Per-project escrow, coming soon

Per-project segregated accounts for investment platforms and developers. Each investor's capital protected in a dedicated account at a regulated entity, returned automatically if the round does not close, released only when conditions are met. We are building it on our network of regulated entities.

Live demo · Coming soon

Capital protected. Released only when conditions are met.

Watch how investor capital flows into a segregated escrow account, sits safe until milestones are met, and only then is released.

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Project · Atocha 12

Invest in this project

Your investment€5,000.00

340.000 € raised500.000 €

Your capital goes to a segregated escrow account at a regulated entity.

Confirm investment

• 1Investor commits capital
• 2Funds held in escrow
• 3Milestone met
• 4Funds released

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Delivery channels

Delivery channels

Reach your users wherever they already are.

Where Is Your Tenant's Security Deposit Right Now?

If you answered "in our company bank account, mixed with operating funds," you've identified the problem.

Security deposits are not your money. They belong to tenants. Legally, they must be held separately, documented per jurisdiction, and returned (plus statutory interest) within 14–30 days of lease termination. Yet most property managers still handle deposits the way they did 20 years ago: check received, cashed, mingled with rent, tracked in a spreadsheet.

This creates three risks: regulatory exposure (deposits incorrectly held = legal liability), financial risk (property manager insolvency puts tenant money at risk), and operational chaos (tracking interest, calculating deductions, proving you held the right amount). Escrow accounts solve this at the source.

How UrbanPay Escrow Will Work

An escrow account is a segregated, dedicated account held in trust. Tenant deposits flow into it immediately. They sit there untouched, earning statutory interest based on local law. On lease termination, you initiate a release: UrbanPay calculates any deductions (damages, unpaid rent), deducts them from the escrow, and returns the balance to the tenant's bank account within your jurisdiction's window.

The entire flow is auditable. Every deposit, every deduction, every return is timestamped and documented. Compliance authorities see exactly what happened. For tenants, it's transparent: they know their deposit is protected, not funding your operations. For you, it's liability elimination—the deposit is no longer your asset on the balance sheet.

The Compliance Gain—Especially at Scale

At 20 units, managing deposits manually is tedious. At 100 units, it's a compliance disaster waiting to happen. At 500 units across multiple jurisdictions (Germany's rules differ from France's; Spain's from the UK's), it becomes operationally impossible to track correctly.

Escrow removes this burden. Deposits auto-segregate. Interest accruals are automatic. Terminations trigger workflows, not manual calculations. If you operate across 3+ countries, escrow infrastructure becomes cheaper than the legal risk of non-compliance. This pairs naturally with automated KYC for complete tenant onboarding compliance.

Integration with Your Leasing Workflow

Escrow doesn't sit in isolation. It integrates with your existing lease management system:

• •Tenant signup: Deposit collected same day as first rent payment—same portal, one interaction.
• •Lease management: Escrow balance visible alongside tenant profile; no separate tracking system.
• •Lease termination: One-click release process; deductions applied, tenant refund initiated, audit log created.

For property managers using existing property management software, UrbanPay escrow connects via API. No manual exports. No shadow spreadsheets. For crowdfunding platforms, per-project escrow accounts provide the exact segregation regulators require.

In development: join the waitlist

Per-project escrow is being built on our network of regulated entities. Today, fundraising is processed through regulated entities' segregated accounts; per-project escrow with automated releases is coming soon. If your platform needs it, let's talk: we are prioritizing the roadmap with our first clients.

A Note on Jurisdiction

Escrow requirements vary by country. German law (BGB §551) mandates segregation and interest. French law requires a separate account. Spanish law requires actual separation at a licensed third party. UrbanPay escrow accounts are built to the strictest standard—actual segregation, third-party custody—and therefore compliant everywhere you operate.