Title + escrow API for source-verified buyer proof-of-funds. Real estate offers, M&A bids, high-value transactions. $1,995/yr base + $1.95 per verify.
If you're a real-estate broker, M&A advisor, escrow officer, or fund admin, this is the short answer for what Proof-of-Funds replaces in your day. Engineers, your bit is the endpoints below.
Today you accept screenshots, faxed bank letters, or a 'trust me' from the buyer's lender. JIL's Proof-of-Funds returns a signed, timestamped CREB(TM) showing the buyer's institution confirmed sufficient liquid funds at the moment of the offer - with a coverage ratio (typically 1.10x or higher of offer price). The seller's listing agent can verify the signature on their end without calling you.
Bidder PoF goes from 'letter of comfort on bank letterhead' to a portable cryptographic credential the seller's banker can verify. The 30-day reuse window means a serious bidder doesn't have to re-pull for every round. PoF tier covers institutional ranges; the per-verify fee is rounding-error against deal size.
Funds-good cuts down to one API call. Coverage-ratio + institution-name + pulled-at timestamp + signed CREB™ all land in your callback. If a transaction is later challenged (collusion, forged statement), the audit trail goes back to the buyer's bank, not to you.
Use Proof-of-Funds to clear LP capital calls in real time, not 5 business days after wires 'should have' hit. Same CREB(TM) format works for both side-letter LP confirmation and direct-investment offers.
You authorize a one-time read of your liquid balances at your bank or brokerage (Plaid Assets pipe; JIL never sees your login). You walk away with a portable credential good for 30 days that any seller, broker, or escrow can verify cryptographically. No more screenshotting your account or asking your banker for a letter on Friday afternoon.
Not a credit check. Not a guarantee of funds at closing. Not a substitute for the underwriter's loan-commitment letter on financed deals. JIL proves the funds existed at a specific moment, signed by the bank's confirmation - not that they're irrevocably reserved for this transaction.
{
"title_company_id": "tco_abc123",
"transaction_id": "txn_2026Q3_property_xyz",
"buyer": {
"email": "buyer@example.com",
"offer_amount_usd": 1400000
},
"callback_url": "https://your-title-system.example.com/jil-callback"
}
{
"verification_id": "ver_pof_xyz789",
"buyer_email": "buyer@example.com",
"verdict": "SUFFICIENT",
"evidence": {
"available_funds_usd": 1825400,
"offer_amount_usd": 1400000,
"coverage_ratio": 1.30,
"institution_pulled_at": "2026-04-26T13:42:11Z"
},
"creb": {
"id": "creb_pof_2026_xyz789",
"signature_ed25519": "...",
"signature_dilithium3": "...",
"courtchain_anchor_tx": "0x...",
"fre_902_14_admissible": true,
"valid_until": "2026-05-26T13:42:11Z"
}
}
$1,995 / year. Production API access, sandbox keys, integration support, SLA-backed uptime.
$1.95 per buyer verification. Real-time bank/brokerage balance attestation; 30-day CREB™ reuse window.
1,000 / 5,000 / 25,000 verifications prepaid bundles with tiered discount. For commercial real estate brokerages running multi-property pipelines.
Embed verify endpoint at offer-acceptance step. Replaces phone-call-the-banker workflow.
Pre-funds-call buyer verification. Sealed evidence in the escrow file.
Verified Buyer badge on listings. JIL produces the badge logic; agents display.
CBRE, JLL, Cushman & Wakefield buyer pre-qualification at offer-submit.
Drop the CREB™ into the closing file - admissible without our cooperation.
Real estate listing platforms (Zillow / Redfin) display Verified Buyer status.
PoF CREBs reflect available balance at the moment of the institutional data pull. Balances may change. JIL does not guarantee that funds remain available, will be wired, will clear, or will be applied toward any specific transaction.
Counterparties relying on a PoF CREB™ should treat it as evidence of capacity at point in time, not as a payment commitment. JIL is not a bank, payment processor, fiduciary, or escrow agent.
Sandbox keys issued same day. Production integration typically 1-2 weeks for direct deployments, 2-4 weeks for white-label platforms. Schedule a scoping call →
JIL Sovereign Technologies, Inc. is not a bank, payment processor, fiduciary, or escrow agent. ProofOfFunds provides verification services; downstream recovery, lending, settlement, or compliance determinations remain the relying counterparty's responsibility.