QATCH.ai FAQ

QATCH.ai is the B2B payment trust layer for title and escrow companies. Customers route their outbound closing wires through QATCH; we verify the recipient via AI cross-channel reasoning + human callback, release the funds, and insure approved transactions against business email compromise (BEC) fraud. We launched in 2026 and are headquartered in the United States.

Real estate wire fraud, also called business email compromise (BEC) at closing. The FBI's Internet Crime Complaint Center (IC3) reported $446M in real-estate BEC losses in 2024, growing 38% year over year. QATCH stops these wires from reaching scammers by verifying the recipient bank account before releasing funds, and insures the customer against losses on transactions we approve.

Year-1 target customers are title companies, escrow agencies, and real-estate-adjacent law firms in the United States. Year-2 expansion targets mid-market accounts-payable teams and construction general contractors. The common pattern: businesses that wire substantial dollar amounts to new counterparties on a daily or weekly basis, where the recipient changes frequently and BEC pain is acute.

CertifID provides verified delivery of wire instructions from the title company to the buyer. QATCH does that and three additional things: (1) Verifies the recipient bank account, not just the instructions; (2) Locks every verified beneficiary in our reputation database, so subsequent wires to the same recipient clear instantly; (3) Insures approved transactions against BEC fraud up to $2M per transaction with 30-day payout. Many title companies that suffered large BEC losses in 2024-2026 had CertifID deployed but lacked recipient-side verification + insurance.

Bill.com is an accounts-payable automation platform built for the AP-clerk persona — it processes invoices, schedules payments, and provides workflow automation. QATCH is built for the CFO + security persona at firms where wire fraud is an existential business risk. Bill.com has lightweight fraud features; QATCH leads with fraud prevention as the core product and includes an insurance guarantee Bill.com does not.

No. QATCH supplements cyber insurance. Most commercial cyber insurance policies issued in 2024-2026 either exclude BEC losses entirely under 'social engineering' exclusions or sub-limit BEC coverage to $100,000-$250,000. QATCH's insurance guarantee covers up to $2M per approved transaction with no social-engineering exclusion. Keep your cyber insurance for non-wire-fraud cyber events.

When you route a wire through QATCH, our system performs a multi-layer verification: (1) AI cross-channel reasoning in under 2 seconds — cross-references the invoice, the email thread that triggered the payment, the recipient's history in our database, the recipient bank account's reputation, public business registry data, and behavioral patterns of the payer. (2) Human callback for high-risk or high-value transactions, typically completing within 1-4 hours — a trained verifier calls the recipient at a publicly-known phone number, independently sourced. (3) Release — once verified, the wire is released via ACH/wire/RTP and the recipient is locked in our reputation database for future instant verification.

In our design-partner pilot data, approximately 5-8% of wires require human callback. The remaining 92-95% clear via AI verification only in under 2 seconds. The rate is higher in a customer's first 60 days (less behavioral history) and decreases as the beneficiary database for that customer's typical recipients builds up.

The wire is held in escrow and the customer is notified with the specific reason verification failed (recipient unreachable, bank-detail change without confirmation, suspicious patterns, etc.). The customer has three options: (a) cancel the wire and return funds, (b) provide additional information for re-verification, (c) override and accept the wire without QATCH's insurance backing. The customer's choice is logged in the audit trail.

AI-verified low-risk wires release in under 2 seconds from receipt of funds. Human-callback verifications typically complete within 1-4 hours during business hours (US Eastern through US Pacific). Wires submitted after business hours queue for next-day verification unless flagged urgent.

Yes — this is one of the primary design goals. Traditional 'call to verify' defenses fail against AI voice clones because the scammer can spoof either incoming or outgoing calls. QATCH's human callback uses publicly-sourced phone numbers (not numbers provided in the suspicious email or stored in potentially-compromised records) and cross-references multiple independent sources. The attack surface required to defeat this is much larger than compromising a single email account.

QATCH has three pricing components: (1) Platform subscription $200-$3,000/month depending on transaction volume and tier; (2) Per-transaction fee of 8-15 basis points of the wire amount, capped at $1,000 per transaction; (3) Optional insurance premium of 5-8 basis points of the wire amount for the approved-fraud guarantee. For a typical mid-sized title company processing 100 closings/month at an average $500,000 closing value, the all-in cost is approximately $50,000-$80,000 per year, or roughly $500-$800 per closing.

No. Onboarding, banking integration, and the initial training of the customer's beneficiary database against the customer's existing vendor list are included. Customer onboarding typically completes in 30 minutes.

Design partner pilots run for 60 days free with no commitment. Post-pilot, contracts are month-to-month with no annual minimum. We believe in earning the relationship every month.

Per-transaction fees and insurance premiums are billed monthly in arrears, settled via ACH against the customer's primary funding bank account. Platform subscription is billed monthly in advance. Detailed transaction-level invoices are provided with every billing cycle.

When QATCH approves a wire and the customer pays the insurance premium (5-8 bps), the wire is insured against BEC fraud up to a per-transaction limit (typically $2,000,000). If the wire ends up at a fraudulent recipient despite QATCH's verification, QATCH reimburses the customer within 30 days. The reimbursement is paid by QATCH directly; we do not depend on the customer's cyber insurance carrier.

