
Lone Wolf Transactions (formerly TransactionDesk) - Detailed Review
Real Estate Tools

Lone Wolf Transactions (formerly TransactionDesk) - Product Overview
Overview
Lone Wolf Transactions, formerly known as TransactionDesk, is a comprehensive transaction management software specifically designed for the real estate industry. Here’s a brief overview of its primary function, target audience, and key features:Primary Function
Lone Wolf Transactions is intended to simplify and accelerate real estate transactions. It streamlines the entire process from listing to close, ensuring that all aspects of the transaction are managed efficiently and compliantly.Target Audience
The primary users of Lone Wolf Transactions are real estate agents, brokers, and associations. With partnerships with over 76 associations in the U.S., this software benefits more than 665,000 real estate agents, making it a widely adopted solution in the industry.Key Features
Client-Centered Design
The software is built with the client at the center of every transaction, ensuring their needs are prioritized throughout the process.Form Management
It includes pre-populated fields and integrated contact data, making it easier to edit and manage forms. The software offers legally compliant and licensed forms with extensive coverage across North America.Streamlined Workflow
Lone Wolf Transactions allows users to manage tasks, timelines, and signings all in one place, facilitating faster deal closures.Offer Management
Agents can create new offers or reuse work from previous deals to expedite the transaction process.eSignature Integration
Documents can be sent for signing with just one click using the integrated eSignature solution, Authentisign.Timeline View
A clear, step-by-step transaction tracker helps users stay on track with their transactions.Broker Compliance
The software includes real-time file reviews and custom checklists to ensure accuracy and compliance.Mobile-First Design
Agents can manage deals anytime, anywhere, thanks to its mobile-friendly design.Integrated Tools and Services
It connects to various real estate tools and services, including MLS, brokerage systems, and other industry solutions.Digital Title Orders
The software offers a digital title experience, allowing title orders to be completed in one click.Conclusion
Overall, Lone Wolf Transactions is a powerful tool that helps real estate professionals manage transactions more efficiently, ensuring compliance and providing a seamless experience for clients.
Lone Wolf Transactions (formerly TransactionDesk) - User Interface and Experience
User Interface Overview
The user interface of Lone Wolf Transactions, formerly known as TransactionDesk, is crafted to be intuitive, user-friendly, and highly efficient for real estate professionals.Client-Centered Design
Lone Wolf Transactions is built with a client-first approach, ensuring that the client remains at the center of every transaction. This design philosophy translates into a user interface that prioritizes the client’s experience, making it easier for agents and brokers to manage transactions in a way that aligns with the client’s needs.Streamlined Workflow
The interface is designed to streamline the transaction workflow, allowing users to manage tasks, timelines, and signings all in one place. This centralized approach helps in closing deals faster and more efficiently. Users can set up standardized agent workflows and create custom checklists with deadlines, ensuring that all tasks are completed on time.Ease of Use
The software features pre-populated fields and integrated contact data, which saves time and reduces manual errors. The ability to edit forms with ease and auto-transfer client data directly from the CRM further enhances the user experience, making it simpler to handle transactions.Mobile-First Design
Lone Wolf Transactions is optimized for mobile use, allowing users to manage deals anytime, anywhere. This mobile-first design ensures that all changes are synced in real-time, keeping everyone involved in the transaction loop, whether they are in the office or on the move.eSignature Integration
The integration of eSignature capabilities, such as Authentisign, enables users to send documents for signing in just one click. This feature significantly speeds up the transaction process by allowing clients to sign documents electronically through their email.Clear Transaction Tracking
The interface includes a clear, step-by-step transaction tracker, providing a timeline view that helps users stay on track with their transactions. This feature ensures that all parties are aware of the current status and upcoming steps in the transaction process.Compliance and Reporting
Lone Wolf Transactions includes real-time file reviews and custom checklists to ensure accuracy and compliance with local and state regulations. The platform also offers comprehensive reporting, detailing pipeline dollar volume, which helps brokers in managing their business more effectively.Training and Support
For users who need assistance, Lone Wolf Transactions provides extensive training resources, including pre-recorded webinar videos, written training guides, and on-demand webinars. This support ensures that users can quickly get familiar with the platform and its features.Conclusion
Overall, the user interface of Lone Wolf Transactions is designed to be intuitive, efficient, and highly user-friendly, making it easier for real estate professionals to manage transactions smoothly and effectively.
