Qualia added fraud prevention as a feature. We built it as the foundation.

CertifID built the first wire fraud prevention software for real estate. Now we have a streamlined closing workflow built on that foundation. Backed by years of fraud pattern data, a clear yes or no on every wire, and $5M of first-party insurance per file.

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Native isn't the same as protected

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

Built for fraud from day one

CertifID built the first wire fraud prevention software for real estate, founded by people who had lived through the problem. Years developing broader coverage, stronger verification, and better response when fraud slips through.

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

Transaction coverage for your business

Every CertifID-protected wire is covered up to $5M, with your company as the named insured, with no eligibility tiers and no risk-score requirements. Coverage matters as much as the prevention you pay for.

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's recovery team works directly with the U.S. Secret Service to freeze accounts, coordinate with law enforcement, and return misdirected funds. $126M recovered to date.

Why title teams choose CertifID over Qualia Sheild

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.