Theo does the work a transaction team does. You do the work a license requires.

Your agents email paperwork to the deal's own address. Ratifyly splits the packet, identifies each document, builds the transaction off the contract, and counts the deadlines the way the contract counts them.

The audit runs the moment a document lands, against your rulebook, and every finding cites the page it came from. Each finding arrives with a drafted disposition already written: an approve rationale, a request note, or a waive reason. Quotes are checked word for word against the document. If Theo cannot ground a quote in the file, he throws the draft away rather than guess.

Send a finding back to an agent and Theo reads what comes back and tells you whether it looks like it resolves the finding. You decide whether it does. When a hedged pass gets demoted to a warning, he looks again, and offers you a one-tap accept only when a verbatim quote backs it.

Missing required paperwork gets chased from your agent on a schedule, with the follow-ups spaced out. If the agent goes quiet for five business days, the deal escalates back onto your board on its own. Theo chases your own agents himself. Nothing Theo drafts for anyone outside your brokerage leaves without a person clicking send.

Deadlines reconcile every thirty minutes, so one amendment re-flows everything downstream. You get a morning brief. Closed files cannot be deleted.

And when someone asks you to produce it, pull an audit bundle for any date range, up to 50 files per archive, with every finding and every approval attached.

The audit does not make you compliant, but it means nothing reaches your desk unread, unsorted, or uncited, so the call you make is the only work left. A human approves every call.

The disbursement sheet, the CDA, commission splits, the accounting exceptions queue, and the year-end 1099 view are running. Money rails get configured brokerage by brokerage, so we turn them on with you rather than shipping them hot.

Approving a payout consumes the agent's cap that cycle, and confirming it paid stamps the 1099 ledger. Two events, both yours, both recorded. Exceptions surface as a queue instead of a surprise in January. Brokerages banking on their own rails can generate an ACH batch file, once your originating bank, company id, and settlement account are set up. If you collect dues, they can come out of the same account your payouts go into.

This is the ledger your books are built from, not a replacement for them. You or your accountant still file.

Ratifyly never moves money on its own. Every disbursement is your directive, at your instruction, with your approval on it.

The teaching happens in the return. When a finding goes back to an agent it goes back with the page cited and the reason written, so the correction is specific instead of “fix the file.” Theo reads what comes back and tells you whether it looks like it closed. And because every finding is on the file, the pattern is there when you go looking: which agent, which document, how often.

The Docket is your brokerage on one page: what needs you, what is waiting on an agent, what is ready to approve. Ask Theo a question on it and he answers out of your live files. Ask him to do something and he hands you a card with the work already drafted: the chase email, the payout, the CDA, the accounting report.

You read it, and the send is yours. The payout card stops at your approval and hands you off to the desk. It never dispatches from the thread.