CertifID

What CertifID does

CertifID, Inc. is a Delaware-incorporated SaaS company founded in 2017 and headquartered in Austin, Texas, with a secondary office in Grand Rapids, Michigan. It builds a security and closing platform for the U.S. residential real estate market, targeting wire fraud - one of the largest sources of loss in real estate transactions. The platform combines identity verification (CertifID Match facial recognition with liveness detection), business verification, secure wire instruction sharing (Send/Collect/Confirm), automated mortgage payoff ordering (PayoffProtect, enhanced via the 2025 Painless Payoffs acquisition), digital earnest money and cash-to-close payment processing (via the Paymints.io acquisition), and DocuSign-powered e-signing inside a single branded client experience portal. Underlying the platform is a fraud-recovery service operated in partnership with the U.S. Secret Service, complemented by wire fraud insurance coverage up to $5 million per transaction underwritten by Lloyd's of London (Casper Speciality Syndicate #7935). The company holds SOC 2 Type II, GLBA, CCPA/CPRA, NACHA TPSP, BSA/AML, and FinCEN reporting compliance, and ships deep integrations into the dominant title production systems (SoftPro, RamQuest, Resware, Settlor, AIM+, ATClose).

CertifID operates a hybrid revenue model combining recurring subscription fees for identity verification, fraud prevention, and insurance with transaction-based fees for digital payments and mortgage payoff ordering. Pricing is quote-based and not publicly disclosed, with billing on annual cycles for enterprise customers. The go-to-market is enterprise-led, primarily through title agents and title insurance underwriters (with endorsement partnerships across Stewart, Old Republic, First American, FNF, Westcor, Alliant National, CATIC, Investors Title, Title Resources Group, and ALPS), supplemented by direct sales to law firms, real estate brokerages, and a consumer-facing layer reached through those channels. Demand generation is anchored on the annual State of Wire Fraud Report, industry conferences (NAR, ALTA), and an event- and content-driven marketing motion.

The company has scaled to 101-250 employees and reports protecting over 1.4 million real estate transactions and $300 billion+ in annual transaction volume, with $283 million in attempted fraud blocked in 2025 and over $118 million in stolen funds recovered. Capital base includes a $12.5M Series A from Arthur Ventures (May 2022), a $20M Series B (September 2023), a debt facility from CIBC Innovation Banking (April 2024), and a $47.5M Series C led by Centana Growth Partners (July 2025). The acquisitions of Paymints.io (January 2025), Painless Payoffs (September 2025), and CloseSimple (June 2026) mark a clear strategic shift from point fraud-prevention tool to integrated closing platform.

Name

CertifID

Legal name

CertifID, Inc.

Website

https://certifid.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

CertifID is a U.S. SaaS platform that provides identity verification, wire fraud prevention, and digital closing workflows for real estate transactions, serving title companies, law firms, real estate agents, and home buyers through subscriptions and transaction fees.

Ownership category

akta.pro rank

Product category

Real Estate Wire Fraud Prevention

NAICS

Investigation and Personal Background Check Services (561611)

akta.pro primary industry

Identity Verification (IDV) & Document Verification (FSAMALAE)

akta.pro secondary industry

Real Estate Payoff & Lien Release Services (BPAJAOAI)

Keywords

• Wire fraud prevention
• Identity verification services
• Real estate closing platform
• Secure payment processing
• Mortgage payoff verification

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Identity Verification Services: Subscription or transaction-based fees for identity verification services including CertifID Match facial recognition, business verification, and entity verification. Pricing likely based on transaction volume or subscription tiers.
2. Wire Fraud Prevention and Insurance: Fees for wire instruction verification and wire fraud insurance coverage, underwritten by Lloyd's of London. Coverage up to $5 million per transaction.
3. Payment Processing: Transaction fees for digital payment processing including earnest money deposits and cash to close. ACH and wire transfer facilitation.
4. Payoff Ordering Services: Fees for autonomous mortgage payoff ordering and verification services, eliminating manual processes for title companies.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

CertifID is a SaaS security platform that prevents wire fraud in real estate transactions by combining facial-recognition identity verification (CertifID Match), multi-factor verification of wire instructions, OFAC sanctions screening, and secure digital payment processing for earnest money and cash-to-close. The platform also offers wire fraud insurance (up to $5 million per transaction underwritten by Lloyd's of London) and dedicated fraud recovery services that work with the U.S. Secret Service to retrieve stolen funds for victims.

