Instant settlements · Live on FedNow

Move money
in seconds.

Shteg is the settlement infrastructure for the deals that matter most — built for CEOs, Attorneys, Physicians, Judges, and CFOs who can't afford delay, risk, or ambiguity.

Get started → See the API

⚡ 7s Avg settlement

🔒 $0 Fraud exposure

🏛️ 8 Industries

Trusted by healthcare networks, real estate firms & law practices

Shteg Settlement Portal

Theodore Roosevelt · 1858–1919

The Architect of Financial Stability.

Settlement active

The Shteg Rail

One platform.
Every settlement.

See how Shteg compresses months of delay into seconds — across every industry we serve.

Settlement Time

The old way is
too slow.

Trillion-dollar industries still wait weeks. Every delay costs money, creates risk, and frustrates everyone.

IndustryBefore ShtegWith Shteg

Healthcare claim30–90 days7 seconds

Real estate closing30 daysInstant

Estate settlement6–18 months72 hours

Business acquisition90 days48 hours

Court disbursementWeeksInstant

🪪

Every party confirmed first

All participants are verified before any money moves. No exceptions, no workarounds.

⚡

All parties must agree

Settlement only completes when every required party has confirmed. Funds and assets move simultaneously.

📋

Complete record, every time

Every step is logged and timestamped. Admissible in court, accepted by regulators.

Identity Layer

Zero-trust
identity first.

Every counterparty is cryptographically verified before any funds are authorized to move.

CheckMethodStatus

Government IDOCR + Liveness✓ Verified

Bank accountPlaid Link✓ Confirmed

NPI / LicenseCMS Registry✓ Active

AML screeningOFAC + FinCEN✓ Clear

Counterparty signe-Signature✓ Bound

🔐

AES-256-GCM encryption

All identity tokens are encrypted at rest and in transit. Zero plaintext exposure.

🧬

Liveness detection

Biometric verification prevents spoofing, deepfakes, and stolen-ID attacks.

🏛️

Regulatory compliance

KYC, BSA, HIPAA, and state-specific licensing checks run automatically.

Audit Trail

Every step
on the record.

An immutable, timestamped ledger of every action — accepted by courts and regulators in all 50 states.

EventTimestampHash

Settlement initiatedT+0.000sa3f8…d12c

All parties verifiedT+1.204s9b2e…44fa

Funds authorizedT+2.891sc7a1…88d0

FedNow transferT+5.340sf0e3…2b19

Settlement confirmedT+7.002s1d9c…7e5a

📜

Court-admissible records

Our timestamped ledger has been accepted as evidence in probate and civil proceedings.

⏱️

Millisecond precision

Every event is captured to 3 decimal places — no ambiguity about sequence or timing.

🔗

Cryptographic integrity

Each record is hash-chained to the previous. Tampering is mathematically impossible.

Eight Rails · One Platform

Every industry. One sovereign rail.

Shteg is purpose-built for every sector where large payments move slowly, risk is highest, and compliance is non-negotiable.

R01

🏥

Healthcare

Claims settled in seconds, not months.

Shteg pays healthcare providers instantly after a patient visit is confirmed — HIPAA-compliant, AI-validated, FedNow-powered. No more 90-day waits.

94% first-pass approval rate

Launch portal →

R02

🏠

Real Estate

⚗️ Beta Testing

Atomic closings — currently in private beta.

ShtegHouse is live with our initial attorney network in Connecticut. Buyer, seller, and attorney confirm simultaneously — funds and title transfer in one atomic motion. Full rollout coming Q3 2026.

Attorney network onboarding now

Request beta access →

R06

🛡️

Insurance

Claims paid the moment they're approved.

Real-time adjudication tied directly to FedNow. When the claim clears underwriting, Shteg executes the disbursement — no check, no batch, no delay.

Same-day claim disbursement

Join waitlist →

R03–R08

🔒

Additional Rails

Estates · Business · Courts · Legal · Municipal

These verticals are architecturally complete and will be activated once the Big Three rails (R01 · R02 · R06) are fully operational at scale.

Activating Q3 2026

The Problem Shteg Solves

Wire fraud costs professionals $2.9 billion a year.

