⚡ LIVE OS orchestrated 847 data relationships · 0 conflicts · PRAL cleared 2 payments · Avg 9.4-day settlement · Cascade engine updated 6 modules after field event · $14,200 in waste avoided by AI weather cross-reference · 47 workers paid this week · 0 payment disputes
Built from 25 years watching money stall on real jobs — this OS refuses to let that happen quietly.

DO THE
BUILD.
GET PAID FAST.

45 DAYS → 10 DAYS

Your crew shouldn’t wait 45 days for money they already earned.

BuildPaid is the operating system for construction payments. It reads the contract, monitors compliance, tracks dependencies, and authorizes payouts through a risk-aware engine. When conditions are met, the OS releases funds across the fastest safe rail. Faster payments, lower lender exposure, cleaner documentation — powered by a nine-layer architecture.

59 subsystems. PRAL arbitrates every payment, compliance, and schedule decision. Cascade tracks all dependencies. Weather AI flags risks before your crew shows up. Every action is logged with tamper-proof provenance. This isn't software. It's infrastructure.

Procore tracks what people say they did.
BuildPaid verifies what actually happened — and authorizes the money.

Replaces your payment processor, compliance checklist, and project spreadsheet — all of it. Powered by PRAL, the construction industry’s first arbitration brain — Detect → Verify → Decide → Pay.

buildpaid-kernel · v4.2.41 · LIVE
PROJECTGrand Concourse Tower
CONTRACT$1,794,500
HEALTH87/100 ●
INVOICESanchez Electric LLC
AMOUNT$284,000
STATEPayment authorized ✓
RAILOPEN · RTP · 10-day cycle
CASCADEDependency intelligence · last run 2m ago
AI VOICEReady · "Ask BuildPaid"
G702/703Generated · $284K certified
WEATHERTue conflict · PRAL notified
PATENTPending
PRAL ACTIVE · $284,000 IN MOTION
Capabilities
830+
Patent-filed capabilities spanning the full construction payment lifecycle
The problem we solve
45→10 days
Industry average 45 days. We cut it to 10.
PRAL rail abstraction
6 rails
ACH · RTP · FedNow · Blockchain · Wire · Card
Payment OS pricing
$199/mo
Starter. Pro at $699. Lender OS from $2,500.
// FOUNDER
Built by a Bronx contractor with 25 years in the field. I watched good crews stall for one reason: money moved slower than the work. PRAL is the fix.
BRONX, NY · BuildPaid LLC · USPTO FILED
// THE ARBITRATION LOOP · PATENT FILED

Every payment. One loop.
The OS handles it.

DETECT
BPI · Weather · Field
VERIFY
CV · Lien · Compliance
ARBITRATE
PRAL
The decision engine
DECIDE
Release · Hold · Partial
PAY
RTP · FedNow · ACH
45 days
Industry avg
10 days
BuildPaid

PRAL runs every payment through a 7-phase state machine DRAFT → SUBMITTED → REVIEWED → APPROVED → RELEASED → CLEARED → SETTLED — selecting the safest rail and writing tamper-proof provenance at every transition.

Lenders underwrite against verified machine state — not PDFs.

// PRAL: The Brain That Decides

ONE BRAIN.
EVERY DECISION.

