xTitle.io - Visual Flow Demonstration

1

Wire Instructions Created

Title company enters wire details into the system

{ "bank": "Chase Bank", "account": "483756291", "routing": "021000021", "amount": "$450,000" }

2

PhoneLock Protocol™ Registration

Buyer's phone number registered and hashed

phone: ***-***-0123 phone_hash: 8c7f9b2a3d5e6f... lock_status: ACTIVE window: 5 minutes

3

Field-Level Hashing

Each field is individually hashed using SHA-256

bank_hash: 7f3a9b2c4e5d6f8a... account_hash: 4e8d1f5a9b3c7d2e... routing_hash: 9c2b7e3d5f8a1b4c... amount_hash: 1a5f8c9e3b7d2f4a...

4

Merkle Tree Creation

All hashes combined into single root hash

merkle_root: 8b4c9d2e7f3a1b5c6e8d9f0a includes: field_hashes + phone_hash

5

Blockchain Storage

Phone-locked hash stored on XRP Ledger

XRPL TX: 4A7B9C2D8E3F1A5B6C7D8E9F0A1B2C3D Ledger: 82,457,239 PhoneLock Protocol™: ENABLED Cost: $0.000012 XRP

6

SMS Verification

Buyer receives SMS with time-locked link

SMS to: ***-***-0123 Code: ABC123 Link: verify.xtitle.io/s/PL-2024-7B3F9 Expires: 60 seconds

7

Phone-Locked Access

Wire details only visible for 5 minutes

Status: ✅ PHONE VERIFIED ✅ BLOCKCHAIN VERIFIED Time Remaining: 4:47 Screenshot: BLOCKED

xTitle.io Visual Flow