EscrowOS — RERA-grade escrow, automated end to end

The cost-to-feature problem

Generic ERP is overkill. Spreadsheets are a liability. EscrowOS is the fit.

UAE developers are forced to choose between million-dirham ERP suites that have never heard of an Oqood or a trustee draw, a bank's read-only trustee portal that stops at the account balance, or fragile spreadsheets that fall apart at the first RERA audit. EscrowOS is purpose-built for the middle — the developer that needs a real escrow ledger and real compliance, right-sized and owned outright rather than rented.

1 lifecycle

Project → escrow → reservation → SPA → payments → release → revenue → handover, in one system

6 hard-gates

GraphIQ checks on go-live, escrow release, refunds, revenue & cancellation — blocked unless compliant

7 roles

Developer, operator, sales, finance, auditor, executive & buyer — each scoped to its job

Weeks, not years

Go live in a quarter — no multi-year ERP implementation

One platform, the whole project

Everything a Dubai developer actually needs

Not a generic CRM with an escrow bolt-on. Every module is shaped around how regulated off-plan development works here.

Project & escrow setup

Register developers and licences, configure projects and milestone schedules, and open RERA trust accounts — with a go-live gate that won't let a non-compliant project sell.

GraphIQ compliance gates

Six hard-gates — go-live, SPA structure, escrow release, retention, refunds, revenue recognition and project cancellation — each evaluated, enforced and logged before any irreversible step.

Real escrow ledger

Every buyer payment, draw, retention hold and refund posts to an append-only ledger in fils — the balance is always computed from entries, never a stale number. Reconciles to the dirham, on demand.

Milestone draws & releases

Construction draw requests tied to certified milestones, released only when the escrow.release gate confirms certification, balance and retention rules — debiting escrow atomically.

Buyer payments & PDCs

Record installments against the SPA plan, manage post-dated cheques through their lifecycle, and reconcile escrow against bank statements — a cleared PDC posts straight to the ledger.

IFRS 15 revenue recognition

Over-time revenue measured against certified construction progress, posting a balanced double-entry journal — recognition gated so a period can never be double-posted or over-recognized.

Arrears, default & cancellation

Arrears derived from real overdue installments and bounced PDCs, a dunning workflow, and gated buyer-default termination & Decree-33 project cancellation that refund and release units atomically.

RERA audit packs & log

Generate a downloadable audit pack bundling the ledger, gate verdicts, releases and revenue — with a real re-computable checksum — plus a full GraphIQ compliance log and override register.

Buyer transparency portal

Buyers see only their own contract, installment ledger, receipts and construction-milestone progress — strictly per-user scoped, so a buyer can never glimpse another's records.

Role-based, multi-tenant ops

Distinct workspaces for developer, platform operator, sales, finance, compliance/auditor, executive and buyer — every endpoint role-guarded and tenant-scoped, white-label per tenant.

See it in action

Real screens from a real, running product

Not mockups. Every screen below is live in the EscrowOS demo environment today.

Sales & SPA

From reservation to signed contract, on the rails

Block and reserve units in a real-time inventory grid, generate a milestone-linked Sale & Purchase Agreement, validate its structure against RERA, and execute e-signature — moving the unit to sold the moment both parties sign.

Atomic unit blocking — no double-booking
SPA structure validated by the GraphIQ gate
E-sign → unit sold & reservation converted in one transaction

EscrowOS SPA generation and e-signature workspace

Project configuration

Configure a project that can actually go live

Define the project, its milestone schedule and payment plan, and link a RERA escrow account in one workspace. The go-live hard-gate checks licences, escrow, milestones and SPA structure — so you can't sell a unit on a non-compliant project.

Milestone schedule & payment plan builder
Escrow account registration & verification
project.golive gate blocks an unready launch

EscrowOS project and milestones configuration with go-live gating

Finance & escrow

Every dirham accounted for, audit-ready every day

Record buyer payments, track PDCs, reconcile against the bank, and run milestone draws through the escrow.release gate. The escrow balance is computed live from an append-only ledger — the figure an auditor asks for is already correct.

Ledger balance = sum of entries (fils, no float drift)
Releases carry a real, re-computable instruction checksum
Cross-tenant isolation enforced server-side

EscrowOS buyer payment entry and escrow ledger

Buyer experience

Transparency your buyers can see

A clean portal where each buyer tracks their contract, paid-to-date, outstanding balance, installment ledger and construction-milestone progress — strictly scoped to their own purchase, with their statement a tap away.

Own contract, ledger & receipts — nothing else
Live escrow-protected payment progress
Construction milestone stepper & statement download

EscrowOS buyer transparency portal on mobile

Watch the demos

See EscrowOS in action

Two walkthroughs — one from the buyer's seat, one from the back office.

Buyer experience

Track every dirham — from your phone

The buyer journey: one-tap sign-in, payment summary, full installment ledger, construction-milestone progress and an instant statement download. Mobile-first, escrow-protected, fully transparent.

Platform walkthrough

Every role, every gate — end to end

Executive dashboards, project & escrow setup, sales & SPA, milestone releases, IFRS 15 revenue, and RERA audit packs. Seven workspaces and six GraphIQ compliance hard-gates, wired in from day one.

How EscrowOS compares

The winning balance of cost and capability

Stacked against the ways UAE developers run their escrow and project books today.