In real estate, law, and M&A, a single moment of fund exposure is all an attacker needs. The old way of moving money creates that moment by design. Shteg eliminates it.

$2.9B

Lost to wire fraud annually
across real estate & law alone

72 hrs

Average window between
wire send and fraud detection

Recovery rate for
most wire fraud cases

The Shteg Difference

Funds and title swap in the same atomic operation. There is no moment of double-exposure.

Every counterparty is verified. Every party agrees. Then — and only then — money and assets exchange simultaneously on the Federal Reserve's own rail.

🔒 $0 fraud exposure on every transaction

⚡ Zero window between payment and receipt

📜 WORM audit trail — court-admissible in all 50 states

🏛️ Federal Reserve infrastructure — no middlemen

How It Works

Simple as swiping a card.
Secure as a vault.

Three steps. Every transaction. No exceptions.

🪪

Everyone is confirmed

Every person involved proves who they are. No verification, no movement of funds — period.

✅

Everyone agrees

Every required party confirms the transaction. Shteg waits for complete agreement before a single dollar moves.

⚡

Money moves instantly

Once all parties confirm, funds and assets transfer simultaneously on the FedNow rail. No batches, no delays.

Integrations

Built to connect to
your existing systems.

Shteg integrates seamlessly with the platforms and workflows your team already uses. Enterprise API access is available by request.

🔗

System Integration

Connect Shteg to your existing practice management, EHR, or financial systems.

⚡

Instant Settlement

Settlement happens in seconds from the moment all parties confirm — no manual steps.

🔔

Real-Time Notifications

Your team is notified the instant a settlement confirms, fails, or requires attention.

🛡️

Secure by Design

Every integration is compliant with HIPAA, AML, and applicable financial regulations from day one.

📊

Full Reporting

Automated audit-ready reports for every transaction, formatted for your industry's requirements.

✉️

Request API Access

Enterprise integration packages are available to qualified organizations.

Trust & Security

Built to the highest
financial standards.

Every transaction meets the strictest security and regulatory requirements across all eight industry rails.

🏥

HIPAA Compliant

Full patient privacy protection on every health transaction.

🏦

Bank-Grade Security

Same standards as the largest financial institutions in the world.

⚡

FedNow Rail

Payments settle on the Federal Reserve's instant network. No middlemen.

📋

Full Audit Trail

Every step recorded and timestamped. Accepted by courts and regulators.

🏡

eClosing Certified

Meets all state and federal requirements for electronic real estate closings.

🔒

Zero Fraud Window

Funds and assets swap simultaneously — no moment of double-exposure.

💰

AML Screened

Every large transaction screened against OFAC and FinCEN before settlement.

🏛️

Court Accepted

Our records have been admitted as evidence in probate and civil proceedings.

What People Say

Trusted by the people
who move money.

★★★★★

"We closed a $685,000 home in under 10 seconds. The wire fraud risk we lived with every day? Gone. This is how closings should work."

Sarah R.

Real Estate Attorney, Connecticut

★★★★★

"We used to wait 90 days to get paid. With Shteg, the claim is confirmed and the payment hits our account the same day. It's changed how we run the practice."

Dr. T.

Ophthalmology Practice, New Haven CT

★★★★★

"Probate used to take 18 months. Our last estate settled in 72 hours. The family had closure — financially and emotionally — in three days."

M. Kowalski, Esq.

Probate & Trust Attorney

Move money in seconds.

One platform.Every settlement.

The old way istoo slow.

Zero-trustidentity first.

Every stepon the record.

Every industry. One sovereign rail.

Wire fraud costs professionals $2.9 billion a year.

Simple as swiping a card.Secure as a vault.

Built to connect toyour existing systems.

Built to the highestfinancial standards.

Trusted by the peoplewho move money.

Move money
in seconds.

One platform.
Every settlement.

The old way is
too slow.

Zero-trust
identity first.

Every step
on the record.

Simple as swiping a card.
Secure as a vault.

Built to connect to
your existing systems.

Built to the highest
financial standards.

Trusted by the people
who move money.