Product overview

CertifID offers a comprehensive real estate closing platform built around wire fraud prevention. The core platform includes CertifID Client Experience (unified closing portal), CertifID Match (facial recognition identity verification), PayoffProtect (automated mortgage payoff ordering), and Send/Collect/Confirm (secure wire instruction sharing). These are supplemented by payment modules (Earnest Money Deposit, Cash to Close), document management (Secure eSigning via DocuSign), insurance products (Wire Insurance, Money Protection Plan), and recovery services. The company has expanded through acquisitions including Paymints.io (payments), CloseSimple (closing automation), and Painless Payoffs (payoff automation). The platform protects over 1.4 million real estate transactions, having blocked more than $283 million in attempted fraud and recovered $118-132 million in stolen funds in partnership with the U.S. Secret Service.

Differentiator

Problem solved

Functional benefit

Brands

• CertifID Match: Identity verification feature using facial recognition technology to compare a live selfie photograph against government-issued identification documents to verify user identity.
• PayoffProtect
• CertifID Client Experience

Products and services

• CertifID Client Experience A unified real estate closing platform that integrates identity verification, document signing, payments, and wire instruction delivery into a single secure branded environment for buyers, sellers, title agents, and attorneys.
• CertifID Match

Quantifiable outcome

• $283 million in fraud blocked in 2025 alone
• +6 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability6 records

Feature8 records

Partnerships

22 partnerships are on record, tiered core and flagship.

