Financial Services
SOC 2 Certified

Finance Transformed.

Modernize banking, lending, and investment workflows. Zignature helps financial institutions sign loan documents, account openings, and compliance forms with SOC 2 certified security and full regulatory compliance.

Regulatory Compliance — SOC 2 Type II, GLBA, and FINRA-ready audit trails
Identity Verification — KYC with ID verification and selfie matching before signing
Secure Document Handling — 256-bit encryption, data residency options, and role-based access
Get Started - FREE View Pricing
No credit card required
Free plan available
Setup in under 5 minutes

*SOC 2 compliance, identity verification & regulatory audit trails included with Enterprise plan at $99/mo.

Zignature
Loan Closing
SOC 2
Send
Pacific Coast Capital
1200 Market Street, Suite 800, San Francisco, CA 94102
Loan #: PCL-2026-048291
February 21, 2026
Residential Mortgage Promissory Note
1. Promise to Pay

In return for the loan received, the undersigned Borrower(s) promise to pay to the order of Pacific Coast Capital the principal sum of Four Hundred Eighty-Five Thousand Dollars ($485,000.00), plus interest, in accordance with the terms set forth herein.

2. Interest Rate & Terms

Interest shall accrue at a fixed annual rate of 6.125% on the unpaid principal balance. Monthly payments of principal and interest shall be due on the first day of each month for a term of thirty (30) years.

Borrower Information
Borrower Name
James & Sarah Mitchell
Property Address
2847 Oak Valley Dr, Portland, OR
Loan Amount
$485,000.00
Term
30-Year Fixed at 6.125%
Loan Details
Close Date
02/21/2026
Loan #
PCL-2026-048291
Monthly Payment
$2,947.22
Borrower Signature
Signature
Date Signed
02/21/2026 at 10:15 AM
Witness
Loan Officer D. Martinez, NMLS#847291
Pacific Coast Capital · Confidential Financial Document · Do not distribute Page 1 of 4
SOC 2 Secured
Encrypted · Audit Logged
Loan Progress Complete · SOC 2 Secured
Zignature
Loan Pipeline Mortgage Division
Active
Loan Closing Workflow
Live
Pipeline Stages
42 active loans
Application
8
Underwriting
12
Signing
15
Funded
38
Intake
Disbursement
Active Closing — Williams Family
$425,000 Conventional Mortgage
30yr Fixed at 6.125% · LO: D. Martinez
3.1 hours
closing time
Promissory Note Signed 2:14 PM
Deed of Trust Signed 2:18 PM
Closing Disclosure Signing now...
9
Settlement Statement + 8 more Queued
JW
SW
TA
James, Sarah & Title Agent
3 of 12 signed
Before & After Zignature
Traditional
5-7 days
Print, mail, wet sign, scan, return
With Zignature
3.2 hours
Send, e-sign, verify, funded
3x faster closings · signing eliminated as bottleneck
Loan Processing

Close Loans 3x Faster

Digitize the entire loan closing process: disclosures, promissory notes, deeds of trust, and settlement statements. Borrowers sign from any device with identity verification — reducing closing times from days to hours.

The average mortgage closing takes 50 days from application to funded loan, with document collection and wet signatures accounting for the largest delays. Zignature eliminates paper-based bottlenecks by enabling borrowers, co-signers, title agents, and loan officers to execute closing packages digitally — with tamper-evident audit trails that satisfy TRID, RESPA, and state-specific recording requirements. Export signed documents as PDFs to file directly into your core banking platform.

TRID-compliant workflows — automated disclosure timing and borrower acknowledgments
Identity verification — KYC checks with ID document and selfie verification before signing
Multi-party signing — coordinate signatures across borrowers, co-signers, and notaries
Automated disclosure sequencing — ensure regulatory timing requirements are met automatically
E-closing room with video notarization support — remote online notarization compatible workflows

Did you know? Zignature customers report 72% faster loan closings and a 45% reduction in document errors compared to traditional paper-based closing processes.

Zignature
Account Opening
KYC Verified
Send
Harbor Trust Bank
National Association · Est. 1924
Acct: HTB-2026-09184
February 21, 2026
Deposit Account Agreement and Disclosure
Account Holder Information
Account Holder
Elena Vasquez-Torres
SSN
***-**-4821
Date of Birth
07/22/1985
Account Type
Business Checking - Premium
Business Information
Entity
Vasquez Design Studio LLC
EIN
82-4291037
State
Oregon
Authorized Signers
Elena Vasquez-Torres
Managing Member · Primary signer
Signed
Marco Vasquez
Member · Secondary signer
Signing...
KYC Verification Status
ID Verified
Address Confirmed
OFAC Clear
Primary Signer
Secondary Signer
Awaiting signature...
Harbor Trust Bank, N.A. · Member FDIC · Equal Housing Lender Page 1 of 3
Document Package Checklist 4/5 Complete
Deposit Account Agreement 2 min
W-9 Tax Certification 1 min
Beneficial Ownership Certification 1 min
Digital Signature Card 1 min
Electronic Fund Transfer Disclosure (Reg E) In progress
Total elapsed: 6 min 42 sec Avg: 35 min in-branch
Digital Banking

Digital Account Opening

Open accounts in minutes, not days. Signature cards, beneficiary forms, account agreements, and disclosures — all completed in a single digital session with embedded identity verification.

