One trust account error and you lose your bar license.
Not your reputation — your license. Disbo is built on bank-grade security architecture because trust account money demands more than a password and a spreadsheet. Every transaction is encrypted, logged, and access-controlled.
Six layers of protection
Every layer works together so you never have to wonder if your clients' funds are safe.
AES-256 Encryption
All data at rest and in transit encrypted using AES-256 — the same standard used by the US Department of Defense.
SOC 2 (Coming Soon)
SOC 2 certification is planned and coming soon. Our infrastructure is built with security controls aligned to SOC 2 requirements.
Immutable Audit Logs
Every approval, payment, and login is logged permanently and cannot be altered. Bar compliance starts with knowing exactly what happened and when.
Role-Based Access Control
Paralegals initiate. Attorneys approve. Administrators audit. Access is least-privilege by default.
Multi-Factor Authentication
All accounts require MFA. Authenticator apps and hardware keys supported. SSO available for enterprise.
IOLTA-Compliant Architecture
Three-way reconciliation, client ledger separation, and bar-ready audit trails are not add-ons — they're the foundation.
Compliance isn't a feature.
It's the product.
IOLTA Trust Accounting
State bar rules require strict separation of client funds. Disbo enforces this at the architectural level — not through policy, through code.
Financial Regulation
Disbo operates through bank-regulated payment partners, ensuring ACH, FedNow, and check disbursements comply with NACHA, Federal Reserve, and applicable state regulations.
Data Privacy
Client financial data is stored with strict access controls. We never sell, share, or use your client data for any purpose beyond operating the service.
How Disbo protects your trust account data
Trust accounts are the single highest-risk asset in a personal injury practice. A misapplied payment, an unauthorized withdrawal, or a reconciliation error can trigger a bar complaint, a malpractice claim, or both. Disbo treats every trust account transaction as a compliance event — not just a financial one.
Every disbursement passes through a multi-step approval workflow before funds move. The system enforces segregation of duties: paralegals prepare disbursements, attorneys approve them, and administrators audit the results. No single user can initiate and approve a payment. This separation is enforced at the application level, not by policy alone.
All client funds are held in IOLTA-compliant trust accounts with real-time three-way reconciliation between the bank ledger, the client ledger, and the matter ledger. When the numbers do not match, Disbo flags the discrepancy immediately — before the disbursement is processed, not after.
Infrastructure
- AWS infrastructure with automatic failover and redundancy
- Continuous security monitoring and threat detection
- Regular penetration testing by third-party security firms
- Automated backup and disaster recovery procedures
- Zero-trust network architecture
Operations
- All employees undergo background checks and security training
- Principle of least privilege enforced across all systems
- Incident response plan tested quarterly
- Customer data never used for training or development
- Security team available 24/7 for enterprise customers
Your clients' money deserves better than a spreadsheet
Penetration test summaries and infrastructure documentation available on request for enterprise customers. SOC 2 certification is coming soon.
Disbo was designed from day one for the unique compliance requirements of legal trust accounting. Every architectural decision — from database schema to payment rail selection — was made with IOLTA rules, bar association requirements, and fiduciary duty in mind. We do not bolt security onto an existing product. Security and compliance are the product.