• CloseSimplecoreStrategic or Co-development Partner · 18 June 2026Acquired in June 2026 to add closing communication and workflow automation capabilities. CloseSimple's platform used by hundreds of title companies will combine with CertifID's fraud prevention to create unified closing experience.
• Painless PayoffscoreStrategic or Co-development Partner · 9 September 2025Acquisition enhanced CertifID's autonomous mortgage payoff ordering solution, eliminating delays and reducing fraud risks in the payoff process.
• Paymints.iocoreStrategic or Co-development Partner · 14 January 2025Acquired in January 2025 to add integrated digital payment capabilities to CertifID's fraud prevention platform. Combined capabilities aim to improve end-to-end transaction security and streamline payments for real estate closings.
• US Secret ServicecoreStrategic or Co-development PartnerOngoing partnership for fraud recovery services. CertifID works alongside the US Secret Service to recover stolen funds for wire fraud victims, having recovered over $118 million to date.
• Lloyd's of London (Casper Speciality Syndicate #7935)coreStrategic or Co-development PartnerInsurance underwriter providing wire fraud insurance coverage for CertifID transactions, with coverage up to $5 million per transaction.
• StewartflagshipChannel Partner/ Reseller/ DistributorMajor title insurance underwriter with endorsement partnership providing distribution of CertifID services to their network of agents.
• Old Republic TitleflagshipChannel Partner/ Reseller/ DistributorMajor title insurance underwriter with endorsement partnership providing distribution of CertifID services to their network of agents.
• First AmericanflagshipChannel Partner/ Reseller/ DistributorMajor title insurance underwriter with endorsement partnership providing distribution of CertifID services to their network of agents.
• FNF (Fidelity National Financial)flagshipChannel Partner/ Reseller/ DistributorMajor title insurance underwriter with endorsement partnership providing distribution of CertifID services to their network of agents.
• DocuSigncoreTechnology or IntegrationE-signature integration partner powering secure document signing and workflow management within the CertifID platform.
• SoftProcoreTechnology or IntegrationDeep integration with SoftPro title production software embeds CertifID fraud prevention and verification into title workflow.
• RamQuestcoreTechnology or IntegrationDeep integration with RamQuest title production software embeds CertifID fraud prevention and verification into title workflow.
• SettlorcoreTechnology or IntegrationIntegration with Settlor title production platform for seamless fraud prevention within closing workflows.
• AIM+coreTechnology or IntegrationIntegration with AIM+ platform for enhanced fraud prevention and closing automation.
• WestcorcoreChannel Partner/ Reseller/ DistributorTitle insurance underwriter with endorsement partnership providing distribution of CertifID services.
• Alliant NationalcoreChannel Partner/ Reseller/ DistributorTitle insurance underwriter with endorsement partnership providing distribution of CertifID services.
• CATICcoreChannel Partner/ Reseller/ DistributorTitle insurance underwriter with endorsement partnership providing distribution of CertifID services.
• Investors TitlecoreChannel Partner/ Reseller/ DistributorTitle insurance underwriter with endorsement partnership providing distribution of CertifID services.
• Title Resources GroupcoreChannel Partner/ Reseller/ DistributorTitle insurance underwriter with endorsement partnership providing distribution of CertifID services.
• ALPScoreChannel Partner/ Reseller/ DistributorTitle insurance provider with endorsement partnership providing distribution of CertifID services.
• ATClosecoreTechnology or IntegrationIntegration partner for closing workflow automation.
• ReswarecoreTechnology or IntegrationIntegration with Resware title production software for fraud prevention within closing workflows.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Qualia: Qualia is a digital closing platform for title companies and real estate attorneys that provides title production, eClosing, and settlement workflow software. It overlaps directly with CertifID's ambitions to be the unified closing experience, though CertifID differentiates via its fraud-prevention-first identity verification stack.
• Snapdocs: Snapdocs is a digital closing network for mortgage lenders, title companies, and notaries, providing eClosing and eNotary infrastructure. Like CertifID, it sits in the residential real estate closing workflow and competes for the title company technology budget.
• Notarize: Notarize is a remote online notarization (RON) platform that enables identity-verified digital notarization for real estate and other documents. It overlaps with CertifID on identity verification and trusted closing interactions, though Notarize focuses on the notarization step itself.
• Earnnest: Earnnest provides digital earnest money deposit processing for real estate transactions, an adjacent capability now offered by CertifID following its Paymints.io acquisition. It competes with CertifID's Earnest Money Deposit and Cash-to-Close modules.

Emerging players

• Persona: Persona is a general-purpose identity-verification platform used for KYC, fraud prevention, and document verification across industries. While not real estate-native, it competes with CertifID Match on the underlying IDV technology and could be embedded into title software.
• Alloy: Alloy provides identity verification, fraud prevention, and compliance orchestration for financial institutions. Although primarily focused on banking, its identity decisioning platform is a competitor to CertifID's verification infrastructure for regulated transactions.

Broad incumbents

• Jumio: Jumio is an established identity-verification vendor serving banks, fintechs, and large enterprises with KYC and AML solutions. As a broad incumbent, it offers overlapping facial recognition and document verification capabilities that compete with CertifID Match at scale.
• Plaid: Plaid is a financial data connectivity and identity-verification platform used by fintechs and banks. Its identity and account-verification products represent a potential competitive vector into the real estate closing flow through lender integrations.
• Dotloop: Dotloop, owned by Zillow Group, is a transaction management platform for real estate agents and brokers. As a broad incumbent owned by the largest residential real estate marketplace, it is a credible long-term competitor in the closing workflow space.

Regional players

• Stewart Information Services: Stewart is one of the largest U.S. title insurance underwriters and a CertifID distribution partner. As a vertically integrated underwriter that could in-house fraud-prevention technology, Stewart represents both a key channel and a strategic threat.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/certifid
• Xx.com/CertifID

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

Funding overview

Funding rounds7 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CertifID