Smart Automation Solutions
for Banking

Bloxiom provides software to automate controls on banking transactions.

Banks use Bloxiom's patent pending technology to enhance accounts with control, anti-fraud and cyber attack protection features. Bank clients additionally can set and manage business rules on transactions in their accounts. Clients can implement control, expense and treasury policies in their accounts to automatically stop non-compliant or fraudulent transactions.


Allows account holders to require additional sign-off before a check is paid.

Account holders can specify the payment details of each of their suppliers.

Account holders can require multiple electronic signatures for certain transactions.

An account holding commingled funds in escbox uses a ledger to keep track of ownership.

Account holders get control over what persons with authorized access can and cannot do.

Enhanced Positive

Enhanced Positive Payee adds a layer of protection to the Positive Payee feature where the client can require an extra signoff for a check payment to go through. This adds protection against fraud by authorized persons.

Know Your

Know Your Client is enforced by all banks. With Know Your Payee bank clients attach banking details to their suppliers. Payments only go through if payee details match the stored information. Clients can require multiple signoffs for modifications to those details. This protects the clients and the bank against payments resulting from cyberattacks of the Business Email Compromise (email spoofing) type.

True Multisignature

The Dual Signatures feature is advertized by many banks but never enforced. With True Multisignature banks get a simple solution to implement this capability. Account holders can require multiple electronic signatures from multiple categories of authorized signers before a transaction on the account is processed, and make it dependent on the amount, the payee and/or the initiator of the transaction. Signoff can also be made dependent on the history of transcations or transaction stats, such as aggregate spending over a period of time, for further protection against fraud.

Smart Escrow

Property managers and law firms alike commingle funds they are holding in escrow when legal. These commingled funds are not fungible and strict rules apply as to how they are handled. Smart Escrow makes it possible to attach a smart ledger to the account with the proper attributions and automatic enforcement of legal transaction rules. Transactions are treated as if done on segragated sub-accounts.

Custom Account

Bloxiom technology enables the implementation of many more custom controls and features by the bank or its clients. Clients can set custom controls for employees in purchasing, for example, and specify the 'what', 'how much' and 'types of purchase'. They can also set aggregate limits on expenses and target zones for authorized expenses. Banks can automatically enforce compliance rules such as preventing payments to black listed entities.

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Use Cases