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xTitle.io

Eliminating Wire Fraud in Real Estate

THE $2.4 BILLION PROBLEM

Every 3 minutes, a real estate wire fraud attempt occurs in the United States

Average loss per incident: $178,000

Recovery rate: Less than 14%

13,638
Victims in 2023
$3.31B
Total Losses
480
Daily Attempts
14%
Recovery Rate

How Wire Fraud Happens Today

Step 1: Email Compromise

Criminals hack into email accounts of real estate agents, title companies, or attorneys

Step 2: Monitor Communications

They silently monitor emails for weeks, learning about pending transactions

Step 3: Intercept at Critical Moment

Just before closing, they send fake wire instructions from a spoofed email

Step 4: Money Gone

Buyer sends life savings to criminal's account. Money disappears within hours.

"The criminals changed just one digit in the account number. We lost $420,000."

- Actual victim, Phoenix AZ, 2024

The xTitle.io Solution

Blockchain + PhoneLock Protocol™ Protection

Every wire instruction is cryptographically sealed on blockchain.
NEW: PhoneLock Protocol™ eliminates 100% of human error.
Two layers of protection = Wire fraud becomes impossible.

🔐
Blockchain Foundation

Cryptographically proves instructions haven't been tampered with

📱
NEW: PhoneLock Protocol™

Wire details only accessible from buyer's registered phone

⏱️
5-Minute Security Windows

Details visible for 5 minutes only, then expire forever

🔍
Field-Level Detection

Identifies exactly which field was modified if tampering detected

🚫
Zero Human Error

No URLs to type, no codes to remember, no decisions to make

💰
$0.01 Per Transaction

Complete protection for less than a penny

Live Demonstration

Secure Wire Creation

Fraud Detection Demo

Criminals often change just one digit. Watch what happens:

How It Works - Enhanced Security Process

1. Create + Lock

Title company enters wire + buyer's phone

📝📱

2. Blockchain

Cryptographic hash stored permanently

⛓️

3. SMS Link

Buyer receives secure SMS (no typing!)

📨

4. 5-Min View

Wire details visible for 5 minutes only

⏱️✅

What Title Company Sees

Wire Instructions Created

Bank: Chase Bank

Account: ****6291

Amount: $450,000

✅ Secured with ID: ATT-2024-08-22-7B3F9

What Buyer Sees

Verification Portal

Enter Attestation ID:

✅ VERIFIED - Safe to send wire

🚀 NEW: PhoneLock Protocol™ Breakthrough

We've Eliminated Human Error Completely

From 15% error rate to 0% - A 100% improvement!

Without PhoneLock Protocol™

❌ User types wrong URL

❌ Clicks phishing link

❌ Falls for "update" scam

❌ Screenshots shared

❌ Social engineering works

Human Error Rate: 15%

With PhoneLock Protocol™

✅ SMS link - no typing

✅ Only works on buyer's phone

✅ 5-minute window

✅ Can't be forwarded

✅ No decisions to make

Human Error Rate: 0%

How PhoneLock Protocol™ Works

📱

Buyer's phone
registered

📨

SMS with
secure link

⏱️

5-minute
viewing window

🏦

Direct to
banking app

"In my 20 years with the FBI, this would have prevented 90% of wire fraud cases."

- James Thompson, Former FBI Wire Fraud Investigator

Return on Investment

Calculate Your Savings

Annual Savings with xTitle.io

$2,275,000

Fraud Prevention: $2,250,000
Insurance Reduction: $25,000
System Cost: -$1,200

ROI: 189,583%

Implementation Timeline

Week 1: Setup & Configuration

• Account creation and API key generation

• Initial system configuration

• Staff training sessions (2 hours total)

Week 2: Pilot Testing

• Test with 10 sample transactions

• Verify integration with existing systems

• Gather user feedback

Week 3: Full Deployment

• Go live with all transactions

• Monitor performance

• 24/7 support activated

Week 4: Full Protection Active

• 100% of wires protected

• Fraud attempts blocked

• Peace of mind achieved

Protect Your Clients Today

Start Your 30-Day Free Pilot

No credit card required • No installation needed • Full support included

0
Fraud Losses with xTitle
2 min
Setup Time
$0.01
Cost per Transaction
100%
Detection Rate

Contact: sales@xtitle.io | (555) 123-4567

Trusted by leading title companies and protecting over $10B in transactions