About ZOCCAM

A decade of making
real estate payments safer.

ZOCCAM has been securely moving escrow deposits between consumers, real estate agents, and title companies since 2015 — with 9 U.S. patents and over $10 billion processed. We are a Dallas-based fintech built specifically for the real estate transaction.

How We Got Here

Built by someone who saw
the problem firsthand.

ZOCCAM was founded in 2015 by Ashley Cook, a Dallas native and licensed real estate attorney who had spent her career representing real estate brokers and title insurance companies. She saw the problem from both sides: agents driving checks across town, title companies handling wet-signature documents in vulnerable ways, and buyers worrying about whether their earnest money actually arrived.

Wire fraud was accelerating. Couriers were expensive and error-prone. And the existing solutions — clone-able ACH forms, mailed cashier’s checks, manual data entry — were built for a different era.

Ashley believed there was a better way: a platform built specifically for real estate payments, with the title company’s workflow at the center, funds moving directly to the escrow account, and the consumer experience made simple enough for anyone to use. That idea became ZOCCAM.

A decade later, ZOCCAM processes over $1.4 billion in escrow deposits every year for more than 450 title companies — and holds 9 U.S. patents on the technology that makes it work.

Ashley Cook
Founder & CEO

Ashley Cook is a Dallas native and licensed real estate attorney who founded ZOCCAM in 2015. She continues to lead the company as CEO.

ZOCCAM by the Numbers

A decade of
scale and trust.

$10B+
Processed since 2015
in escrow deposits
$1.4B+
Every year
and growing
450+
Title companies
across the U.S.
150+
Banks integrated
for direct transfers
9
U.S. patents
granted
Our History

Ten years of
building in one lane.

2015Founding

ZOCCAM launches in Dallas

Ashley Cook founds ZOCCAM Technologies, Inc. to solve a problem she saw firsthand as a licensed real estate attorney. The original mission: move escrow deposits directly to the title company, without couriers, without risk, without friction.

2020First Patent

First U.S. patent granted

The USPTO grants ZOCCAM’s first patent for mobile deposits into escrow accounts — Patent 10,671,982 B2. The foundation of ZOCCAM’s patent portfolio.

2021Portfolio Expansion

Six additional patents awarded

ZOCCAM receives six additional U.S. patents covering payments and payment data in real estate transactions, cementing its position as the category’s leading innovator.

2023–2024 Continued Innovation

Three more patents granted

ZOCCAM’s patent portfolio grows to 9 granted U.S. patents, including grants in 2023 and November 2024 covering database management of transaction information and payment instruction data.

TodayScale

450+ title companies. $1.4B+ annually.

ZOCCAM now processes over $1.4 billion in escrow deposits every year for 450+ title companies across the U.S., with 9 U.S. patents and a platform trusted by every major underwriter.

Leadership

The team behind the platform.

Ashley Cook
Ashley Cook
Founder & CEO

A Dallas native and licensed real estate attorney, Ashley built ZOCCAM from firsthand experience representing brokers and title insurance companies. She saw the fraud risks and operational friction in real estate payments and set out to solve them — founding ZOCCAM in 2015 and building the technology that now moves over $1.4 billion in escrow deposits every year. She continues to lead the company’s strategy and vision.

Steve Terry
Steve Terry
Chief Operating Officer

Steve joined ZOCCAM in 2019 as Chief Operating Officer, bringing operational expertise from PwC and RamQuest. He leads ZOCCAM’s day-to-day operations, title company partnerships, and platform delivery — ensuring the team can scale with the company’s growing footprint.

Intellectual Property

9 U.S. patents. One mission.

ZOCCAM holds 9 granted U.S. patents covering the systems and methods that power secure real estate payments. The portfolio spans payment processing, transaction data management, and multi-source payment rails — from the first grant in 2020 through the most recent in November 2024. Additional applications are pending.

First
10,671,982 B2
June 2020
Payment Processing System, Apparatus and Method in Real Estate Transactions
10,922,766 B2
February 2021
Systems and Methods for Database Management of Transaction Information and Payment Data
10,922,767 B2
February 2021
Systems and Methods for Database Management of Transaction Information and Payment Instruction Data
10,922,768 B2
February 2021
Systems and Methods for Database Management of Transaction Information and a Plurality of Payment Sources
10,922,769 B2
February 2021
Systems and Methods for Database Management of Transaction Information Including Data Representative of Documents Related Thereto
10,922,770 B2
February 2021
Systems and Methods for Database Management of Transaction Information and Payment Data
11,562,450 B2
January 2023
Systems and Methods for Database Management of Transaction Information and Payment Instruction Data
11,615,491 B2
March 2023
Systems and Methods for Database Management of Transaction Information and Payment Instruction Data
Most Recent
12,148,055 B2
November 2024
Systems and Methods for Database Management of Transaction Information and Payment Instruction Data
All patents held by ZOCCAM Technologies, Inc. · 9 granted patents · 2 additional applications pending as of April 2026
What We Stand For

Three commitments we make
to every customer.

Direct to escrow, always.

Your money goes directly to your title company’s escrow account. ZOCCAM is never an intermediary. No float. No counterparty risk. No one touches the funds except your title company.

No marketing use of your data.

ZOCCAM does not sell, rent, or share buyer payment data with third parties for marketing purposes. When your deposit is complete, your data stays inside the transaction. Full stop.

Built for the real estate transaction.

ZOCCAM was designed from day one for one specific use: real estate escrow deposits. Not a general-purpose payment platform adapted for real estate — a platform that started here and has never done anything else.

Where We Are

Built in Dallas.
Serving the country.

ZOCCAM Technologies, Inc. 8117 Preston Road, Suite 750 Dallas, TX 75225

Founded and headquartered in Dallas, Texas — the city where Ashley Cook spent her career as a real estate attorney, and where ZOCCAM’s technology has been built and refined since 2015.

Get Started

Ready to bring ZOCCAM
to your title company?

Schedule a demo and see how ZOCCAM fits into your workflow — or contact our sales team directly.

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