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DALLAS, TX – ZOCCAM, a frontrunner in real estate payment technology, has officially launched a new solution aimed at revolutionizing the home buying closing process. In collaboration with U.S. Bank and Stewart Title, they have facilitated the first live use case of Request for Payment (RfP) technology for faster and more secure title payments. The announcement was made today, June 25, 2025, by EIN Presswire.
This innovative solution allows homebuyers working with Stewart Title to complete their deposit funds, such as escrow, directly and securely within the ZOCCAM app. The core of this advancement lies in RfP, a real-time payment technology that enables the secure transfer of irrevocable “good funds” to Stewart Title’s escrow account.
Key Benefits of the ZOCCAM RfP Solution:
* Enhanced Security: A major advantage of RfP is the elimination of the need for parties to exchange sensitive banking information, a common vulnerability exploited in wire fraud. As Ashley Cook, CEO of ZOCCAM, stated, “ZOCCAM’s use of Request for Pay (RFP) is combatting wire fraud by removing the need to send or receive wiring instructions altogether. No more encrypted emails, phone verifications, or second-guessing account numbers.” This push-payment model gives the payer explicit control over each transaction, significantly reducing fraud risk and human error.
* Speed and Availability: The process is designed to be fast, secure, and available 24/7, providing real-time confirmation within the ZOCCAM app. This is a considerable improvement over traditional methods like checks, wire transfers, and ACH, which often involve delays and limited operating hours.
* Operational Efficiency: Bob Taylor, VP of Escrow Accounting at Stewart Title, highlighted the “operational efficiencies on the back end for a much more efficient accounting process” due to the speed and irrevocability of RTP. This allows for instant settlement and improved cash flow management for businesses.
* User-Friendly Experience: The entire transaction can be completed within the ZOCCAM app, removing the need for users to be redirected to external banking platforms, thus offering a seamless and intuitive experience.
U.S. Bank is a key enabler of this initiative, leveraging its leadership in instant payments. The bank has been an early adopter of both the RTP® Network and the FedNow® Service and is a leading sender of RfPs in the U.S. Mike Thomas, head of instant payments at U.S. Bank, emphasized the “tremendous value to the title industry by reducing risk, accelerating closing processes and improving experiences for all parties of real estate transactions.”
This strategic partnership underscores a significant step in the digital transformation of the real estate industry, setting a new standard for secure, efficient, and transparent digital real estate transactions. ZOCCAM, Stewart Title, and U.S. Bank are committed to modernizing payments and paving the way for broader adoption of real-time financial solutions in the title and escrow industry.

Video courtesy of CSOB

Video courtesy of CSOB