Verticals
Features
Hudson Technology Systems is a technology company and not a bank. Banking services provided by our partners or customers. Hudson Technology Systems LLC © 2026. All Rights Reserved.
If you are researching Agiletics alternatives, you are almost certainly a bank on a Jack Henry contract running the JHA Agiletics Escrow System — and you have hit the point where the tracking works fine and everything around it does not.
Agiletics earned its position. Founded in 1987, acquired by Jack Henry on October 1, 2018, and still sold today, it documents ten statutory escrow types — attorney/trust covering both IOLTA and IOLA, plus landlord/tenant, title company, pre-need deposit, resident care, surrogate, developer, real estate, municipalities and 1031 exchanges — with state-specific interest accrual and client self-service through a branded portal. That depth is better than most modern platforms.
Three things send banks looking anyway.
It is an accounting system, not a money-movement system. This is the part most evaluations get wrong, because "sub-accounting" sounds like it includes moving the money. It does not. Agiletics records what each sub-account holds. Getting funds out — an ACH, a wire, a payout to a beneficiary — happens in your cash management platform, which is a different system with a different login. For a security deposit that arrives once and sits for a year, that distinction never surfaces. For a title company, a settlement, a construction draw or a law firm's client ledger, it surfaces every day.
The operational tax lands on your team. Funding a sub-account takes two entries: credit the master, then post to the sub. An inbound ACH file carrying forty payments for forty sub-accounts gets allocated by hand. And there is no single sign-on from your digital banking platform, so your client keeps a second login. Small work, multiplied by every account, every month. Confirm each one in a demo — the complaint from banks running Agiletics is rarely a missing feature. It is headcount.
The roadmap moved somewhere else. Jack Henry closed its acquisition of Victor Technologies on September 30, 2025 and now markets virtual accounts through Payments Orchestrator, which does not reference Agiletics anywhere. No sunset is announced — but no escrow, 1031, IOLTA or HOA product has shipped on Victor either, which is why it is not one of the five below. It is a roadmap question for your rep, not a product you can buy. Ask before you sign a multi-year term.
One more thing worth testing rather than assuming: attorney trust is named in the documentation, but naming a capability and having banks in production on it are different claims. Ask for a reference running IOLTA on it at your asset size.
Bottom line: Hudson if your escrow relationships have outgrown hold-and-report and money needs to leave sub-accounts on the terms of an agreement. ZSuite if self-service and automated statements are the gap and deployed footprint is what reassures your committee. Intellect only if you are large, international, or both. Finzly if the problem is ledger architecture and payment rails rather than escrow compliance. Cashfac if your book is statutory client money — the closest like-for-like VAM replacement on this page.
Best for banks whose escrow relationships require principal to move on the terms of a contract.
The sub-ledger will look familiar if you run Agiletics: one master per relationship, unlimited sub-accounts beneath it, client self-service on opening. The differences are the three things the split architecture makes hard.
Inbound lands where it belongs. Sub-accounts are routable, so an incoming ACH or wire posts to the right sub-account on receipt rather than hitting the master and waiting for someone to allocate it — including a bulk file carrying dozens of payments.
Outbound leaves from the sub-account. Principal disburses across ACH, bulk ACH, Fedwire, check, RCC and eCheck on the bank's own rails, from the same system that holds the ledger. No second platform, no second login.
The rules come from the contract. Contract Intelligence ingests the loan document, PMA or escrow agreement and generates the entities, sub-accounts and payment triggers from its terms, so a construction draw or a 1031 deadline fires as a rule rather than a servicing task. Three-way reconciliation runs continuously, with 1099 generation and state bar remittance handled as product alongside OFAC, KYC, KYB and AML.
It connects to any core via API, including the jXchange path for SilverLake banks — connect to the master account, take event notifications on inbound funds, post to sub-accounts, no new ABA required — and can sit behind your existing digital banking front end.
The trade-offs. Agiletics wins on procurement, on nearly forty years of state-specific rule handling, and on the Investment System for money market sweeps, which Hudson does not replace — if that is part of why you bought it, that capability leaves with you. Agiletics is also live at asset sizes Hudson has not landed. The decision is mostly about your book: static holds keep Agiletics looking fine, and every payout-shaped relationship makes the case for switching.
Best for banks that want the proven self-service incumbent and the shortest reference list to check.