Lone Wolf Transactions (formerly TransactionDesk) - Key Features and Functionality
Lone Wolf Transactions Overview
Lone Wolf Transactions, a comprehensive real estate transaction management software, offers a range of features that streamline and simplify the real estate process. Here are the main features and how they work:Client-Centered Design
This feature ensures that the client is at the center of every transaction. The software is built around the client’s needs, allowing agents to provide excellent service and maintain strong client relationships.Edit Forms with Ease
Lone Wolf Transactions includes pre-populated fields and integrated contact data, making it easier and faster to edit forms. This reduces the time spent on paperwork and minimizes errors.Streamlined Workflow
The software manages tasks, timelines, and signings all in one place. This centralized approach helps agents close deals faster by keeping all aspects of the transaction organized and easily accessible.Offer Management
Agents can create new offers or reuse work from previous deals to move transactions along quicker. This feature helps in efficiently managing multiple offers and keeping the transaction process smooth.eSignature Integration
Documents can be sent for signing with just one click using the integrated eSignature tool, Authentisign. This eliminates the need for physical signatures and speeds up the transaction process.Timeline View
A clear, step-by-step transaction tracker helps agents stay on track with their transactions. This timeline view ensures that all steps in the process are followed correctly and on time.Broker Compliance
The software includes real-time file reviews and custom checklists to ensure accuracy and compliance. This feature helps brokers maintain regulatory standards and reduce liability.Mobile-First Design
Lone Wolf Transactions is designed to be mobile-friendly, allowing agents to manage deals anytime, anywhere. This flexibility is crucial for agents who need to stay productive on the go.Digital Forms and Document Management
The platform offers legally compliant and licensed forms with extensive coverage across North America. It also includes features for document storage, templates, tasks, and checklists, ensuring all transaction documents are managed efficiently.Integrated Tools and Services
Lone Wolf Transactions connects to various real estate tools and services, including MLS, brokerage systems, and other leading real estate solutions. This integration ensures a seamless workflow and reduces the need to switch between different applications.Digital Title Orders
The software provides a digital title experience, allowing agents to complete title orders with just one click. This streamlines a critical part of the transaction process.Reporting and Analytics
The platform offers comprehensive reporting, including details on pipeline dollar volume. This helps agents and brokers track their performance and make informed decisions.AI Integration
While the sources do not explicitly detail AI integration within Lone Wolf Transactions, the overall system is built to automate and streamline processes, which can be seen as leveraging automation technologies to enhance efficiency. However, there is no specific mention of AI-driven features in the provided resources.Conclusion
In summary, Lone Wolf Transactions is a comprehensive tool that simplifies and accelerates real estate transactions by centralizing workflows, integrating essential tools, and ensuring compliance. Its features are designed to enhance productivity, reduce errors, and provide a better client experience.
Lone Wolf Transactions (formerly TransactionDesk) - Performance and Accuracy
Evaluating the Performance and Accuracy of Lone Wolf Transactions
Evaluating the performance and accuracy of Lone Wolf Transactions, formerly known as TransactionDesk, involves looking at several key aspects of the software.
Performance
Lone Wolf Transactions is praised for its ability to simplify and speed up the real estate transaction process. Here are some performance highlights:
- Streamlined Workflow: The software allows agents and brokers to manage tasks, timelines, and signings all in one place, which helps in closing deals faster.
- Client-Centered Design: It focuses on the client rather than just the property, ensuring a more personalized and efficient transaction process.
- Custom Checklists: Brokers can set up custom checklists with deadlines, standardizing the paperwork process and preventing potential errors.
- Mobile-First Design: The software is fully online and optimized for mobile devices, ensuring real-time updates and accessibility from anywhere.
- Integration with Other Tools: Lone Wolf Transactions integrates seamlessly with other Lone Wolf solutions, such as CRM and eSignature tools, automating client data transfers and reducing manual errors.
Accuracy
Accuracy is a critical component of any transaction management software, and Lone Wolf Transactions has several features to ensure this:
- Legally Compliant Forms: The software provides pre-populated, legally compliant forms to minimize errors and ensure compliance.
- Auto-Transfer of Client Data: This feature reduces the risk of manual data entry errors by automatically transferring client data from the CRM to the transaction software.