PRAL
The Brain
CASCADE
Nervous System
BPI
Vital Signs
COMPLIANCE
Immune System
WEATHER · BID
Intelligence Feeds
ALEXIS
Command Interface
BPI — Performance Index · VITAL SIGNS
Project Health Intelligence · PRAL Input
Continuous job health monitoring · real-time
PRAL Engine · THE BRAIN
Arbitration Brain · Multi-Rail Orchestration
ACH · RTP · FedNow · Blockchain · Wire · Card
Cascade Engine · NERVOUS SYSTEM
Dependency Intelligence Engine
Real-time project intelligence · auto-updated
Weather AI · INTELLIGENCE FEED
Live Forecast × Schedule Conflicts
Open-Meteo · 7-day · Auto-recovery
OS
KERNEL
v4.2.41
Received · Verified · Paid
Bid Win Engine · INTELLIGENCE FEED
5-Model Pre-Construction AI
Multi-Model AI · Price Intelligence
Compliance Layer · IMMUNE SYSTEM
Davis-Bacon · Lien Waivers · G702/703
Automated · Audit-ready · Lender-facing
Every action logged, verified, and lender-ready by design.
Expired COI, missing conditional waiver, uncertified payroll — PRAL holds the draw until resolved. Automatically.
Alexis · Voice Interface · COMMAND LAYER
Alexis is the voice interface to the kernel.
She reads live state — not scripts. Always connected.
BuildPaid OS — Construction Payment Intelligence · Decisions · Actions · Memory
ARBITRATE
PRAL
SCORE→SELECT
VERIFY→PAY
PATENT ⬡
KERNEL
Memory · Provenance
IMMUTABLE · EVENT LOG
CASCADE
Nervous System
→ feeds PRAL
WEATHER AI
Live Signal
→ feeds PRAL
COMPLIANCE
G702 · Lien · D-B
→ feeds PRAL
AGENTS
Reflexes
PRAL triggers →
BPI
Vital Signs
→ feeds PRAL
Signal · Intelligence · Decision · Action · Provenance Patent Filed

PRAL arbitration, multi-rail orchestration, and kernel provenance are protected across six provisional filings (160 claims) — covering ACH, RTP, FedNow, blockchain, and all future payment rails.

Lenders underwrite against verified machine state — not PDFs.

59 Subsystems Implemented
Multi-Stage Payment Verification
160+ Patent Claims Filed
PRAL arbitrates every decision
Full Provenance on Every Action
The Brain
PRAL: The Arbitration Brain

PRAL is the central decision engine of BuildPaid OS — the brain that arbitrates every payment, compliance gate, and schedule conflict across your entire portfolio. Signal in. Arbitration logic applied. Action dispatched. No email chains. No approval delays. PRAL keeps the loop running clean.

45→10
Days to Payment
Industry avg → BuildPaid
6 Rails
Payment Rails
ACH · RTP · FedNow · Blockchain
$2.3T
Market Opportunity
US Construction Industry
160+
Patent Claims Filed
USPTO · 6 Filings · March 2026
Every claim protects a part of the
arbitration loop — detect, verify, decide, pay.
// For Lenders

Every dollar, every risk, every condition — verified by machine, not humans.

BuildPaid gives lenders a real-time compliance dashboard, payment-gated draw controls, and an immutable provenance trail on every dollar disbursed. Underwrite with data, not trust.

VIEW LENDER OS →
// BPI · BuildPaid Performance Index · Real-Time Project Health

Your project has
vital signs.

BPI scores every dimension of your project continuously — and feeds that signal directly into PRAL so payment decisions reflect reality, not paperwork.

BPI is the health intelligence layer of BuildPaid OS. It produces a continuous, real-time score across every dimension of your project — and feeds that signal directly into PRAL so payment decisions reflect actual project reality, not stale data.

🏗️
Field Productivity

Crew output, weather delays, and daily progress — scored continuously against plan. The moment performance deviates, the OS knows before your PM does.

Finance Velocity

Payment speed, cash flow health, and PRAL routing efficiency — measured in real time. The single most important signal for lenders underwriting against your deal.

🛡️
Compliance Status

Lien waivers, insurance certificates, payroll certifications, and safety records — tracked automatically. A compliance gap doesn't wait for the next draw meeting to surface.

📅
Schedule Health

Critical path drift, milestone slippage, and cascade exposure — visible before they compound. Schedule health feeds PRAL's payment hold logic automatically.

🧬
Risk Exposure

Subcontractor risk, lien exposure, open claims, and dispute signals — synthesized across 40+ factors into a single live risk score that evolves with every payment event.

📎
Documentation Quality

RFI completeness, G702 accuracy, change order support, and VDR coverage — measured live. Weak documentation is caught before it creates a payment hold or a disputed claim.

BPI → PRAL SIGNAL FLOW

BPI doesn't just report — it acts. Every dimension score update is emitted as a live signal to PRAL. If finance velocity drops, PRAL adjusts payment routing. If compliance falls below threshold, the draw holds automatically. If risk spikes, the escrow gate tightens. The OS responds to reality in real time.

