A settlement, cleared like a payment.
Settle turns a debt negotiation into a clearing event. The consumer holds every lever; Settle mints and certifies each step; funds sit in a licensed escrow and never touch us; the creditor's own matrix decides. Here's exactly what happens — and why it's airtight for everyone at the table.
Six steps, start to cleared.
Stage the account
The consumer adds a debt and verifies their identity. Settle pulls the account, its holder, and statute-of-limitations timing into one view.
Propose an offer
The consumer sets the amount and terms — by hand or on standing instructions they authorize. Nothing moves without their explicit say-so.
Settle mints it
We mint a signed, verifiable settlement object — funding attested, identity bound, terms fixed. Settle takes no position in the deal.
Match to the holder
We resolve the account across chain-of-title to the right creditor or debt buyer, and present it on the channel they already use.
The matrix decides
The creditor's own acceptance band clears it automatically when it's inside; anything below routes to a human. Their rules, not ours.
Funds settle on the record
Escrow releases consumer → creditor on the consumer's authorization. Every step is logged append-only and independently verifiable.
Every lever stays in their hands.
Settle is a tool, not an agent. There's no power of attorney and no one negotiating on the consumer's behalf — they authorize each move, and they can stop at any point.
- Set the offer amount and terms — lump sum or a payment plan
- Accept, counter, or reject any response — the decision is always theirs
- Funds release from escrow only on their explicit authorization
- An optional coach explains offers — it never contacts a creditor or decides
account: ••••4417 · resolved ✓
amount: $4,196 · 48% of $8,742
funding: attested @ Column N.A.
identity: KYC ✓ · e-sign UETA ✓
sig: Ed25519 · 0x9f3a…c21d
Every offer is signed, not just sent.
When the consumer commits, Settle mints a cryptographically signed settlement object. It binds the amount, the terms, the resolved account, the verified identity, and the funding attestation into one tamper-evident record.
- Ed25519 signature — publicly verifiable, impossible to forge or alter
- An open, RMAI / AFCC-aligned spec — a standard, not a black box
- The creditor sees a real, fundable deal — acceptance can't bounce
Funds stay separate. Both parties stay verified.
Held in licensed escrow
Consumer funds sit with a licensed escrow / banking partner (e.g. Column N.A., Member FDIC) — never with Settle. We attest the balance; we can't touch it.
Moves consumer → creditor
On authorization, escrow releases straight to the creditor on rails they already use. Settle never sits in the flow of funds — zero custody, fewer licenses, cleaner audits.
Identity verified (KYC)
The consumer is identity-verified before an offer mints, and the verification is bound into the settlement object — the creditor knows exactly who they're settling with.
E-signed, both sides
Acceptance is captured as an E-SIGN / UETA-compliant signature from both parties — enforceable, timestamped, and logged append-only for either side's audit.
One mechanism. Four reasons to sign up.
Funded, never a bounce
Offers arrive pre-funded and pre-matched. Set your floor; the matrix clears the rest at ~10× a sale, with zero cost-to-collect.
Every creditor, one queue
Fax-only agency to Tier-3 buyer, normalized into one settle-ready workflow — funding rails and compliance built in.
Monetize the declines
Route the leads that didn't convert for a recurring rev-share, and plug in as an offers source. Found money on dead inventory.
In control, on the record
Settle your own debt for less — you authorize every step, your funds stay in escrow, and we never take a cut of your settlement.
Settling debt should feel like progress, not punishment.
Every role touches the same calm, certain system — no phone tag, no portals to juggle, no surprises. It's genuinely a pleasure to settle a debt and rebuild your financial future from here.
For the consumer
A few taps to a real, binding number — then watch the balance fall and your credit climb. No calls, no agents, no jargon. Just progress you can see.
For DR & partners
One queue, every creditor, funding and compliance built in. Refer, route, and get paid — without chasing anyone across a portal, fax, or spreadsheet.
For creditors
Set your floor once and watch funded settlements clear themselves. No dialer, no queue, no broken promises — recovery on autopilot.
We never own the debt, never hold the money, and never take a side. We don't profit from a higher or lower settlement — we mint, match, and certify, and the parties' own rules decide. Trust is the engine; the protocol just runs it.
See it clear a real account.
Book a 20-minute walkthrough — we'll mint a sample offer, run it through a matrix, and show the funds, signatures, and audit trail end to end.