- Broker File Review Process: The built-in broker file review process flags potential errors in real-time, ensuring accuracy and compliance.
- Machine Learning and AI: Lone Wolf is introducing next-generation smart forms that use machine learning to auto-check for errors and omissions, and provide autosuggestions and contextual insights.
Limitations and Areas for Improvement
While Lone Wolf Transactions offers a comprehensive set of features, there are a few areas where improvements could be made:
- User Adaptation: The introduction of new features, such as the global header, may require some time for users to adapt. However, Lone Wolf provides in-app messages and guided help to ease this transition.
- Continuous Updates: The software is part of an ongoing development process, with new features and improvements being rolled out regularly. This means users need to stay updated with the latest changes, which can sometimes be a learning curve.
- State-by-State Rollout: Some features, like the new global header, are being introduced on a state-by-state basis, which might cause temporary inconsistencies in user experience across different regions.
Overall, Lone Wolf Transactions is highly regarded for its performance and accuracy, with a strong focus on simplifying the real estate transaction process and ensuring compliance. While there may be minor limitations, the software’s continuous evolution and user support mechanisms help mitigate these issues.

Lone Wolf Transactions (formerly TransactionDesk) - Pricing and Plans
Pricing Structure
Lone Wolf Technologies offers flexible pricing plans for its transaction management software.
- Annual Pricing: The base plan for Lone Wolf Transactions starts at $199 annually, with a premium edition available for $239.
Different Tiers and Features
- Basic Plan: This plan, starting at $199 annually, includes core features such as contract management, document and communication management, pricing data, and comprehensive reporting. It also includes e-signature capabilities and integrations with other real estate technology providers.
- Premium Plan: Available for $239 annually, this plan includes all the features of the basic plan plus additional premium features, although the specific differences are not detailed in the available sources.
Integrations and Additional Costs
- CRM Integrations: Lone Wolf Transactions can be integrated with various CRM platforms, each with its own pricing. For example, PropertyBase starts at $69 per user, and LionDesk starts at $25 per user. These costs are separate from the Lone Wolf Transactions fees.
Free Options
- Free Access for Members: Members of certain real estate associations, such as the Suburban West REALTORS Association or Tri-County Suburban REALTORS, can access Lone Wolf Transactions (zipForm® Edition) for free as part of their membership. However, this access must be renewed annually at no additional cost.
Custom Packages
- Lone Wolf Technologies also offers customized packages based on the specific needs of the brokerage. This allows for a more personalized solution, but the pricing for these custom packages is not specified and would need to be discussed directly with Lone Wolf.
Summary
In summary, Lone Wolf Transactions offers a clear pricing structure with different tiers and the option for free access through certain memberships, along with the flexibility of custom packages and integrations with other real estate tools.

Lone Wolf Transactions (formerly TransactionDesk) - Integration and Compatibility
Lone Wolf Transactions Overview
Lone Wolf Transactions, formerly known as TransactionDesk, is a comprehensive real estate transaction management software that integrates seamlessly with various tools and platforms to streamline the real estate process. Here’s a breakdown of its integration and compatibility:
Integration with RPR Public Record Data
Lone Wolf Transactions (zipForm® Edition) integrates with Realtors Property Resource (RPR) to autofill forms with public record data. This integration allows users to link their RPR account with their Transaction zipForm® Edition account, enabling the auto-population of fields such as property address, city, state, ZIP code, tax account number, and more.
Document Management with zipVault
The software is also integrated with zipVault, which streamlines the management of transaction documents. Once logged into the Lone Wolf Transactions (zipForm® Edition) account, zipVault is automatically available, allowing users to upload and store all transaction documents in one place.
Offer Management with Openn
Lone Wolf has partnered with Openn to integrate their real estate offer platform directly into Transactions. This integration allows agents to receive and manage offers on properties, connecting them with the national transaction management benefit, CREA WEBForms® powered by Transactions, particularly beneficial for Canadian REALTORS®.
Integration with Other Real Estate Tools
Lone Wolf Transactions integrates with a variety of other real estate tools and services through the Lone Wolf Marketplace. This includes integrations for earnest money deposits, commission advances, home inspections, home warranty, home insurance, and moving services. These integrations connect seamlessly with zipForm and TransactionDesk, providing a complete system for managing every aspect of real estate transactions.