BPI Score Update PRAL Reads Signal Decision Adjusts Payment Reflects Reality
⬡ Patent Filed
// The Complete Construction Operating System

You never leave BuildPaid.
From bid to closeout.

BuildPaid runs the entire construction lifecycle — from bid to closeout, with payments verified at every step. PRAL activates at every phase. No handoffs. No gaps. One OS.

Six phases. Every payment gate automated. Every action logged.

Bid  ·  Award  ·  Contract  ·  Production  ·  Payment  ·  Closeout
PHASE 01
🏢
Company Profile
Sub identity & compliance. Legal name, insurance, licenses, banking, W-9. The master record that never needs re-uploading.
PRAL: Initialize payment eligibility
PHASE 02
🎯
Project Award
Scope, SOV, contract value, retainage %, bid breakdown, alternates. Drives billing, progress tracking, and all PRAL logic.
PRAL: Register contract structure
PHASE 03
📄
Contract Docs
AIA forms & legal backbone. Subcontract, payment terms, lien waiver templates, change order procedures, retention rules.
PRAL: Load compliance rules
PHASE 04
🔨
Production
Field data & progress proof. Daily logs, photos, GPS, quantities, RFIs, weather impacts. The evidence layer that triggers payment.
PRAL: Read progress data
PHASE 05
💰
Billing & Payment
G702, waivers, PRAL execution. Pay apps generated, compliance auto-cleared, rail selected, payment dispatched in 10 days.
PRAL: Execute payment
PHASE 06
Closeout
As-builts, warranties, retention release. Full blockchain audit trail. Lender-grade record of every event from day one.
PRAL: Release retainage
// PRAL: The Arbitration Brain · Patent Filed
THE ENGINE THAT
WRITES THE CHECK.

PRAL is the arbitration brain that reads every signal across the job and decides every payment, automatically, in 10 days.

"I built PRAL because I watched good crews stall for one reason: money moved slower than the work."

ACT II — WHAT PRAL ACTUALLY IS

PRAL is the arbitration brain of BuildPaid OS. It reads every signal across the job — compliance, weather, progress, risk, cash flow — and applies multi-stage arbitration logic. One mental model:

DETECT
VERIFY
DECIDE
PAY
✓ Arbitration logic — patent filed
✓ Multi-rail orchestration — patent filed
✓ BPI→PRAL signal flow — patent filed
✓ Deterministic arbitration engine — patent filed
✓ Cascade→PRAL→Rail selection — patent filed

No emails. No approvals. No waiting. PRAL doesn’t route payments — it arbitrates them. This isn’t a feature. It’s the infrastructure layer that makes the OS patent-worthy.

THE REASON THIS EXISTS

45 days isn’t a delay — it’s a system failure. Every payout stalls for the same reasons — and PRAL eliminates all of them:

✗  Missing waivers
✗  Unverified work
✗  Weather uncertainty
✗  Budget conflicts
✗  Manual approvals
✗  Email chains
PRAL EXECUTION PIPELINE — EVERY PAYMENT, EVERY TIME
tap to pause · tap any step to learn more
SIGNAL
BPI · Weather · Field
VERIFICATION
CV · Lien · Compliance
ARBITRATION
PRAL Decision
RAIL SELECT
RTP · FedNow · ACH
PAYMENT STATE
FUNDABLE → SETTLED
PROVENANCE
Immutable · Lender-ready
ACT III — WHAT PRAL DOES IN THE REAL WORLD
INDUSTRY — 45 DAYS ✗
BUILDPAID — 10 DAYS ✓
Day 0 — Work done
Day 0 — Work done → CV verifies
Day 5 — Pay app submitted (manual)
Day 1 — Compliance auto-clears
Day 14 — Manual review begins
Day 2 — PRAL arbitration triggers
Day 30 — Approval (maybe)
Day 5 — Rail opens: payment authorized
Day 45 — Payment released
Day 10 — Sub paid. Record immutable.