Capability	EscrowOS Purpose-built for RERA	Generic ERP (SAP / Oracle)	Bank trustee portal (escrow bank)	Spreadsheets / in-house
Law No. 8/2007 escrow ledger & releases	● Built-in	✕ Custom build	◑ Balance only	✕ Manual
GraphIQ compliance hard-gates	● 6 gates, enforced	✕ Not localized	✕ None	✕ Manual checks
DLD Oqood & SPA lifecycle	● Native	✕ Not supported	✕ Out of scope	✕ Manual
Milestone draws & retention control	● Gated & atomic	◑ Custom	◑ Manual approval	✕ Error-prone
IFRS 15 over-time revenue & GL	● Built-in	◑ Configurable	✕ No	✕ Manual
Arrears, default & Decree-33 cancellation	● Gated & atomic	◑ Limited	✕ None	✕ Manual
RERA audit pack with verifiable checksum	● One click	◑ Export project	◑ Statements	✕ Hand-assembled
Buyer transparency portal	● Included	✕ Separate project	◑ Varies	✕ None
Per-tenant white-label & scoping	● Built-in	◑ Custom	✕ Bank-branded	✕ None
Time to go live	● Weeks	✕ 12–24 months	● Bank-led	● Immediate*
Source code ownership & white-label	● You own & rebrand it	✕ Vendor-locked	✕ Bank's system	◑ Files only
Hosting & data residency control	● Your infra, any region	◑ Vendor-defined	✕ Bank cloud only	◑ Your device
Commercial model	● One-time perpetual licence	✕ Licence + integrator	✕ Bank fees / spread	◑ Cheap, then costly

● built-in · ◑ partial / requires work · ✕ not available. *Spreadsheets are "free" until the first RERA audit finding, reconciliation error, or growth ceiling. Vendor names are illustrative of each category, not endorsements.

The sweet spot

Maximum capability, minimum overhead

Capability →

Generic ERP

Bank portal

Spreadsheets

EscrowOS

Cost / complexity →

Right-sized for UAE developers

Developers, master-developers and multi-project operators get trust-grade controls without a core-banking budget or headcount.

Live in a quarter, not a saga

Pre-built RERA compliance means you configure projects and launch — instead of funding a multi-year ERP integration with a system integrator.

Compliance is the default, not a project

Law 8/2007, Decree 33, IFRS 15 and RERA/DLD obligations are wired into the workflow — the GraphIQ gates never let an off-compliance step through.

Built to scale with the portfolio

From your first tower to a multi-project, multi-tenant portfolio with arrears, retention and revenue recognition — one platform grows with you.

Ownership, not rental

You own your escrow platform — source code and all

EscrowOS is not SaaS. Under a source-available license you receive a copy of the source code, brand it as your own, deploy it wherever you choose, and keep full control of your data and your roadmap.

The source code is yours

You receive the complete source under a perpetual license. Read every line, audit it, and never be held hostage to a vendor's roadmap or release cadence.

Brand it entirely as your own

White-label from the ground up — your name, logo, colors and domain across the buyer portal and staff console. Ship it to market as your product, not ours.

Host it anywhere

Your cloud, your on-prem data center, your region of choice. No mandatory vendor cloud, no per-seat metering, no usage caps that throttle growth.

Your data never leaves your control

Buyer PII and escrow records sit in infrastructure you own — making UAE data-residency and RERA/DLD audit obligations far simpler to demonstrate.

Customize without limits

Modify and extend the platform for your own projects and workflows. The code is yours to evolve — by your team or ours — as the portfolio grows.

Perpetual license

A one-time license to the delivered version, yours to run indefinitely. No subscription that can be switched off, no renewal leverage held over you.

Source-available, not open-source. You get the code for your own internal business use, with the right to brand, host, modify and run it in perpetuity. Reselling it or offering it to third parties as a service is reserved. The full terms are short and in plain English.

Read the license terms →

Built for

Whoever delivers off-plan, EscrowOS fits

🏗️

Property developers

RERA-registered developers who need escrow control, go-live gating and Oqood from day one.

🏛️

Master-developers & operators

Multi-project, multi-tenant portfolios with white-label branding per developer, out of the box.

📊

Finance & treasury teams

A real escrow ledger, milestone releases, reconciliation and IFRS-15 revenue in one place.

🛡️

Compliance & auditors

A full GraphIQ verdict log and one-click RERA audit packs with verifiable checksums.

Who builds & delivers EscrowOS

Enterprise software pedigree, delivered at AI speed

EscrowOS pairs decades of business-critical engineering with an AI-powered delivery model — so you get depth and speed, not a trade-off between them.

B

BlastAsia Inc.

Implementation partner

For 25 years, BlastAsia has built and implemented business-critical software for global enterprises — bringing deep engineering discipline, domain expertise and delivery rigor to every EscrowOS deployment.

A quarter-century building global, business-critical systems
Enterprise-grade engineering & delivery practices
Hands-on, local implementation and support

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Xamun.ai

AI-Powered Software Factory

Xamun is an AI-powered software factory that brings speed and reliability to commercial software delivery at scale — compressing what once took years into months, without sacrificing quality.

AI-accelerated build and delivery
Reliability and quality engineered in at scale
Faster time-to-market for commercial software

See EscrowOS run your escrow book

Book a 30-minute walkthrough, or jump straight into the live demo environment and click through it yourself.

Book a walkthrough → Open the live demo

RERA-grade escrow, automated end to end.