Institutional-grade settlement for tokenized assets.

Programmable escrow across 15 currencies. Set conditions, hold funds, disburse automatically — with an immutable on-chain audit trail.

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Built on Celo · Powered by Mento · 15 stablecoin currencies

15currencies
6condition types
1,000recipients per allocation
<2 minsettlement

Built for everyone

One platform. Three audiences.

For Issuers

Create and manage conditional escrow allocations. Choose from 15+ templates or build custom conditions. Real estate, trade finance, securities, government, and NGO.

Browse templates →

For Investors

Browse live allocations across real estate, trade finance, securities, and government. Fund with stablecoins in 15 currencies. Immutable audit trail on every allocation.

Browse allocations →

For Developers

Integrate via REST API or npm SDK. Webhooks, milestone triggers, HMAC-signed callbacks. Full TypeScript types. Create allocations programmatically.

Read the docs →

Architecture

Three layers. One platform.

Settlement Engine

Production today

  • ●6 condition types, N-of-M approvals
  • ●Time locks, milestone triggers
  • ●On-chain multicall batching
  • ●Immutable audit trail
  • ○Composite conditions: all_of and any_of for complex logic
  • ○HMAC-SHA256 signed milestone webhooks
  • ○1,000 recipients per allocation — under 2 minutes
  • ○7-year retention for institutional compliance
  • ○Automatic fee collection at funding time
  • ○Idempotent operations — safe to retry
$25M federal infrastructure grant — 15 agencies, 3-phase disbursement, department + treasury approval at each phase, independent audit verification.

RWA Templates

Zero new backend code

  • ●15 pre-built templates across 5 sectors
  • ●Real estate, trade finance, securities
  • ●Government and NGO use cases
  • ●Wizard setup in minutes
  • ○Templates map to existing condition types — no new logic
  • ○Fractional ownership, construction draws, rental income
  • ○Invoice escrow, PO financing, buyer-funded trade escrow
  • ○Employee vesting, lock-up periods, dividend distribution
  • ○Government budget disbursement, procurement escrow
  • ○NGO grant management, impact-linked funding
$30M Austin mixed-use development — 5 milestone phases, independent inspector at each stage, staged draw schedule (20/25/20/25/10%).

Discovery Platform

No account required

  • ●Public browsing of allocations
  • ●Geo-aware funding flows
  • ●190+ countries with 15 currencies
  • ●Primary participation only
  • ○Filter by sector, currency, funding progress
  • ○Scrubbed responses — zero wallet addresses exposed
  • ○Rate-limited public API (30 req/min)
  • ○Investors fund directly — no secondary trading
  • ○Allocation detail pages with condition status
  • ○Funding progress bars and condition summaries
$5M education initiative across 3 countries — 50 recipient schools, enrollment milestones, quarterly donor reporting with immutable audit trail.

Use Cases

Templates for every asset class.

Real Estate

Construction draws with milestone-based disbursement, fractional property investment with investor threshold gates, rental income distribution on quarterly time locks.

“$12M fractional ownership in a Miami commercial tower — 200 investors, 12-month hold, quarterly distributions.”
FractionalConstruction DrawRental IncomeMortgage Escrow

Fractional Ownership

Pool investors into a single property. Threshold gate + hold period.

manual_approvaltime_lockall_of

Construction Draws

5-phase milestone disbursement with independent inspector verification.

milestoneinspector

Rental Income

Quarterly distribution to fractional holders. Time-locked to ex-date.

time_lock

Mortgage Escrow

Inspection + appraisal + lender approval. Fannie Mae-eligible.

all_ofmilestonemanual_approval

Deed Transfer

Funds held until deed is recorded. Title search + attorney sign-off required.

milestonemanual_approvalall_of

Trade Finance

Invoice escrow with delivery confirmation, PO financing with staged payments, buyer-funded trade escrow with auto-return protection.

“$500K electronics from Shenzhen to LA — staged payments on customs, delivery, 60-day auto-return.”
Invoice EscrowPO FinancingSupply ChainBuyer-Funded Escrow

Invoice Escrow

Net-terms payment held until goods delivered AND terms expire.

time_lockmilestoneall_of

PO Financing

Staged payment against purchase orders with buyer sign-off.

milestonemanual_approval

Supply Chain

Multi-party chain: customs, delivery, buyer acceptance.

milestoneall_of

Buyer-Funded Escrow

Staged release to seller + auto-return deadline for buyer protection.

milestoneany_oftime_lock

Securities

Employee vesting with cliff periods and board approval, lock-up periods for pre-IPO shares, dividend distribution with ex-dividend date triggers.

“$10M Series B vesting — 200 recipients, 4-year schedule, 1-year cliff, board approval.”
Employee VestingLock-Up PeriodDividend Distribution

Employee Vesting

4-year schedule with cliff period. Board approval gate.

time_lockmanual_approvalall_of

Lock-Up Period

Regulatory hold with compliance sign-off before release.

time_lockmanual_approval

Dividend Distribution

Batch payout to 500+ shareholders on ex-dividend date.

time_lock

Government

Multi-department budget allocation with audit checkpoints, procurement escrow with inspector verification, full public accountability via immutable audit trail.