This is why BuildPaid cuts 45 days → 10 days. Not because it’s software — because it’s infrastructure.

INVOICE PAYMENT LIFECYCLE
DRAFTInvoice initiated
SUBMITTEDPay application received · verification begins
VERIFIEDWork verification · photo documentation
COMPLIANTCompliance stack cleared
FUNDABLEAll verification passed → rail opens
ADVANCEDPayment in transit
SETTLEDPayment complete. Record immutable.
PRAL · SCHEDULE INTELLIGENCE
The schedule decides
what gets paid.

Every task milestone is a PRAL gate. When work clears — weather verified, compliance confirmed, BPI scored — the draw moves. No email. No approval queue. No waiting on a GC to check their inbox.

4D SCHEDULE · PRAL-LINKED PAYMENT GATES
Funded Pending PRAL Scheduled
Foundation
COMPLETE · $643K
PAID
Steel Erection
ACTIVE · $420K
FUNDED
Concrete Pour
🌧️ WEATHER HOLD · $165K
BLOCKED
MEP Rough-in
PENDING PRAL · $145K
ARBITRATING
Interiors
SCHEDULED · $720K
QUEUED
PRAL ARBITRATION ENGINE
Milestone cleared · Compliance verified · Rail open · $1.06M authorized in 10 days
Patent Filed · USPTO 2026
📅
Milestone clears → draw moves
PRAL reads every task state. The moment conditions are met, payment is authorized. Zero manual handoffs.
🌧️
Weather holds draws automatically
Live weather data cross-referenced against every pour and crane task. PRAL blocks the draw until conditions clear.
💰
$4.1M pipeline. One screen.
Every draw gate across every phase visible in real time. Procore shows you what happened. BuildPaid decides what gets paid.
// How BuildPaid OS Decides

THE OS READS.
PRAL DECIDES.

Every event on the job updates the OS's intelligence layer in real time. PRAL reads the full project signal across compliance, schedule, finance, field conditions, and risk — and dispatches the appropriate action automatically. Before any human makes a decision.

EVENT ORIGIN
Invoice Submitted
Sanchez Electric · $284,000 · Zone C slab
01
KERNEL ACTION
OS receives invoice event → payment logic initiates. Full provenance recorded automatically — party, location, reason.
ORCHESTRATION
Full Verification Stack Runs
Work verification · Lien waiver · COI · Budget · Compliance
02
KERNEL ACTION
Compliance stack runs automatically. Compliance gates clear automatically. All checks pass → invoice approved.
PRAL DECISION
Rail Selected: RTP
ACH rejected (speed) · FedNow available · RTP optimal
03
KERNEL ACTION
PRAL arbitrates across all available payment rails in real time. Fastest, lowest-cost path selected. State advances to payment authorized.
OS INTERFACE
Alexis Surfaces the Event
"$284K to Sanchez in motion · RTP · Day 5 of 10"
04
KERNEL ACTION
Alexis reads live kernel state — not a script. Ask her anything. She knows the rail, the timeline, the dependencies, the risk.
TERMINAL STATE
Payment Settled
Day 10 · Distributed Ledger record immutable
05
KERNEL ACTION
State machine closes at SETTLED. Blockchain record written. All downstream workflows update automatically. No email sent. No call made.
Provenance Engine
Every Action. Recorded.
Every action in the OS is tagged with full provenance — not just a log, but a structured record that feeds the intelligence layer, PRAL, and every downstream module.
🔀
Orchestration Engine
Parallel. Deterministic. Automatic.
Guards run in parallel, not sequence. The kernel resolves state without a queue or a human. 59 subsystems execute from a single event trigger.
🎙️
Alexis · OS Interface
She Reads the Kernel Live.
Alexis isn't scripted. When you ask her about a payment, she reads current state from the kernel — rail, guards, dependencies, risk — and speaks it back in plain language.
⚡ Jobsite Conditions Console New York, NY · Grand Concourse Tower
PRAL ACTIVE
LIVE
☁️
40°F
Overcast
Humidity 73% · Wind 9 mph
Pours OK Today
Today, Mar 1
🏗 Concrete delivery · Zone C
OK
40° / 29°36% 💧
Tue, Mar 3
🏗 CONCRETE POUR — Zone C slab
CONFLICT
35° / 28°85% 💧
Wed, Mar 4
🏗 Crane pick · steel delivery
AT RISK
41° / 35°85% 💧
Thu, Mar 5
Exterior framing
CLEAR
60° / 44°18% 💧
Conflict Detail — Tue Mar 3
CONCRETE POUR — Zone C slab
Rain 85% — pour at critical risk · Freeze guard active
🚨
Concrete Curing Risk HIGH
Wind Lift Hazard MOD
Exterior Viability LOW
Rain Delay Prob. 85%
// Weather Intelligence · Patent Filed

