The settlement layer
that moves like a bank.
Open a verified account in seconds. Move funds between members atomically. Reconcile every transaction in a single, immutable ledger.
- $2.4M+
- Settled in 2025
- 177ms
- Median settlement
- 99.98%
- Ledger uptime
Settlement volume
$198,955
▲ 0.51% live
2.4k
Members
42
Txns/sec
12
Markets
The Platform
Built like a bank. Used like an app.
Every primitive a treasury team expects, wrapped in an interface designed for the next generation of finance operators.
Multi-account ledger
Every member receives a unique TPSG account number with real-time balance tracking.
Instant settlement
Move funds between accounts atomically. No batching, no holds, no surprises.
Transparent history
A complete, immutable record of every credit and debit, exportable on demand.
Row-level security
You only ever see your own account and transactions. Admins have a separate console.
Signed transactions
Each transfer is wrapped in an atomic database transaction with reference numbers.
Built for scale
Powered by a Postgres ledger running on a modern edge runtime.
Live network metrics
Performance you can read in milliseconds.
Every Indigo Escrow account is plugged into the same shared ledger. These are the numbers powering it today.
Monthly settlement volume
$198,955
Median settlement latency
177ms
↓ 28% vs Q1
42
Txns / second
99.98%
Ledger uptime
Our History
Seven years of moving money, quietly.
From a small clearing-house project to the settlement backbone behind thousands of finance teams.
- 1
2019
Indigo Escrow founded
A small team of clearing-house engineers set out to rebuild the settlement layer from scratch.
- 2
2021
First $100K settled
Crossed our first hundred-thousand in cumulative settlement volume across four markets.
- 3
2023
Tier-2 bank partnerships
Onboarded as a settlement partner for a handful of regional institutions.
- 4
2025
Real-time ledger launch
Released the immutable, sub-second ledger that powers every modern Indigo Escrow account.
- 5
2026
2,400 members
Now serving over two thousand businesses and individuals worldwide.
Voices from the field
What people say about Indigo Escrow.
Bakeries, photographers, freelancers, weekend Etsy sellers — and a few finance teams too. No paid placements.
from 184 real reviews
Leave a review.
Are you a business owner, a freelancer, or a customer who received a refund? We want to hear from all of you — no login required.
SOC 2 Type II
Annually audited controls
PCI-DSS Level 1
Top-tier card data handling
ISO 27001
Information security certified
GDPR ready
Data residency on request
How it works
It's easy to join us.
Four steps from a fresh sign-up to your first settled transaction.
Step 01
Open an account
Sign up in under a minute — we issue a verified GRC account number on the spot.
Step 02
Verify identity
Submit your document and selfie through the KYC console. Most reviews finish same day.
Step 03
Fund your wallet
Deposit via card, wire, or crypto — pick the gateway that fits the country you're in.
Step 04
Settle anything
Move funds member-to-member instantly, or request a refund through our protected channel.
Worldwide
We move money in every corner of the world.
2,400+
Account holders
$2.4M+
Settled volume
12
Active markets
240+
Countries served
FAQ
Frequently asked questions.
The essentials, answered in plain English.
Is opening an account free?+
Yes. There's no fee to open an Indigo Escrow account and no minimum balance.
How long does identity verification take?+
Most KYC submissions are reviewed within a few hours during business days. You'll get a status update on your dashboard.
Can I transfer to an external bank?+
Transfers between Indigo Escrow members are instant. External bank transfers are processed within 24 hours subject to your destination bank.
How do I request a refund?+
From your dashboard, open Request a Refund and submit the merchant, amount, and reason. Our agents review every case manually.
Is my data shared with third parties?+
Never. Account holder information is never sold or used for advertising purposes.
Insights
From the Indigo Escrow desk.
Long-reads on payments engineering, compliance, and the craft of running a settlement business.
EngineeringHow we shaved settlement latency to 142ms
Six months ago a transfer between two Indigo Escrow accounts took just under two seconds. Today it takes 142 milliseconds — here is what changed under the hood.
ComplianceThe case for immutable ledgers in third-party settlement
When a customer disputes a refund six months after the fact, your ledger is the only witness. Make sure it is one nobody can tamper with — including you.
ProductIntroducing tracking codes for refund operations
Every refund now ships with a tracking link your customer can open without signing up — and when they do sign up, the balance is already waiting.