“$25M infrastructure grant — 15 agencies, 3 phases, multi-department approval, inspector verification.”
Budget DisbursementProcurement Escrow

Budget Disbursement

Department + Treasury approval + audit verification at each phase.

manual_approvalmilestoneall_of

Procurement Escrow

Milestone-gated vendor payment with procurement officer sign-off.

milestonemanual_approval

NGO & Development

Milestone-based grant disbursement with donor reporting, impact-linked funding where release is tied to verified outcomes.

“$5M education initiative — 3 countries, enrollment milestones, quarterly donor reporting.”
Grant ManagementImpact-Linked Funding

Grant Management

Program milestones + quarterly time locks. Automatic donor reporting.

milestonetime_lockall_of

Impact-Linked Funding

Funds release only when verified impact metrics are confirmed by inspector.

milestoneinspectortime_lock
Create an allocation →

Deep Dive

Real estate, reimagined.

Six distinct use cases — from fractional ownership to deed transfer. Each backed by programmable escrow conditions and an immutable audit trail.

Fractional Ownership

200 investors pool into a commercial tower. Funds held until investor threshold is met, then released with a 12-month hold period.

$12M Miami tower

thresholdtime_lock

Construction Draws

5-phase milestone disbursement for mixed-use developments. Independent inspector verifies each stage before funds release.

$30M Austin mixed-use

milestoneinspector

Rental Income

Quarterly rental income distributed to 150 fractional holders. Time-locked to the distribution date, then batch released.

$8M Austin portfolio

time_lockbatch

Mortgage Escrow

Funds held until inspection, appraisal, and lender approval are all satisfied. Fannie Mae now accepts stablecoin reserves.

$2M San Francisco

all_ofinspection

Commercial Lease

Security deposits held in transparent escrow. Time-locked for the lease term, released with landlord approval on move-out.

$500K deposit

time_lockapproval

Deed Transfer Escrow

Funds held until title company confirms deed recorded at county recorder. Buyer and seller attorneys sign off before release.

$1.5M Brooklyn brownstone

milestonemanual_approvalall_of

How It Works

Four steps. Zero ambiguity.

Step 01

Create

Select a template or build custom. Add recipients, set conditions — time locks, milestones, approvals, or any combination.

Step 02

Fund

Deposit stablecoins in any of 15 currencies. Funds are held in escrow with a 0.25% platform fee. Fully transparent.

Step 03

Conditions Met

Time locks expire, milestones trigger, approvals are submitted. Every state change logged to an immutable audit trail.

Step 04

Disburse

Funds automatically released to all recipients via on-chain multicall. Up to 1,000 recipients in under 2 minutes.

Trust & Compliance

Built for institutional-grade trust.

Immutable Audit Trail

Append-only log for every state change. 7-year retention. No updates, no deletes — ever.

On-Chain Settlement

Celo L2 finality. Every disbursement verifiable by anyone. Transactions settle in under 2 minutes.

Regulatory Ready

Primary participation only. Fannie Mae-eligible stablecoin reserves. 7-year data retention for institutional compliance.

Multi-Currency

15 Mento stablecoins — USD, EUR, GBP + 12 more. No FX risk. Fund and disburse in local currency.

Inspector Framework

Disclosed inspectors with anti-collusion gates. Escrowed fees paid on submission, not outcome. Zero rubber-stamp incentive.

Enterprise API

REST + TypeScript SDK. HMAC-SHA256 webhooks. Rate limited. Full type safety. Programmatic allocation management.

Live

Active allocations

View all →

Developer Experience

Ship in minutes, not months.

Full REST API and TypeScript SDK. Create allocations, set conditions, trigger milestones, and verify webhooks — all programmatically.

npm install @tappay/sdk
HMAC-SHA256 webhook verification built in
Full TypeScript types — zero runtime surprises
API documentationGet API keys
create-allocation.ts
import TapPay from '@tappay/sdk';

const tp = new TapPay({ apiKey: 'sk_live_...' });

const allocation = await tp.allocations.create({
  title: 'Q2 Dividend Distribution',
  currency: 'USDm',
  total_amount: 2_500_000,
  recipients: shareholders.map(s => ({
    wallet: s.wallet,
    amount: s.shares * dividendPerShare,
    label: s.name,
  })),
  conditions: [{
    type: 'time_lock',
    label: 'Ex-dividend date',
    release_after: '2026-06-30T00:00:00Z',
  }],
});

Ready to build?

Create conditional escrow allocations in minutes. Fund with stablecoins across 15 currencies. Disburse automatically when conditions are met.

Create an allocationBrowse allocationsRead the API docs →