ZSuite is the most widely deployed modern platform in this category: more than 150 financial institutions as of August 2026, up from about 90 in mid-2024. It is also channel-multiplied rather than purely direct-sold — a pre-integrated app on the Fiserv AppMarket, resold by COCC since October 23, 2024, with integrations claimed to 16-plus cores including SilverLake. Implementation averages 120 days.
The trade-offs. It is a holding-account model — in ZSuite's own words, the system "comes on top of that account to be the system of record for the subaccounts," with the dollars in the holding account on your core. Principal disbursement routes through its Onbe partnership (virtual cards, ACH, push-to-card, mobile wallets), a third-party intermediary rather than your own rails. If the reason you are leaving Agiletics is that it cannot move money, run the same demo test here: watch a payout leave a funded sub-account and note how many systems it passes through.
Best for large and international banks running transaction banking at scale.
iGTB is the transaction banking arm of a publicly traded Indian enterprise fintech, live at Indian Bank, Crédit Agricole CIB, QNB, Bangkok Bank and Bank Albilad, and a 2026 Gartner Magic Quadrant Leader for Banking Payment Hub Platforms. On paper it answers every Agiletics complaint: escrow account setup in four to six hours, AI-driven condition verification at a claimed 80–95% automation rate, POBO and COBO at the virtual account level, compliance across 18-plus jurisdictions.
The trade-offs. Every named customer is a large national or global institution; we found no US community or regional bank running its escrow product. Payment execution also depends on a separate payments product, so the split you are trying to escape can follow you. And roughly 45–48% of Intellect's revenue is implementation and services, which tells you the shape of the engagement. If you are a $3B bank leaving Agiletics, this is the wrong direction.
Best for banks solving a ledger and rails problem rather than an escrow compliance problem.
Finzly is live at First Horizon, Synovus and Metropolitan Commercial Bank, and is the only US-founded vendor in the Datos Insights 2025 Virtual Account Management Matrix.
On the specs Agiletics is weakest on, it is strongest. Virtual accounts are created in under 200 milliseconds, each with its own routing and account number, so they receive ACH, wires and direct deposits directly — which is the inbound allocation problem solved at the account level rather than by a file process. A real-time double-entry ledger runs as a shadow ledger while the core stays system of record. Rails cover ACH, RTP, FedNow, Fedwire and SWIFT, with Finzly a Federal Reserve FedNow pilot participant. There is a named SilverLake integration via jXchange, which matters if you are staying on your core, and BankOS is sold as subscribe-and-launch apps rather than one platform fee.
The trade-offs. Escrow is a mechanical account type here — restricted withdrawals, release conditions, multi-party authorisation — framed toward marketplace holds rather than bank escrow relationships. No published evidence of IOLTA or IOLA handling, 1031 support, 50-state escrow rules, 1099 reporting or per-beneficiary OFAC screening.
Best for banks whose escrow book is really statutory client money.
Cashfac has built virtual account software from London since the 1990s, is FCA-registered as an AIS and PIS provider under FRN 805666, and reports 10-plus bank partners and 700,000-plus customer accounts.
Architecturally it is the most complete like-for-like replacement here. One physical DDA is virtualised into thousands of transactable virtual accounts, delivered through the bank's own channel. Interest is calculated at the virtual account level independently of the underlying account — the closest analogue to what Agiletics does well. Virtual identifiers route inbound funds to the right ledger on receipt, which is the allocation Agiletics leaves manual. Clients open their own accounts and transact instantly.
The trade-offs. American specificity. The compliance library is weighted away from the US, state-level escrow regimes are not addressed, and no page names FedNow, RTP or ACH support or resolves whether disbursement sweeps to a pooled account first.
Sources: Jack Henry & Associates — Technology Guide for Banks, Agiletics Escrow System product page, FinTalk (August 2021), Peapack-Gladstone Bank case study, investor relations releases and acquisition announcements; MVB Financial; ZSuite Technologies; Fiserv AppMarket; COCC; Intellect Design Arena and iGTB product pages, press releases and investor presentations; AWS Marketplace listings for iGTB VAM, Escrow and BaaS; Finzly; Cashfac; Datos Insights Virtual Account Management Matrix (May 2025) public listing.
Book a discovery call to learn how escrow products create new revenue streams and elevate consumer trust.
