Enterprise-grade transaction security

The trust infrastructure for real estate transactions.

Built to protect people, property, financial transfers, and reputations. TERRE™ replaces vulnerable workflows with verified identities, secure coordination, and protected payments.

SOC 2 alignedBiometric identityImmutable auditBuilt on FileChain ledger
TERRE
TERRE™
Buyer
Seller
Agent
Lender
Title Co.
Funds
Documents
The scale of the problem

Wire fraud is the costliest threat in real estate transactions — and almost none of it gets recovered.

$1.33B
lost annually to real estate wire fraud
90%
of stolen funds are never recovered
$958K
average daily loss across the top three title companies
8.6%
fraud recovery rate
Source: FBI IC3 · 2024 industry reporting
Who TERRE™ protects

One platform. Everyone connected.

Buyers & Sellers
Sign anywhere. Always protected.
Realtors
Faster closings, fewer delays.
Title Officers
Verified wires. Centralized control.
Banks & Lenders
Real-time visibility into fund flows.
County Recorders
Secure digital submissions.
How fraud happens

A typical attack unfolds in seven steps. TERRE™ intervenes at every one.

Every step below is a real attack pattern from FBI and industry case files. Each one is a moment where TERRE™ stops the loss.

1
7–30 days before

Recon

Fraudster studies the deal using public records and social profiles.

Method

Open-source intel, social engineering

RiskLow
Stopped by TERRE™

All parties identity-verified before engagement

2
3–14 days before

Account takeover

Email credentials are stolen through phishing and reuse attacks.

Method

Phishing, credential theft

RiskHigh
Stopped by TERRE™

Encrypted, verified communications block impersonation

3
1–3 days before

Wire instructions spoofed

Look-alike emails send fake wire instructions to the buyer.

Method

Domain spoofing, thread hijacking

RiskVery high
Stopped by TERRE™

Wire instructions verified and locked at origin

4
Day of close

Funds wired to fraudster

Urgency and authority pressure push funds to the wrong account.

Method

Impersonation, time pressure

RiskCritical
Stopped by TERRE™

Real-time validation before any release of funds

5
Hours after wire

Funds laundered

Money is moved rapidly through mule accounts to obscure the trail.

Method

Layering, rapid transfers

RiskCritical
Stopped by TERRE™

Continuous monitoring flags anomalies instantly

6
1–7 days after

Funds cashed out

Funds are pulled into crypto or withdrawn beyond recovery.

Method

Crypto exits, ATM withdrawals

RiskCritical
Stopped by TERRE™

Validation support coordinates with banking partners

7
Weeks–months later

Fraud discovered

Loss surfaces during audit — too late to recover the funds.

Method

Delayed audit, legal exposure

RiskCritical
Stopped by TERRE™

Immutable audit trail supports insurance & legal recovery

Two ways to use TERRE™

Choose the protection level that works for you.

Add TERRE™ to your existing title software, or run transactions end-to-end inside TERRE™. Same trust infrastructure, your choice of deployment.

Overlay

Add protection to existing systems

Keep your current workflow. Add enterprise-grade protection on top.

Your title software
TERRE™ protection layer
ACTIVE
VerifyEncryptAudit
  • Biometric verification
  • Verified participant access
  • Secure communications
  • Wire fraud protection
  • Immutable audit trails
  • Role-based permissions
Platform

Run transactions entirely inside TERRE™

A unified transaction environment designed for secure, modern closings.

Identity
Payments
Documents
Audit
Access
TERRETERRE™
  • Transaction coordination
  • Verified participants
  • Secure payment routing
  • Controlled workflows
  • Audit infrastructure
  • Identity verification
The problem

Why wire fraud keeps winning.

The systems closing today's transactions weren't built for today's threats.

How transactions work today
  • Emails
  • Passwords
  • Manual verification
  • Phone calls
  • Wire instructions shared manually
  • Multiple disconnected vendors
  • Human error
With TERRE™
  • Verified identities
  • Controlled access
  • Protected payments
  • Continuous verification
  • Secure communication
  • Unified coordination
  • Immutable accountability
How it works

Fraud happens when trust is assumed. TERRE™ replaces assumptions with verification.

01

Verify everyone

Every participant proves who they are before entering — with biometric identity verification.

02

Lock identity to session

Identity is tied to device, session, location, and access. Impersonation stops at the door.

03

Control who sees what

Every participant receives only the permissions they need. No unnecessary access.

04

Protect financial instructions

Wire instructions are verified and locked. No unauthorized changes, no spoofing.

05

Secure closing

Funds move only to approved, verified destinations. All required steps enforced.

06

Create permanent proof

Every action is permanently recorded — creating accountability and auditability.

Why this matters

Outcomes that move the business.

Protect every dollar

Stop fraudulent wire transfers before money moves.

Reduce fraud exposure

Lower risk across the entire transaction lifecycle.

Increase trust between parties

Verified identities create real confidence.

Reduce operational risk

Catch errors and bad actors automatically.

Improve compliance

Immutable records and enforced workflows by default.

Enable secure remote closings

Close from anywhere without compromising trust.

Who uses TERRE™

Built for the teams closing transactions every day.

Title Companies

Pain

Email-based wire instructions are an open door for fraud.

With TERRE™

Verified participants and locked wire instructions eliminate the attack surface.

Escrow Providers

Pain

Manual verification slows closings and still misses bad actors.

With TERRE™

Biometric identity and continuous verification automate trust.

Settlement Teams

Pain

Disconnected vendors create gaps where errors compound.

With TERRE™

Unified coordination with role-based permissions across every party.

Lenders

Pain

Funds disbursed to spoofed destinations are nearly impossible to recover.

With TERRE™

Funds move only to approved, verified accounts — never elsewhere.

Enterprise Real Estate

Pain

Compliance and audit demands grow faster than legacy systems can scale.

With TERRE™

Immutable audit infrastructure and enforced workflows built in.

Why TERRE™ is different

Infrastructure. Not another tool.

Identity verification
  • Traditional systemsNone
  • Fraud detection toolsPartial
  • TERRE™Full
Payment protection
  • Traditional systemsNone
  • Fraud detection toolsPartial
  • TERRE™Full
Role-based permissions
  • Traditional systemsPartial
  • Fraud detection toolsNone
  • TERRE™Full
Secure communication
  • Traditional systemsNone
  • Fraud detection toolsNone
  • TERRE™Full
Audit infrastructure
  • Traditional systemsPartial
  • Fraud detection toolsNone
  • TERRE™Full
Real-time monitoring
  • Traditional systemsNone
  • Fraud detection toolsPartial
  • TERRE™Full
Workflow controls
  • Traditional systemsPartial
  • Fraud detection toolsNone
  • TERRE™Full
Enterprise deployment

Deploy without disrupting operations.

Keep existing systems. Modernize gradually. Reduce operational disruption.

01
Phase 01

Overlay security

Wrap protection around existing title software. Zero disruption.

02
Phase 02

Workflow expansion

Bring more of the transaction inside TERRE™ as teams adopt.

03
Phase 03

Broader platform adoption

Run end-to-end transactions on unified trust infrastructure.

Trust shouldn't depend on hope.

Protect transactions before money moves.