NOT JUST
A FORECAST.

Weather delays no longer destroy your schedule or your cash flow.

BuildPaid cross-references live forecast data against your actual scheduled work. The moment conditions threaten a task, it flags it, tells you why, and gives you the recovery path — before your crew shows up.

01
Data Layer
Live weather via Open-Meteo API
7-day forecast loaded on login, refreshed every 10 minutes. Temperature, precipitation, wind speed, and WMO codes — held in the OS kernel for instant cross-reference.
02
Intelligence Engine
Cross-referenced against your schedule
Every task has a weather sensitivity profile. Concrete pours check for freeze risk (≤32°F) and rain (≥60%). Crane picks check wind. Roofing checks both.
03
Auto-Detection
⚡ CONFLICT badge fires automatically
Any day with a weather-task conflict gets a pulsing red badge on the forecast row. Tap it — the detail panel shows exactly which task is at risk, why, and severity.
04
AI Recovery · Patent Filed
Recovery plan in one tap
Conflict days trigger "Ask BuildPaid: How do I recover this day?" The AI has full context — your tasks, crew, schedule buffer, cascade dependencies — and returns a real recovery plan. Not generic advice. Your project.
PRAL KERNEL WEATHER CONFLICT RAIL DECISION PAYMENT
Bid Intelligence Engine · Pre-Construction AI
Grand Concourse Tower — Electrical
85
Win Probability85%
Recommended Price$284,000
Risk ScoreLow (2.1)
Competitor LikelihoodSanchez · Rivera
Scope Alignment94%
Proposal QualityStrong
// Bid Win Engine · Patent Filed

BID SMARTER.
WIN MORE.

Know your win probability before you price the job.

BuildPaid's Bid Win Engine uses a five-model ensemble to calculate win probability, recommend optimal pricing, and surface competitor patterns — before you submit a single number.

Winning the job feeds directly into PRAL and Cascade — aligning your bid price with downstream payment logic, schedule dependencies, and sub payment timing from day one.

🧠
AI Win Prediction
Trained on win/loss history, GC behavioral patterns, and project type signals.
🎲
Probability Modeling
10,000 pricing scenarios stress-tested against margin, risk, and win probability.
🔍
Competitor Intelligence
Identifies likely bidders and historical pricing patterns from past awards.
📝
NLP Proposal Analyzer
Scores your proposal quality, flags scope misalignment, and suggests improvements.
// Layer 1 · Autonomous Agents · PRAL Reflexes

PRAL decides.
Agents execute.

When PRAL arbitrates a decision, it doesn't stop at the payment rail. It fires the downstream reflex — the autonomous agent that generates the document, calculates the damages, notifies the party, and logs the provenance event. The OS handles every step — from arbitration to documentation.

PRAL DECISION → AGENT EXECUTES → PROVENANCE LOGGED → AUDIT TRAIL
📋
Autonomous RFI Agent

Detects specification conflicts and missing information. Assembles context from drawings, specs, and daily reports. Drafts the RFI, calculates delay cost impact, routes to the responsible party, and escalates if no response arrives.

Delay cost automatically calculated · documented · claim-ready
⚖️
Autonomous Claims Agent

Detects delay events, change order denials, and payment disputes from the kernel stream. Aggregates weather logs, RFIs, daily reports, and provenance events. Assembles the complete claim narrative with damages and routes for submission.