Client-Centered Design and Workflow Management
The software features a client-centered design, allowing agents to manage tasks, timelines, and signings all in one place. It includes tools for editing forms with pre-populated fields, managing offers, and tracking transactions through a clear timeline view. This streamlined workflow helps agents close deals faster and ensures compliance with real-time file reviews and custom checklists.
Mobile Compatibility
Lone Wolf Transactions is designed with a mobile-first approach, allowing agents to manage deals anytime, anywhere. This mobile compatibility ensures that agents can stay on top of their transactions regardless of their location.
Conclusion
In summary, Lone Wolf Transactions integrates with a range of tools and platforms to provide a comprehensive and connected system for real estate professionals. Its compatibility across different devices and platforms makes it a versatile and efficient solution for managing real estate transactions.

Lone Wolf Transactions (formerly TransactionDesk) - Customer Support and Resources
Lone Wolf Transactions Overview
Lone Wolf Transactions, formerly known as TransactionDesk, offers a comprehensive array of customer support options and additional resources to ensure users can effectively utilize their real estate tools.Customer Support
For any questions or issues related to accessing the service or logging in, users can contact Lone Wolf Transactions customer support. Here are the details:Phone Support
Online Support
Additional Resources
Lone Wolf provides several resources to help users get the most out of their products:Training Materials
Guides and Documentation
General Resources
New Platform Resources
With the launch of the Lone Wolf Foundation Platform, users have access to a unified platform that includes website building, CRMs, comparative market analyses, open house planning, transaction management, back office work, and accounting solutions. This platform is designed to be cohesive, requiring only one login to access all its capabilities. By leveraging these support options and resources, users of Lone Wolf Transactions can ensure they are well-equipped to manage their real estate transactions efficiently and effectively.
Lone Wolf Transactions (formerly TransactionDesk) - Pros and Cons
Advantages of Lone Wolf Transactions (formerly TransactionDesk)
Simplified Transaction Management
Lone Wolf Transactions offers a centralized system for managing contracts, documents, communication, and pricing data, making it easier to handle all aspects of a real estate transaction from listing to closing.
Integration and Compatibility
The platform integrates seamlessly with other Lone Wolf products, such as brokerWOLF, which manages back office tasks like commissions, accounting, and agent management. This integration ensures faster transactions, improved data accuracy, and better communication between agents and the office.
eSignature and Document Management
Users can sign documents electronically with the eSignature feature, and the platform allows for easy editing of forms with pre-populated fields and integrated contact data. This streamlines the workflow and reduces the time spent on document management.
Compliance and Accuracy
Lone Wolf Transactions includes real-time file reviews and custom checklists to ensure compliance with local and state regulations. This helps in maintaining accuracy and reducing the risk of non-compliance.
Client-Centered Design
The software is designed with the client at the center, ensuring that all transactions are managed with the client’s needs in mind. It also provides a clear, step-by-step transaction tracker to keep users on track.
Mobile Accessibility
With a mobile-first design, users can manage deals anytime, anywhere, enhancing flexibility and productivity.
Disadvantages of Lone Wolf Transactions
Cost and Pricing
While the platform offers various pricing options, including a la carte pricing, some users find the costs to be increasing regularly. For example, Lone Wolf Transactions starts at $199 annually, and premium editions or additional CRM platforms can add to the overall cost.
User Interface and Usability
Some users have reported that the software can be a bit clunky, particularly with the use of Canadian terminology over US terms. Additionally, there have been complaints about the password rules and the cumbersome login process.
Integration Issues with Other Platforms
There have been issues reported with integrating Lone Wolf Transactions with other platforms such as Salesforce, which can result in duplicated efforts. For instance, users have noted difficulties in calculating source deductions from benefits and issues with tabbing between fields in the payroll section.
Customer Support
Some users have expressed dissatisfaction with the customer support, noting that it is not as good as it used to be. There have been instances where problems were not fully resolved, leading to ongoing issues.
Specific Feature Limitations
Users have pointed out specific limitations, such as the inability to clone deals effectively and issues with updating agent information and lawyer details. These can be frustrating and reduce the overall efficiency of the system.
By considering these points, potential users can make a more informed decision about whether Lone Wolf Transactions aligns with their needs and expectations.