Branch-based account opening typically takes 30-45 minutes per customer and requires multiple paper forms, physical ID verification, and manual data entry. Zignature transforms this into a fully digital experience where customers complete deposit account agreements, W-9 forms, beneficial ownership certifications, and signature cards from any device. Signed documents export as PDFs ready to file into your core banking platform — no manual re-keying required.

KYC identity verification — ID document check and selfie matching before account opening
Multi-signer accounts — joint accounts, business accounts with multiple authorized signers
Works with your core banking system — export completed, signed documents as PDFs to upload into any platform
Digital signature cards — capture authorized signer specimens digitally with tamper-evident records
Automated W-9 and beneficial ownership collection — streamline CDD/EDD requirements for business accounts

Did you know? Banks using Zignature reduce account opening abandonment by 60% and cut average onboarding time from 35 minutes to under 8 minutes per customer.

Zignature
Compliance Center Risk & Audit
Compliant
Security & Compliance Monitor
SOC 2 256-bit
End-to-End Encryption Active
AES-256-GCM
DOC
BSA_AML_Q4_Attestation.pdf
a7f2...e9b1...4c8d...f3a0
SIG
J.Thompson_Signature_02142026
d2e8...71ca...bb04...9f12
At rest
In transit
TLS 1.3 · FIPS 140-2
Tamper-Proof Audit Trail
Export PDF
Document Signed
J. Thompson (CCO) · BSA/AML Q4 Attestation
10:15:33 AM
IP 10.0.4.12 Chrome 122 / macOS SHA-256 verified
Identity Verified
M. Rivera (CFO) · ID + Selfie match confirmed
10:08:17 AM
IP 10.0.2.8 KYC passed Biometric match 99.2%
Document Accessed
A. Petrov (VP) · Opened SOX 302 Certification
9:42:05 AM
IP 10.0.1.34 Safari 18 / iOS View only
Access Revoked
System · Former employee credential removed
9:15:00 AM
RBAC enforced Auto-policy
Document Integrity Seal
Tamper-Evident Certificate
This document has not been modified since signing. Any alteration will invalidate the cryptographic seal and be flagged immediately.
Hash verified
Timestamp sealed
Chain intact
Access Controls
RBAC
Role-based access
4 roles active
MFA
Multi-factor auth
100% enforced
Audit
Every action logged
2,847 events
Compliance

Compliance Without Complexity

Every document is encrypted, access-controlled, and audit-logged. Zignature maintains SOC 2 Type II certification and provides tamper-evident audit trails that satisfy banking regulators.

Financial institutions faced $10.4 billion in regulatory fines in 2024 — with document management failures cited in over 40% of enforcement actions. Zignature provides end-to-end encryption, role-based access controls, and comprehensive audit trails that track every view, download, print, and signature with IP address, timestamp, and user identity. Export audit reports as PDFs for examiner requests or internal compliance reviews.

Tamper-evident audit trails — every action logged with IP, timestamp, and identity for examiner requests
AES-256 encryption — military-grade encryption at rest and TLS 1.3 in transit for all financial documents
Role-based access controls — granular permissions for loan officers, compliance teams, and branch managers
Automated SOX 302/404 attestation workflows — streamline internal control certification processes
Real-time compliance dashboards with exception alerts — never miss a deadline or expiring attestation
SOC 2
Type II
GLBA
Compliant
FINRA
Ready
FDIC
Aligned
OCC
Ready
Zignature
Advisory Agreement
FINRA
Send
Meridian Wealth Partners
Registered Investment Advisor · SEC File #: 801-84291
IPS-2026-HFT-003
February 21, 2026
Investment Policy Statement
Client Information
Client
The Harper Family Trust
Beneficiary
Robert & Catherine Harper
Risk Profile
Moderate Growth
Time Horizon
15+ Years
Asset Allocation
Equities
55%
Fixed Income
30%
Alts
10%
Cash
5%
Portfolio Targets & Constraints
Total AUM
$2,400,000
Target Return
7.2% Annual
Max Drawdown
12%
Rebalance
Quarterly
Fee Schedule
AUM Tier
Annual Fee
Quarterly
First $500K
1.00%
$1,250
$500K - $2M
0.75%
$2,813
Over $2M
0.50%
$500
Investment Restrictions
Client has specified the following restrictions: No tobacco or firearms manufacturers, no single-stock positions exceeding 5% of portfolio, minimum 20% domestic fixed income allocation. ESG screening: moderate.
Suitability Acknowledgment: I acknowledge that I have reviewed my investment objectives, risk tolerance, and financial situation with my advisor. I understand that investments involve risk, including possible loss of principal.
Client Signature
Advisor
Marcus Webb, CFA, CFP
Managing Director
Meridian Wealth Partners · SEC Registered · FINRA/SIPC Member Page 1 of 3
IPS Completion Complete · FINRA Ready
Wealth Management

Streamline Advisory Agreements

Investment policy statements, discretionary agreements, and trust documents — all signed digitally with FINRA-ready audit trails. Onboard new clients and manage ongoing advisory relationships without paper.

