Why We Offer Transparency in Settlement Distribution

At Talli, we believe settlement distributions should be judged by one thing: how much money actually reaches the people it’s meant for. That’s why we’ve built our platform on transparency and claimant-first design. Here’s what that means in practice.

More Than The Dollar Amount

Settlement payouts represent more than money - they're about fairness, accountability, and closure. When someone receives their settlement payment, it acknowledges a wrong and delivers tangible consideration. The gold standard for settlement ensures this outcome. 

Today, claimants, lawyers, and courts are asking an increasingly important question: How can we ensure settlements deliver maximum value to claimants? The industry is rising to meet this challenge.

The Promise vs. Reality of Digital Payouts

Digital settlement payments promised to revolutionize settlement distributions: faster than cheques, cheaper to process, and more convenient for recipients.

But not all digital solutions deliver on that promise. Without careful design, digital payment products can lead to settlement funds unclaimed, limiting the value delivered to claimants.

The takeaway is clear - digital only fulfils its promise when it’s aligned with the goal of successful payment to claimants. We have written more about that previously, here.

The Industry Is Changing

The settlement industry is experiencing a renaissance of accountability. 

• Courts are demanding more oversight of distribution processes. The Northern District of California requires post-distribution accounting to show how much money reached class members (U.C. Law SF Study, 2024).
• Judges are rejecting settlements with poor redemption rates.
• Congressional leaders are questioning whether current practices serve class members’ interests.

At Talli, we embrace this evolution because our model is designed for it. We've built our platform to deliver what the industry increasingly demands: transparency, accountability, and claimant-focused outcomes.

Talli’s Approach = Transparency by Design

We've designed our platform around a simple principle: our success should be measured by how effectively we get money to claimants.

We maximize the probability of redemption: Our journeys are customer centric, we offer a multi-option digital payout and then introduce periodic branded communication nudges as necessary to help remind a claimant to redeem their payment. This significantly boosts claimant satisfaction and reduces or eliminates the escheatment burden for unused assets. 

Cash Transfer Methods: We offer bank transfers, digital wallets, and other direct payment methods that put money directly into claimants' existing accounts - no activation required, no expiration dates, no maintenance fees.

Clear & Fair Pricing: Our pricing is clear. We do not charge an upfront fee to disburse to a prepaid debit card. If funds disbursed to a prepaid card are not used for 12 months we charge a nominal card fee to cover the cost of ongoing card servicing. If a claimant later uses the card, those fees can be refunded. No other fees apply.

Fund Segregation Throughout: We maintain Qualified Settlement Fund (QSF) ownership throughout the entire payment lifecycle through secure, segregated FBO accounts, ensuring complete transparency and compliance.

Granular Reporting: Our platform provides real-time visibility into redemption rates, payment methods selected, and fund utilization, enabling administrators to provide detailed reporting to courts and counsel.

Reduce Cost: Shifting to digital disbursement from checks cuts the cost for mass payouts significantly. In one example alone, going digital reduced the cost of the Plaid settlement in 2021 by approximately $16M (Court filing, In re Plaid Inc. Privacy Litigation, N.D. Cal., 2021).

This shows courts and counsel don’t need to choose between efficiency and fairness - the right digital design delivers both.

Building Trust Through Transparency

We believe the industry is moving toward a future where transparency, efficiency, and claimant outcomes are the foundation of exceptional settlement design. This future demands platforms built on the right principles from the ground up.

As scrutiny of settlement practices continues to grow, we believe transparent, claimant-focused distribution will become the industry standard. 

As the industry demands better practices, settlement stakeholders will choose partners whose incentives align with getting money to the people who deserve it.

At Talli, that alignment is our north star.