Condition-Based
Payment Infrastructure for
Institutions and Platforms
PayKeeper is a licensed execution engine that receives, holds, and disburses funds according to programmatically defined conditions at any scale, across any vertical, through any payment rail.
Most payment infrastructure is optimized for high-volume, low-complexity flows — moving money from point A to point B as quickly as possible. PayKeeper is built for the other category: transactions that require fund segregation, verified conditions, dynamic beneficiary routing, or multi-party disbursement before settlement can occur.
Whether the requirement is milestone-based construction draws, registry-linked receivables settlement, marketplace split payouts, government grant disbursements, or AI-agent-initiated transactions with conditional release logic — PayKeeper provides a single, API-accessible infrastructure layer that handles the execution complexity so your platform or institution does not have to.
Segregated Fund Custody
All funds are held in segregated escrow accounts, separate from PayKeeper's operating capital and protected from third-party claims. Custody is maintained under regulatory oversight until defined disbursement conditions are satisfied, providing all parties with enforceable protections from deposit through final settlement.
Condition-Based Disbursement
Funds are released only upon verified satisfaction of the conditions defined at the outset of the transaction: delivery confirmation, inspection approval, milestone documentation, registry verification, or any other programmatically expressible requirement. No party can accelerate disbursement unilaterally; PayKeeper enforces the agreed terms with the rigor of a regulated intermediary.
API-Native Execution for Automated Workflows
PayKeeper's API layer integrates with the decision engines, AI agents, and workflow platforms your organization already operates. As automated systems generate payment instructions — from underwriting models, compliance engines, AI-agent commerce protocols, or ERP-triggered disbursement rules — PayKeeper receives those instructions, applies the configured conditions, and executes settlement. The execution logic is durable, auditable, and enforceable regardless of the instruction source.
Multi-Party and Multi-Rail Disbursement
Complex commercial flows frequently involve more than two parties — a payer, multiple payees, a platform operator, a reserve account, and potentially international beneficiaries on different settlement rails. PayKeeper executes multi-party disbursements simultaneously or in defined sequence, across ACH, wire transfer, and stablecoin rails, with each payment independently documented and reconciled against the originating obligation.
Institutional-Grade Infrastructure.
Operational from Day One.
PayKeeper delivers the fund custody, conditional disbursement, and multi-party payment capabilities that institutional transactions demand through an API and platform engineered for rapid integration. Enterprise clients are typically operational within two to four weeks of completing onboarding.
Structure the Transaction
Define the escrow arrangement, disbursement conditions, and beneficiary identities through PayKeeper's platform or API. Funds are deposited into a segregated escrow account upon execution of the agreed terms. For platform integrations, this step is handled programmatically, with no manual configuration required per transaction.
Conditions Are Verified
At each defined disbursement point, PayKeeper evaluates whether the agreed conditions have been satisfied. Verification may be documentary — inspection reports, delivery confirmations, lien releases, registry lookups — or programmatic, triggered by API calls from connected systems or AI agents. Funds remain in segregated custody until verification is complete.
Funds Are Disbursed to the Right Party
Upon verified condition satisfaction, PayKeeper executes disbursement to each designated beneficiary — in the correct amount, on the appropriate rail, with a complete audit record linking each payment to the obligation it settles. All disbursements are subject to sanctions screening and AML monitoring. The full transaction record is available to all parties and retained for regulatory examination.