Evidence sourced from tamper-proof provenance records
📦
Stored Materials AI Billing

Materials delivered to site but not yet installed are automatically identified, valued, and added to the pay application. No manual entry. No missed billings. Every dollar on the job site gets captured before the G702 generates.

AIA Schedule of Values · auto-populated
● Live Now
📉
Margin Erosion Detection

Identifies margin erosion as it happens — not at closeout. Detects fade patterns before they compound. Alerts the right role before the job goes underwater.

Live margin intelligence · automatic alerts
👷
Field Productivity Intelligence

Detects field productivity issues before they become schedule slips. Links performance signals to weather, change orders, and RFIs for clean documentation.

Field intelligence · real-time · automatic
📑
Delay Claim Documentation

Every delay — weather, RFI response, change order, productivity hit — is automatically documented with tamper-proof timestamps, responsible party attribution, and calculated dollar impact. When the claim moment arrives, the evidence is already assembled.

Provenance records → claim-ready documentation

AUTONOMOUS AGENTS · FIRED BY PRAL · EVERY DECISION MACHINE-MADE

// For Subcontractors

You do
the work.
Get paid
for it.

No upfront cost. No new software to learn. BuildPaid takes a small percentage of the payment acceleration we deliver — you only pay when you get paid faster.

No app to download. No training. No onboarding call. If you have an invoice, you're ready.

45-day wait → 10 days
Stop floating payroll. Stop waiting on draws. BuildPaid moves the money.
📄
Lien waivers and G702s auto-generated
Every compliance document ready when your invoice is ready. No chasing paperwork.
👁️
Know exactly where your money is
Every invoice is tracked in real time — from submission through final payment. No more guessing.
Payment Success Model — No Upfront Cost
Invoice submitted → FUNDABLE
PRAL selects best rail → RTP SELECTED
You get paid in 10 days → SETTLED ✓
You only pay when you get paid faster.
Small % of accelerated payment · No monthly fee for subs
// Layer 2 · Intelligence Engines

Underwriting-grade
decision intelligence.

This isn't a workflow tool. BuildPaid is a decision system. Every engine below runs continuously, learns from every project, and feeds intelligence back into payments, bids, and risk — automatically.

Risk Intelligence Engine

Multi-factor composite risk.
Updated on every payment event.

Every subcontractor and project carries a living risk score — built from payment history, compliance status, work quality, schedule adherence, change order rate, claim history, and dozens of additional signals. It's not a static score. It recalculates every time a payment moves.

Risk intelligence feeds payment decisions automatically
⬡ Patent Filed
Payment History
Lien Waiver Compliance
Insurance Currency
Work Quality Score
Schedule Adherence
Change Order Rate
Claim History
Subcontractor Tier
Project Complexity
+ More factors →
🛡️
Budget Guardian

Forecasts cost overruns with statistical confidence intervals before they happen. Monitors committed costs, pending change orders, and actual-vs-budget variance in real time. Alerts the right role when a job is trending toward overrun — not after close-out.

Confidence intervals · predictive · not reactive
🔄
Self-Improving Intelligence

BuildPaid is the only construction platform that gets smarter with every job. Payment outcomes, risk scores, and compliance records feed back into the AI models on a defined retraining cycle. Bid predictions improve. Risk scores sharpen. The OS learns your market.

Outcome retraining · bid-vs-actual feedback loop
Continuous Feedback Architecture

AI outputs trigger payment workflows. Payment results retrain AI models. No other construction platform closes this loop. BuildPaid's intelligence and payments are bidirectionally connected — so the system that processes your money is also the system that learns from it.

AI → payments → AI · continuous refinement
⬡ Patent Filed
🔐
Secure Virtual Data Room

Every construction document — contracts, drawings, certifications, insurance, lien waivers — stored in a secure VDR with AI classification, metadata extraction, and trust indicators showing completeness and recency. Lender-ready on day one. Every access logged with full provenance.

AI classification · trust indicators · lender-ready

This is what Stripe Radar meets Palantir Foundry looks like for construction. This is the BuildPaid standard.

// Who It's For

Built for everyone
on the job.

