> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ekho.com/llms.txt
> Use this file to discover all available pages before exploring further.
# What the Transaction Engine is
> Complete online vehicle sales, including everything regulated that happens after the buyer says yes.
Anyone can put a "Buy Now" button on a website. The hard part is everything regulated that happens next.
The Transaction Engine is that part. A buyer completes the whole purchase online, in any state, and your title clerk never touches paper.
## What is included
Vehicle, accessories, identity verification, delivery or pickup, payment.
Pre-qualification, multi-lender routing across all credit tiers, stipulations collected up front.
Protection products from **your** existing providers, bundled and presented in-flow.
All 50 states, every vehicle type, including off-road classifications.
Calculated, collected, remitted, and reconciled at state, county, and municipal level.
Embedded carriers quote and bind in-flow, then coverage is verified before the vehicle moves.
Over a thousand buyer signals scored by machine learning, with manual review above a risk threshold.
A nationwide partner network at rates negotiated for Ekho dealers.
Plus signature collection in all 50 states, covering e-signatures, wet signatures, notarization, and power of attorney.
## Why that list matters
Dealers have been promised "end-to-end online buying" before and watched it stop at a payment estimate. The difference here is depth after the yes:
* A buyer without insurance can get **bound inside the flow** rather than being sent away to come back later.
* Financing **stipulations are collected and pre-validated as the buyer goes**, so deals reach the desk clean instead of bouncing.
* Taxes are **remitted and reconciled**, not just calculated.
* Titling covers **every vehicle type in every state**, including things like California green stickers.
## What it means day to day
You can sell to a buyer in a state you have never sold into, at 2am, without anybody on your team being awake, and the paperwork is correct.
The four stages of a sale.
Walk the buyer's flow screen by screen.