Maximize Earnings with Monthly Perpetuity
PHOCIS Capital™ enables direct lenders to earn monthly perpetuity with interest-bearing Clearing Accounts. These accounts allow lenders to accumulate interest, boosting revenue without additional effort.

PHOCIS Capital™ enables direct lenders to earn monthly perpetuity with interest-bearing Clearing Accounts. These accounts allow lenders to accumulate interest, boosting revenue without additional effort.
Say goodbye to fees that eat into your profits. With PHOCIS Capital™, there are no charges for wires, account openings, or closings. You keep more of your money where it belongs—in your accounts.
Your funds are safe with us. All accounts are FDIC-insured and accrue revenue from U.S. Government T-Bills. This means you get a rock-solid guarantee of security and growth for your Hold-Back funds.
With our pioneering Digital Clearing Platform, managing post-closing, hold-back and construction funds is easier than ever. Lenders can enhance their financial strategy with tools that simplify the process, allowing you to focus on what you do best—lending.
At PHOCIS Capital™, we proudly stand behind those who have served our nation. One of our Founding Partners is a Veteran of the United States Marine Corps, and this commitment to service drives everything we do. As part of our mission to give back, we pledge 5% of our annual revenues to building tiny homes for United States Veterans, ensuring they have the support and dignity they deserve.
At PHOCIS Capital™, we celebrate diversity and the power of unique perspectives. One of our Founding Partners is a Black woman hailing from the islands, bringing a wealth of experience and a deep commitment to community upliftment. Her journey inspires us all, and she is dedicated to giving back to her community, ensuring that the impact of PHOCIS Capital™ reaches far beyond our business, extending to the places and people she holds dear.
Our Clearing Platform at PHOCIS Capital™ was brought to life by our lead developer, who hails from Pakistan and currently resides in Manchester, England. His journey is a testament to dedication and the pursuit of excellence. With a deep commitment to creating something bigger than himself, he has been instrumental in building a platform that reflects our values of innovation and community impact, bridging continents and ideas to deliver groundbreaking solutions.
At PHOCIS Capital™, we are deeply aware of the footprint we leave in the market and the lasting impact of our work. Expanding a brand-new way of looking at revenue can be daunting, but we see it as an opportunity to create meaningful change. By offering better rates for builders, reducing expenses for the build, and ultimately lowering costs for the final user, we are contributing to something far greater than just financial success. We believe in the power of community and are committed to creating something bigger than ourselves, ensuring that everyone benefits from the innovations we bring to the table.
Our website's stunning digital presence is crafted by a talented designer from Delhi, India. With a keen eye for detail and a passion for visual art, he works tirelessly to bring our vision to life online. His dedication ensures that every element of our website not only looks beautiful but also aligns perfectly with the values and mission of PHOCIS Capital™, creating an engaging experience for all who visit.
Legal & Platform Structure Disclosure | PhocisTech Inc. is the owner and operator of the proprietary PHOCIS Digital Clearing Platform. All technology, AI agents, automation systems, and digital banking infrastructure referenced herein are exclusively developed and maintained by PhocisTech Inc.Banking & Compliance Notice | Money transmission services are provided by Finxera, Inc. (NMLS 1168701) and its FDIC-insured banking partners. Banking services are offered through our strategic partnerships with Wells Fargo Bank N.A. and Axos Bank, both federally insured financial institutions. PHOCIS Tech solutions are engineered to comply with all applicable U.S. financial regulations and custodial standards. Risk Disclosure | Engaging with automated financial or operational systems involves inherent risks, including but not limited to operational disruptions or performance variability. Past performance is not indicative of future results. PhocisTech Inc. does not provide investment advisory, legal, or brokerage services. All platform activity occurs within regulated environments and is transparently logged via the PHOCIS Digital Clearing Platform. Contact Us | For inquiries regarding our technology platform, compliance infrastructure, or service model: 📧 info@phocistech.com | 📞 877.679.6879 | 🌐 www.phocistech.com