For BaaS partners

We're looking for a BaaS partner to power the QATCH escrow + payment stack.

QATCH.ai is the B2B payment trust layer for title and escrow companies. We verify outbound closing wires via AI + human callback, release approved payments, and insure the transactions against BEC fraud. We need a BaaS partner to ride for the licensed deposit + payment-initiation layer.

What we need from a BaaS partner

FBO account structure — customer-segregated escrow with per-customer sub-accounts
Payment initiation — ACH (standard + Same-Day), wire transfers, RTP
Sub-account API — programmatic creation, balance lookups, fund movements
Float-eligible structure — interest on held funds passed through (negotiable)
BSA / AML compliance handled at the licensed-bank level; QATCH supports KYC/KYB workflows
FDIC pass-through coverage for customer funds in the FBO

Projected volume (Year 1)

Target customer count: 50 title companies
Projected escrow volume: $200M – $500M
Average hold time: 4 – 24 hours
Average daily float (projected M12): $5M – $20M

Why QATCH fits a BaaS partner

High-quality transaction mix. Title companies are regulated, audited, and operate under state-licensed bonds. Customer risk is significantly lower than the typical fintech-on-BaaS portfolio.
Predictable hold pattern. Closing wires follow standard business-day rhythms; no overnight float surprises or weekend liquidity spikes.
Customer KYC/KYB is already done.Title companies are licensed entities with verifiable corporate filings, bond requirements, and E&O insurance. KYB onboarding is materially faster than typical SMB fintech.
Growth in a regulatory tailwind. BEC fraud is the #1 growing crime category by dollar loss; demand for our product is structurally accelerating, not seasonal.

What we're evaluating

We're currently in conversations with Column, Bridge, and Treasury Prime. We expect to make a partner decision within 60 days. Selection criteria:

API quality and sub-account model fit
Margin economics on transaction + float
Time-to-launch (signed agreement → live API access)
Compliance posture and willingness to support our customer profile
Long-term partnership signal (will this partner still serve us at $5B ARR?)

Reach out

If you're a BaaS provider, sponsor bank, or payment-rail partner who fits the profile above, email partners@qatch.ai with a one-page summary of your capabilities, indicative pricing, and a point of contact for the next call. We respond within one business day.

Email partners@qatch.ai →