--- title: What is the step-by-step process? description: Panoptic Finance connects heirs and investors through an inheritance exchange where heirs can access early payments on their inheritance while probate is ongoing. Learn how inheritance advances work and explore probate insights. image: https://www.panopticfinance.com/hubfs/PF%20HUBSPOT%20Blog10-1.png --- [Skip to content](https://www.panopticfinance.com/blogs/what-is-the-step-by-step-process#main-content) [![Panoptic logo](https://www.panopticfinance.com/hs-fs/hubfs/logo_panoptic%20(2).png?width=1080&height=296&name=logo_panoptic%20(2).png)Homepage](https://www.panopticfinance.com) - [Home](https://www.panopticfinance.com) - [Blogs](https://www.panopticfinance.com/blogs) - [Home](https://www.panopticfinance.com) - [Blogs](https://www.panopticfinance.com/blogs) ![Panoptic Finance inheritance exchange helping heirs access inheritance funds during probate](https://www.panopticfinance.com/hs-fs/hubfs/PF%20HUBSPOT%20Blog10-1.png?width=2240&height=1260&name=PF%20HUBSPOT%20Blog10-1.png) accessing inheritance before probate probate cash advance inheritance exchange platform # What is the step-by-step process? ![Elaine Jackson](https://app.hubspot.com/settings/avatar/d41d8cd98f00b204e9800998ecf8427e) Elaine Jackson March 12, 2026 Here’s a step-by-step breakdown of how inheritance advance payments typically work: 1. **Inheritance Profile** The process begins with the heir creating an Inheritance Profile, and uploading documentation to support the inheritance claim. This will require details about the deceased’s estate, including the value of the inheritance and the expected timeline for estate settlement. This information is not yet public. 2. **Risk Assessment** Panoptic will undertake assessment and validation of the Inheritance Profile details and rate the Inheritance Profile against our Risk Matrix, which will provide guidance to buyers interested in the purchase. This information is now public, and can be bid on by buyers. 3. **Bids** The Inheritance Profile can now receive bids from interested buyers. The bid amount will be less than the total inheritance to account for risk and fees that will now be held by the buyer. The heir will receive notification and details of any bids. The heir can then accept or reject a bid. 4. **Binding the Bid** If the bid is accepted by the heir, Panoptic will send through contract details between the heir and the buyer as the legally binding agreement. Once this is signed by both parties, Panoptic will: - Request financial deposit details from the heir, and securely provide to the buyer. - Submit the contract with the registered probate attorney and/or probate court, as required. 5. **Payment** Upon the signing of the contract and receipt of financial deposit details, the buyer will make payment direct to the heir. Panoptic will facilitate the financial exchange via the Panoptic Finance – The Inheritance Exchange website, for record. The buyer will make a lump sum payment to the heir. There are no repayments. An inheritance advance payment is not a loan and does not have any loan repayments attached to it. The buyer will receive the agreed inheritance payment direct from the estate on settlement, as per the contract assignment. The Panoptic Inheritance Exchange is Launching Soon! Submit your indication of interest at our [home](https://www.panopticfinance.com/)page.  Your submission of interest will register you on our mailing list, where we will keep you educated on probate and inheritance advances and informed on our launch. Registering your interest does not imply any obligation or commitment.  ![](https://www.panopticfinance.com/hs-fs/hubfs/image-png-1.png?width=631&height=623&name=image-png-1.png)   ## Share this post [mailto:https%3A%2F%2Fwww.panopticfinance.com%2Fblogs%2Fwhat-is-the-step-by-step-process](mailto:https%3A%2F%2Fwww.panopticfinance.com%2Fblogs%2Fwhat-is-the-step-by-step-process) ## Keep reading ### [![](https://www.panopticfinance.com/hs-fs/hubfs/PF%20HUBSPOT%20Blog10.png?width=2240&height=1260&name=PF%20HUBSPOT%20Blog10.png) probate wills estate planning Probate vs Trust: What’s the Difference and Which Is Right for You?](https://www.panopticfinance.com/blogs/probate-vs-trust-whats-the-difference-and-which-is-right-for-you) ### [![](https://www.panopticfinance.com/hs-fs/hubfs/PF%20HUBSPOT%20Blog9%20(2).png?width=2240&height=1260&name=PF%20HUBSPOT%20Blog9%20(2).png) what happens when a parent dies inheritance probate process intestate succession What Happens If Someone Dies Without a Will in Texas?](https://www.panopticfinance.com/blogs/what-happens-if-someone-dies-without-a-will-in-texas) - [Home](https://www.panopticfinance.com) - [Blogs](https://www.panopticfinance.com/blogs) --- Privacy Policy · Legal · © 2026 Panoptic Finance. 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