Wealth management firms handle 200+ documents per advisor annually — from investment policy statements and Form ADV acknowledgments to beneficiary designations and trust amendments. Zignature digitizes the entire advisory workflow so your team can focus on growing assets under management instead of chasing wet signatures. Export signed documents as PDFs to file into your portfolio management or CRM system.

IPS and advisory agreements — capture risk tolerance, investment objectives, and client acknowledgments digitally
Trust and estate documents — coordinate multi-party signatures across trustees, beneficiaries, and attorneys
Digital IPS generation with risk profiling — auto-populate investment policy statements from client questionnaire responses
Beneficiary change processing in under 10 minutes — eliminate the 2-3 week paper-based update cycle

Impact: Wealth management firms save 15 hours per advisor per month by digitizing investment policy statements, beneficiary changes, and client onboarding workflows.

Use Cases

Financial Services Use Cases

Zignature serves the full spectrum of financial institutions with document workflows tailored to each sector's unique regulatory and operational requirements.

Commercial Banking

Loan origination documents, treasury management agreements, commercial deposit account openings, and corporate resolution certifications. Streamline complex multi-party commercial lending workflows.

Retail Banking

Personal checking and savings accounts, consumer lending applications, mortgage pre-approvals, home equity lines of credit, and certificate of deposit agreements with digital signature cards.

Credit Unions

Member agreements, share certificate documents, NCUA compliance attestations, and volunteer board resolutions. Designed for member-owned cooperative banking workflows.

Mortgage & Lending

Purchase applications, refinance packages, HELOC agreements, and construction loan draw requests. TRID-compliant disclosure sequencing with multi-party closing coordination.

Wealth Management

Investment policy statements, discretionary management agreements, trust documents, beneficiary designations, and Form ADV acknowledgments with FINRA-ready audit trails.

FinTech & Neobanks

Digital onboarding flows, regulatory filings, partnership agreements, and investor documentation. API-first architecture designed for modern financial technology platforms.

Zignature also serves insurance underwriting, private equity fund administration, venture capital deal flow, capital markets operations, equipment leasing, factoring companies, payment processors, and financial advisory firms — any organization that handles sensitive financial documents and requires legally binding electronic signatures with regulatory-grade audit trails.

Built for Financial Services

The Platform That
Institutions Trust

From community banks to enterprise financial institutions, Zignature powers document workflows with SOC 2 certified security and regulatory-grade audit trails.

Whether you're a mortgage lender closing residential loans, a commercial bank managing treasury agreements, or a wealth management firm onboarding high-net-worth clients — Zignature adapts to your workflow with templates, automation rules, and compliance controls built specifically for financial services.

99.9%
Uptime SLA
256
Bit Encryption
SOC 2
Type II Certified

Bank-Grade Security

Every document encrypted at rest and in transit. Role-based access controls and IP allowlisting for enterprise deployments.

Regulatory Audit Trails

Tamper-evident logs for every action. Export comprehensive audit reports as PDFs for examiner requests and compliance reviews.

Identity Verification

Built-in KYC with ID document verification and selfie matching. Verify signer identity before critical financial documents are executed.

Zignature
Financial Hub Overview
Live
Export
Loans
1,456
+28% this month
Accounts
892
45% digital
Avg Close
3.2hr
-72% faster
Compliance
100%
All checks passed
Recent Activity Today
Mortgage Closed: Williams
$425K conventional · 30yr fixed
Closed
Just now
Account Opened: Vasquez
Business checking · KYC verified
Complete
18m ago
SBA Loan: TechStart Inc
7(a) loan · Awaiting review
Pending
2h ago
IPS: Harper Family Trust
$2.4M AUM · Moderate growth
Sent
3h ago
BSA/AML Review: Q4
Compliance attestation · Complete
Verified
5h ago
Showing 5 of 63 today View all →
Join 10,000+ businesses worldwide

Ready to Transform
Financial Workflows?

Loan closings, account openings, compliance forms, investment agreements — all with SOC 2 certified security. Get started free today.

Join thousands of financial institutions — from community banks and credit unions to mortgage lenders and wealth management firms — who trust Zignature to handle their most sensitive document workflows. Our platform supports loan origination, account opening agreements, compliance attestations, investment policy statements, trust documents, and regulatory filings. Set up in minutes, not months.

Get Started - FREE View Pricing
No credit card required
SOC 2 Type II Certified
Setup in under 5 minutes

*SOC 2 compliance, identity verification & regulatory audit trails included with Enterprise plan at $99/mo. Identity verification add-ons billed per use.