's a declaration:
Control belongs to the lender.

We don't change the way you lend. We change the way you earn.

And we never forget who we're building it for.

Built to Lead. Built to Last. Built by Marines.
We're Monetizing a Revolution.

SMS Messaging Policy & User Consent

Effective Date: November 01, 2025

1. Purpose of this Policy

This SMS Messaging Policy explains how PHOCIS Capital Inc., doing business as PHOCIS Tech©, communicates with users via text message (SMS and MMS) and how users may provide or withdraw consent. This Policy applies to all phone numbers collected through our website, applications, and platform-related services.

2. How We Use SMS Messaging

PHOCIS Tech© may send SMS or MMS messages to users who have provided their mobile numbers and explicitly opted in. Messages may include:

• • Account verifications, security alerts, or system notifications
• • Transaction confirmations or compliance notices
• • Product or service updates and optional marketing offers

Message frequency varies but generally does not exceed four (4) messages per month for marketing communications. Transactional and security alerts may occur as needed.

3. Consent to Receive Text Messages

By entering your phone number on a PHOCIS Tech© form or during platform registration and checking the consent box, you agree to receive recurring text messages at the number you provided.

Consent is not a condition of purchasing or using PHOCIS Tech© services.

You may still use the platform even if you do not opt in to receive messages. Standard message and data rates may apply depending on your mobile plan. Wireless carriers are not liable for delayed or undelivered messages.

4. Opt-Out Instructions

You may revoke consent or unsubscribe at any time:

• • Reply STOP to any PHOCIS Tech© text message to cancel future messages
• • Contact support@phocis.tech to request removal
• • Call 877-679-6879 to speak with support

You'll receive one final confirmation: "PHOCIS Tech©: You're unsubscribed and will no longer receive messages. Reply HELP for assistance or email support@phocis.tech."

5. Help and Support

For assistance with SMS communications, reply HELP to any message or contact:

📧 support@phocis.tech
📞 877-679-6879

6. Data Protection

Phone numbers and related messaging data are stored securely and handled in accordance with our Privacy Policy. We do not sell, rent, or share consent or opt-in data with third parties for marketing purposes.

Opt-in and opt-out records are retained for a minimum of two (2) years for compliance with telecommunications and regulatory requirements.

7. Important Notice

8. Contact Information

PHOCIS Capital Inc. (d/b/a PHOCIS Tech©)

🌐 https://phocistech.com
📧 support@phocis.tech
📞 877-679-6879