Does a wire-fraud tool even work on seller impersonation, or is that a different problem?

Practitioners often lump "wire fraud prevention" and "seller impersonation fraud" together in casual conversation, but the industry treats them as different technical problems.

Wire fraud diverts money after a legitimate-looking closing has already happened -- an attacker intercepts payoff or closing instructions and redirects funds. A wire-verification tool like CertifID or Closinglock confirms the bank account on the other end of the wire is the real one.

Seller impersonation fraud fakes the closing itself: someone impersonates the true owner to sell property they do not own, often targeting vacant or free-and-clear land where nobody is watching closely.

Instrument Match's mechanism addresses the second problem, not the first: it matches the signed instrument against the instrument the county recorded, and produces a file-ready record of that specific check at signing. It does not verify wire instructions, and it does not claim to "prevent" or "stop" impersonation -- it produces a record of what was checked.