Turn buyer intent into cleared funds without asking Finance or escrow to relearn the books.

The call comes in after hours: a buyer wants to lock a property tonight. They’re traveling, their bank is closed, and the agent is watching the weekend slip away. In a market where days and sometimes hours decide outcomes, the last mile of the payment shouldn’t be the reason a deal drifts.

A practical fix is already here: let buyers send value in crypto at the edge, and receive settlement in fiat where it matters escrow, title, brokerage, builder. Funds confirm quickly, convert, and land with the references your transaction files depend on. Crypto in. Fiat out. Records that reconcile.

What actually changes

• Buyer experience: pay earnest money, option fees, deposits, or closing costs through a secure link, hosted checkout, or an embedded button in your portal.
  
  
• Back office reality: funds settle to your bank in USD, EUR, GBP, or AUD (your choice), with exportable receipts.
  
  
• Clarity for the file: every line carries property address, MLS/parcel ID, escrow file, contract number, buyer/seller names, and timestamps so Finance and escrow match entries in minutes.

The rail changes; your discipline doesn’t.

Use cases across the deal cycle

Earnest money & option fees

Moment: After-hours offers, competitive bids, international buyers.

How it lands: Agent or coordinator sends a Pay Link tagged with property, contract, and file numbers. Buyer pays; confirmation arrives quickly; escrow sees a reference-rich receipt.

Outcome: The property is truly “off the market,” not waiting on Monday banking windows.

New-build & pre-construction deposits

Moment: Phase releases and VIP allocations that sell in minutes.

How it lands: Hosted checkout on your release page; deposits map to lot/unit and buyer ID; tranche schedules supported.

Outcome: Reservation lists convert into paid positions cleanly tied to contracts.

Inspections, appraisals & incidentals

Moment: Small but time-sensitive invoices that slow momentum when they miss cut-offs.

How it lands: Quick invoices with service codes and the same escrow file reference.

Outcome: Fewer “we’ll handle it tomorrow” delays.

Closing funds

Moment: Cross-border or high-net-worth buyers who prefer digital assets.

How it lands: Funds route through a controlled flow with clear beneficiary details; amounts convert and settle to trust/escrow in your chosen fiat.

Outcome: A clear trail the auditor (and your underwriter) can follow.

For very large transfers, use a white-glove OTC path with coverage and line-item reporting.

How it fits your stack

Start where you are:

• Pay Links for earnest money and deposits via email or text.
  
  
• Hosted Checkout on your brokerage, builder, or title site.
  
  
• APIs & webhooks later, when you want your transaction platform to update itself (Paid → Received in Escrow).

Each payment generates a receipt and a statement line with the fields your teams rely on: property address, MLS/parcel, escrow file, contract ID, buyer/seller, currency conversion details, fees, timestamps, and (where relevant) transaction hash.

Who benefits and how

Agents & brokers

• Faster “funds received” signals; fewer deals lost to banking hours.
• Cleaner proof for multiple-offer situations.

Escrow & title

• Settlement in USD/EUR/GBP/AUD to existing accounts.
• Exportable logs that align with your escrow file and underwriter requirements.

Builders & developers

• Convert launch day traffic into paid reservations; track deposits by unit/lot with tranche schedules.

Finance & compliance

• Clear audit trail; predictable reporting; role-based permissions and approvals on refunds.

Controls that make this production-ready

Real estate transactions run on trust. Ship with governance:

• KYC/AML at merchant onboarding and ongoing monitoring
• Allow-lists for assets and regions (align with counsel and underwriters)
• Role-based permissions for sensitive actions (refunds, settlements)
• Refunds in fiat after settlement with full references to file/contract
• Downloadable statements that satisfy auditors, lenders, and owners

Data model

Include these fields on every transaction and export:

• Property: address, MLS/parcel ID, lot/unit
• Deal: escrow file, contract number, phase/release, closing date
• Parties: buyer/seller names, agent IDs, brokerage/builder
• Payment: settlement currency (USD/EUR/GBP/AUD), FX, fees, timestamps, receipt ID
• Accounting: GL code or cost center if applicable

When those fields are present, month-end becomes review, not detective work.

A rollout you can do this month

Week 1: Choose where to start (earnest money and option fees are ideal). Brand the hosted checkout; map required references; brief agents, coordinators, and escrow.

Week 2: Pilot a real offer and a deposit flow; validate exports with escrow and Finance; document refund and exception handling.

Weeks 3-4: Add webhooks so your transaction platform auto-updates; enable an OTC path for high-value cases; publish a one-page guide for agents and closing teams.

What to measure: time-to-fund from offer, weekend funding share, fall-through reduction, exceptions at month-end, and support tickets per 100 payments.

Quick answers

Do we hold crypto? No funds convert and settle in fiat to your accounts.

Can we tag payments to escrow files and contracts? Yes make these fields mandatory on links and invoices.

What about refunds? Issued in fiat after settlement with full file/contract references.

Will lenders or underwriters push back? They care about clarity and controls. Provide settlement in fiat, complete references, and download-able logs; align asset/region policies with counsel.

The market isn’t slowing down for bank hours. Give buyers a way to fund earnest money, deposits, and even select closing costs when intent is highest while keeping your trust accounts and books exactly as they are.

Move faster on real estate payments → https://wctpay.com/real-estate