The insurance guarantee covers BEC losses on approved transactions — wires that QATCH verified and released, where the recipient bank account turns out to be controlled by a fraudulent party rather than the intended beneficiary. Coverage applies regardless of whether the attack vector was an email compromise, an AI voice clone, a number-porting attack, or another BEC technique.

The guarantee does not cover: wires the customer chose to override after QATCH flagged them; wires sent through channels other than QATCH (your existing bank wire interface, for example); disputes between the customer and the legitimate beneficiary (quality of work disputes, contract disputes); internal employee fraud at the customer's firm; cyber losses that are not BEC wire fraud (ransomware, data breach, etc.).

QATCH operates the insurance guarantee under a managed MGA (Managing General Agent) structure with a specialty BEC reinsurance partner. Our partner's identity will be disclosed publicly once the partnership LOI converts to a definitive agreement; current pilot customers are briefed on the partner under NDA during onboarding.

Our internal target is 14 days from confirmed fraud incident to wired reimbursement, with 30 days as the contractual maximum. The process: (1) Customer notifies QATCH of suspected fraud within 24 hours of discovery; (2) QATCH validates the loss with the destination bank, the customer's records, and any law enforcement reports; (3) Subrogation paperwork is filed by QATCH (not the customer); (4) Reimbursement is wired to the customer's primary account.

Yes. QATCH handles all subrogation efforts after a covered loss. The customer is not pulled into civil litigation against the scammer. Any recoveries by QATCH go to QATCH's reinsurance partner; the customer keeps the full reimbursement regardless of recovery outcome.

No. QATCH is a technology platform that operates on top of a Banking-as-a-Service (BaaS) partner that holds the underlying banking license and FBO (For Benefit Of) account structure. Customer funds during the verification window sit in FBO accounts at our BaaS partner's sponsor bank, segregated from QATCH operating funds.

Yes. Customer funds held in escrow at the sponsor bank are FDIC-insured up to the per-account FDIC limit of $250,000 per depositor. Higher amounts can be distributed across multiple FBO sub-accounts to extend FDIC coverage; this is automatic for verification holds exceeding the threshold.

ACH (standard and Same-Day), wire transfers, RTP (Real-Time Payments), and check (in limited cases). We integrate with the major BaaS providers (Column, Bridge, Treasury Prime, Synctera) and payment-ops platforms (Modern Treasury, Increase).

Yes. We have or are building integrations with ResWare, RamQuest, Qualia, SoftPro, Closer's Choice, and the major real estate transaction management systems. Integration is via API, webhook, or — for smaller customers — a Chrome extension that adds a 'Send via QATCH' option to outbound wire workflows.

Yes. We integrate with QuickBooks Online, Xero, NetSuite, Sage Intacct, Bill.com, and other major AP systems via API. Invoice data syncs into QATCH for verification context.

No. QATCH does not require customers to change their primary banking relationship. We use a separate FBO account at our BaaS partner for the verification window only; funds settle back to or out of the customer's existing bank account as needed.

Customers maintain their existing bank wire capability. If QATCH is unavailable, customers can still fund closings via their bank's standard wire interface (without QATCH's verification or insurance). Our published SLA is 99.95% uptime; in the rare event of a sustained outage, urgent closings can be escalated to QATCH operations for manual verification.

SOC2 Type II is in progress, with completion targeted for Q4 2026. SOC2 Type I attestation will be issued in Q3 2026. Customers with strict procurement requirements can request our current security posture documentation under NDA.

Customer data is encrypted in transit (TLS 1.3) and at rest (AES-256). Sensitive fields (bank routing numbers, account numbers, SSNs) are encrypted with per-customer keys. We retain transaction data for the regulatory minimum (7 years for financial transactions per BSA requirements) and offer customer-controlled data deletion after retention periods elapse.

We share anonymized beneficiary reputation signals across the customer network — if a recipient bank account has been involved in fraud at Customer A, that signal protects Customer B who later attempts to wire to the same account. Customer A's identity is never shared. Customer-specific transaction data is never shared with any third party.

Our BaaS partner is responsible for BSA/AML compliance at the licensed-bank level. QATCH supports the BaaS partner's compliance program via customer KYC (Know Your Customer) and KYB (Know Your Business) workflows during customer onboarding, suspicious activity reporting integration, and full transaction logging.

Customer can export their full transaction history and beneficiary database via API or CSV at any time. After contract termination, data is retained for the regulatory retention period (typically 7 years) then deleted upon customer request.

QATCH was founded in 2026 by a solo technical founder with a background in full-stack software, AI/ML, and embedded systems. Our team scales with customer count and revenue.

QATCH is headquartered in the United States and serves US-based customers only at launch. International expansion is on the Year-3+ roadmap.

QATCH launched with a small angel round and is self-funded toward cash positivity. We have not raised institutional venture capital as of mid-2026.

For design partner inquiries, use the application form on qatch.ai. For general questions: hello@qatch.ai. For media: press@qatch.ai. For BaaS or reinsurance partnership: partners@qatch.ai. We respond to every inquiry personally within one business day.