Settle is the protocol that connects funded consumers, creditors, and debt-resolution firms. Offers arrive pre-funded and pre-matched — your acceptance matrix clears them automatically, with funding rails, compliance, and audit built in.
A consumer commits real funds toward settling a specific account. Settle attests that funding, resolves the account to the right creditor, and checks it against that creditor's acceptance matrix. Match → it clears. No haggling, no custody, no integration.
Once your matrix and tier are set, settlements clear end-to-end without you in the loop. How hands-on you stay is entirely your call.
A funded offer starts with the consumer — set by hand, or on standing instructions they've asked us to automate. It's their move, every time.
We take no position. We mint a signed, verifiable settlement object — funding attested, account resolved across chain-of-title.
The creditor's own rules clear it — inside the band, automatically; outside, it routes to a human. Settle runs the mechanism, never the verdict.
Money goes consumer → creditor on rails they already use. Settle never holds a cent; we certify the proof and log every step append-only.
Keep your charged-off paper — don't sell it for pennies. Settle it for far more: consumers come to you with funded offers, your matrix clears them automatically, and you stop the bleeding without chasing a soul.
Fax-only agency or Tier-3 debt buyer — a single pane that reaches all of them, with funding rails and compliance baked in. Refer the leads you can't service and share the upside.
For DR companies →A declined applicant or an unconverted lead still carries debt. Route them to Settle for a recurring rev-share, and plug in as an offers source.
For partners →The settlement object is published as an open spec — free to implement, RMAI / AFCC-aligned. Settle operates the network; you adopt a standard, not a proprietary format.
See a settle-ready feed matched to a portfolio like yours — in a 20-minute walkthrough.