Lone Wolf Transactions (formerly TransactionDesk) - Comparison with Competitors
Unique Features of Lone Wolf Transactions
- Client-Centered Design: Lone Wolf Transactions is notable for its client-centered approach, ensuring that the client remains at the heart of every transaction. This includes features like pre-populated fields, integrated contact data, and a streamlined workflow to manage tasks, timelines, and signings efficiently.
- Comprehensive Transaction Management: It offers a complete transaction management experience, integrating forms, documents, contacts, offer details, listing details, and signings into a single intuitive platform. This integration with other Lone Wolf solutions, such as brokerWOLF, provides a seamless experience for transaction and back office management.
- eSignature Integration and Timeline View: The software includes eSignature integration, allowing documents to be sent for signing with just one click, and a clear step-by-step transaction tracker to keep users on track.
- Broker Compliance: Real-time file reviews and custom checklists ensure accuracy and compliance, which is crucial for real estate transactions.
- Mobile-First Design: The mobile-first design enables agents and brokers to manage deals anytime, anywhere, enhancing flexibility and productivity.
Potential Alternatives and Comparisons
Getfloorplan and Virtual Staging AI
These tools focus more on the visual and marketing aspects of real estate. Getfloorplan and Virtual Staging AI use AI to generate floor plans and virtually stage properties, which can be useful for listing and marketing but do not offer the comprehensive transaction management features of Lone Wolf Transactions.
Deepblocks and Proptrends.io
Deepblocks and Proptrends.io are more geared towards data analysis and market trends. They use AI to analyze large datasets for property listings and investment opportunities, but they lack the transaction management capabilities that Lone Wolf provides.
HouseCanary’s CanaryAI
HouseCanary’s CanaryAI is an AI tool focused on real estate investment, offering end-to-end solutions for property valuation, market forecasting, and performance monitoring. While it is comprehensive in its analytics, it does not cover the transaction management aspects that Lone Wolf Transactions specializes in.
Listingcopy.ai and CoolAIid
These tools are more focused on content generation and customer service. Listingcopy.ai generates listing descriptions, and CoolAIid helps with customer interactions. These tools can complement transaction management software but do not replace the comprehensive features offered by Lone Wolf Transactions.
Conclusion
Lone Wolf Transactions stands out for its holistic approach to real estate transaction management, integrating client service, workflow management, and compliance into a single platform. While other AI-driven tools in the real estate sector offer specialized services such as data analysis, marketing, and content generation, Lone Wolf Transactions provides a unique and comprehensive solution that covers the entire transaction process from start to finish. If you need a tool that centralizes and streamlines your real estate transactions, Lone Wolf Transactions is a strong contender. However, if you are looking for tools that specialize in specific areas like property valuation or virtual staging, you might consider the alternative solutions mentioned above.

Lone Wolf Transactions (formerly TransactionDesk) - Frequently Asked Questions
Frequently Asked Questions about Lone Wolf Transactions
Q: What happens to transactions when an agent moves to a new brokerage?
When an agent moves to a new brokerage, the transactions they created while at the prior brokerage will stay with the originating brokerage in Lone Wolf Transactions. This change occurs automatically, and the departing agent will receive PDF copies of the transactions via email. These transactions are transferred to the Primary Super User of the original brokerage.
Q: How do I set a Primary Super User in Lone Wolf Transactions?
To set a Primary Super User, the broker needs to reach out to the Lone Wolf support team at tdsupport@lwolf.com. If no Primary Super User is set, the transactions will transfer to the Super User with the earliest login, which may or may not be the Designated REALTOR. A Primary Super User is indicated by a green star beside their name in the agent list within Broker Tools in TransactionDesk.
Q: Can brokerages control which agents receive transaction PDFs?
Brokerages can set the Transaction Transfer setting to ON or OFF per office, but there are no user-specific controls. This means it is an all-or-nothing setting; either all departing agents receive the PDFs, or none do. The broker can change this setting at any time.
Q: Can some transactions be allowed to transfer with the agent while others stay with the brokerage?
If the Transaction Transfer setting is set to “Yes” (which is the default starting July 11, 2023), all transactions will transfer to the brokerage’s Primary Super User. The Primary Super User can then decide which transactions to release back to the agent, another agent, or keep in their own account.
Q: Can brokerages prevent departing agents from receiving PDF email links?
