A closing workflow founded on protection, not bolted onto a portal

CertifID was purpose-built for fraud prevention and expanded to create the industry's most efficient closing workflow. ClosingLock started with a workflows and added security as an afterthought.

See how CertifID compares Talk to an expert

Protection built into every step, not added on top

A digital-style clock surrounded by glowing green dots, symbolizing time-saving through automated wire instruction verification.

More than a portal

Centralizing steps in one place is helpful. But title teams need more than a portal. They need a workflow where verification, insurance, and recovery are built into how the work gets done, not layered on top.

A bright green shield with a white checkmark in the center, encircled by digital orbit lines, representing risk reduction through insured verification.

Protection that works with your process

CertifID verifies identities, validates accounts, and secures instructions inside your existing workflow. Every wire is backed by insurance before it's delivered. There's no opt-out path and no gap where an unverified transaction can slip through.

A 3D-style cylinder made of green glowing rings on a dark blue background, symbolizing data-driven success through high verification accuracy.

Protection doesn't stop at prevention

CertifID includes a dedicated fraud recovery team that has recovered $116M working alongside the U.S. Secret Service. When fraud happens, a recovery specialist handles law enforcement coordination, bank communication, and fund recovery on your behalf.

Why title teams choose CertifID over ClosingLock

CertifID streamlines the closing process with best-in-class fraud protection built in.

Secure wire instructions

Yes

Digital payments (EMD + cash to close)

Yes

Identity verification

Standard verification

Advanced multi-factor (device, ID, selfie, 150 fraud markers)

Payoff verification with callbacks

Yes, 97%+ success rate

Verification opt-out policy

Sellers can opt out and still provide bank details

No opt-out. Every wire backed by insurance before delivery.

Human review on failed verification

No dedicated team

Dedicated team flags risk with context and next steps

ACH return risk assumption

Yes, complete protection

Final funds guarantee

Yes

Insurance type

Third-party (ClosingLock is named insured)

First-party (your company is named insured, paid directly by Lloyd's)

Insurance coverage

$2.5M per wire / $10M aggregate

$5M per file / $30M aggregate

Fraud recovery team

Yes, $116M+ recovered with U.S. Secret Service

Purpose-built fraud prevention

Workflow-first, security added later

Security-first, workflow built around it

Designed for title workflows, not just payment collection

CertifID was built on fraud prevention from day one. The workflow was designed around protection, not the other way around.

Protection architecture built from the ground up, not layered onto an existing portal.

Verification, insurance, and recovery built into the workflow, not offered as add-ons.

Every transaction reviewed by a validation team. If something fails automated verification, a human flags it with context and next steps.

No opt-out path for verification. Wire instructions aren't delivered unless they're backed by insurance.

Screenshot of the CertifID platform displaying a validated payoff verification screen, with blurred-out sensitive details like lender name, bank name, routing and account numbers. Options on the left menu include "Requests" and "Payoffs," and a “Download PDF” button appears at the bottom of the form.

Not all insurance is created equal

When title teams compare CertifID and ClosingLock, insurance is a major contributing factor. Here's how the two policies line up side by side.

$5M per file with a $30M aggregate, more than double ClosingLock's $2.5M per wire and $10M aggregate.

Your company is the named insured and gets paid directly. Thier third-party policy names ClosingLock, so every claim routes through them first.

A proven track record, with CertifID paying claims in as few as 7 days. Third-party policies typically run 6 to 12 months.

Coverage is licensed in all 50 states and 51 jurisdictions.

Protect the closing, not just the process.

Streamline the work. Protect the transaction. Close with confidence.