Yes, the Super User can temporarily turn off the Transaction Transfer setting until the transfer of the agent is complete and then turn it back on for the next transfer if desired.
Q: Do only closed transactions transfer to the prior broker’s Super User, or do all transactions transfer regardless of status?
All transactions that originated with the broker, whether open or closed, will stay with the broker and be assigned to the Primary Super User.
Q: What features are included in Lone Wolf Transactions?
Lone Wolf Transactions includes several key features such as MLS integration, which auto-populates listing information; forms and contracts that can be accessed from the cloud; document storage for organizing and storing documents; eSignature capabilities through Authentisign; and broker dashboards for real-time file reviews and custom checklists.
Q: How does Lone Wolf Transactions integrate with other Lone Wolf products?
Lone Wolf Transactions integrates with brokerWOLF, a back office and accounting solution, through a feature called Link. This integration allows for real-time sharing of transaction and back office information, ensuring agents and brokerage staff have the same information and can communicate changes instantly.
Q: What training resources are available for Lone Wolf Transactions?
There are various training resources available, including pre-recorded webinar videos, written training guides, and on-demand webinars. These cover topics such as creating transactions, adding contacts and forms, creating checklists and tasks, and using Authentisign for eSignatures.
Q: How much does Lone Wolf Transactions cost?
The cost of Lone Wolf Transactions starts at $199 annually for the basic edition, with a premium edition available for $239. Pricing can vary based on the specific needs of the brokerage, and other CRM platforms offered by Lone Wolf have different pricing structures.
Q: Is support available for Lone Wolf Transactions?
Yes, support is available 24 hours a day, 7 days a week. Users can call 800-668-8768 or email tdsupport@lwolf.com for assistance with any issues related to TransactionDesk.

Lone Wolf Transactions (formerly TransactionDesk) - Conclusion and Recommendation
Final Assessment of Lone Wolf Transactions
Lone Wolf Transactions, formerly known as TransactionDesk, is a comprehensive transaction management software that has revolutionized the way real estate agents and brokerages handle transactions. Here’s a detailed assessment of its benefits and who would most benefit from using it.
Key Features and Benefits
- End-to-End Transaction Management: Lone Wolf Transactions allows agents to manage their entire transaction online, from listing to close, eliminating the need for switching between multiple apps or duplicate data entry.
- Digital Forms and Compliance: The software includes legally compliant and licensed forms with over 99% forms coverage across North America, ensuring that all necessary documents are readily available and compliant.
- Integrated Tools and Services: It connects seamlessly with MLS, brokerages, and various real estate tools and services, providing a unified platform for all transaction needs.
- eSignature and Digital Title Orders: The system includes an eSignature add-on (Authentisign) and a digital title order feature, streamlining the signing and closing processes.
- AI-Driven Insights: While not a direct feature of Transactions, Lone Wolf’s broader suite includes AI-enabled Insights that help brokers analyze data, identify trends, and make data-driven decisions, which can indirectly benefit transaction management by improving overall brokerage efficiency.
Who Would Benefit Most
- Real Estate Agents: Agents will benefit significantly from the streamlined and digital transaction process, reducing errors and increasing productivity. The integrated tools and services ensure that all aspects of a transaction are managed in one place.
- Brokerages: Brokerages can champion transparency and reduce liability with the software’s communication platform and document repository. The integration with back office software (brokerWOLF) enhances data accuracy, transaction speed, and overall office management.
- Clients: Clients receive a modern, fully digital experience from listing to closing, which aligns with their increasing expectations for digital convenience in real estate transactions.
Overall Recommendation
Lone Wolf Transactions is highly recommended for real estate agents and brokerages seeking to enhance their transaction management processes. The software’s comprehensive features, integration capabilities, and compliance with legal standards make it an indispensable tool in the industry.
- Efficiency and Productivity: It simplifies and accelerates every step of the transaction process, reducing the burden of manual data entry and paperwork.
- Client Satisfaction: By providing a fully digital experience, agents can meet and exceed client expectations, leading to higher satisfaction and potentially more referrals.
- Broader Integration: The software’s ability to connect with various real estate tools and services, as well as its integration with back office solutions, makes it a versatile and essential tool for any real estate professional.
In summary, Lone Wolf Transactions is a powerful and essential tool for anyone involved in real estate transactions, offering a seamless, efficient, and compliant way to manage transactions from start to finish.