General Contractors
Why GCs
One place to see every payout, waiver, and approval. No more chasing subs. No more guessing what accounting did. The kernel shows you the same truth the field sees — live.
Tap to see why →
General Contractors
Every dollar. Every sub.
One kernel.
  • PRAL routes every payment across ACH, RTP & FedNow — automatically
  • 📋 Lien waivers auto-generated per sub when payment releases
  • 🔒 Tamper-proof kernel log — every payment decision auditable
  • 🤖 Davis-Bacon & WH-347 compliance runs on autopilot
  • 📊 BPI score flags project risk before it costs you money
Tap to flip back ↩
Subcontractors
Why Subs
Clear status, predictable timing, and fewer "where's my money?" calls. BuildPaid makes payout logic visible. You see exactly where your payment is and when it lands.
Tap to see why →
Subcontractors
45 days → 10 days.
No upfront cost.
  • 💰 PRAL advances fundable invoices — get paid in 10 days, not 45
  • 📱 Live status: submitted → verified → authorized → paid
  • 🚫 Zero upfront cost — BuildPaid earns on acceleration, not your budget
  • 📄 Lien waiver auto-generated the moment payment clears
  • 🔔 Push notification the instant your money moves
Tap to flip back ↩
Owners & Lenders
Why Owners
Deterministic cashflow with lender-grade audit trails. Real-time visibility into every payout event. Same truth the field and back office see.
Tap to see why →
Owners & Lenders
Lender-grade clarity.
Zero surprises.
  • 🏦 Every dollar traceable from draw request to sub payout
  • 📈 AI cashflow prediction — see 30 days out, always
  • ⚖️ Contract Intelligence eliminates dispute risk before it starts
  • 🔐 Built-in VDR — all project docs, role-controlled access
  • 🧬 PRAL scores every sub before a dollar moves
Tap to flip back ↩
// How It Works In Practice

BUILT FOR EVERY
SIDE OF THE TABLE.

Lenders need capital control. Contractors need fast payment. BuildPaid OS is the first system that serves both — from a single kernel.

Step 01 · Underwriting
Job-Level Capital Assessment
PRAL ingests project scope, contract value, milestone schedule, and subcontractor roster. Risk score generated before first dollar moves.
PRAL ENGINE · RISK SCORE · COMPLIANCE CHECK
Step 02 · Disbursement
PRAL-Gated Draw Control
Funds release only when milestone conditions clear: compliance verified, docs complete, G702/703 certified. PRAL-verified release — conditions clear, funds move.
G702/703 · LIEN WAIVERS · AUTO-DISBURSEMENT
Step 03 · Auditability
Immutable Audit Trail
Every capital event recorded on distributed ledger with full provenance. Lender-grade audit access for banks, regulators, and secondary markets.
BLOCKCHAIN · EVENT PROVENANCE · AUDIT ACCESS
Lender OS · Infrastructure Tier
Starting at $2,500/month — volume-based capital fees — enterprise contracts available
Speak to a Salesperson →
// Layer 3 · Financial Infrastructure

The OS layer.
Patent-defensible. Untouchable.

This is the layer that lenders, banks, and institutional partners care about. The inventions below are not features — they are the financial infrastructure that makes BuildPaid structurally impossible to replicate without the patents.

Secure Invoice Instruments

Every invoice becomes a verified, transferable digital instrument on a distributed ledger at submission. Creates an immutable, financeable record. Factoring cost: 2–3% vs. 5–8% traditional. Lenders can underwrite against verified on-chain state — not PDFs.

Digital instrument · on-chain state · 2–3% factoring
Smart Payment Escrow

Funds are locked in a distributed-ledger smart contract at project start. Release gates are defined programmatically: computer vision verified, compliance cleared, lien waivers collected. When all conditions are met the system releases — no phone call, no approval email, no wait.

Milestone-gated · auto-release · tamper-proof
PRAL Multi-Rail Arbitration

RTP, FedNow, ACH, Blockchain — evaluated in parallel for every payment. Multi-factor scoring selects the optimal rail automatically. The fastest, lowest-cost path wins every time.

4 rails · intelligent arbitration · duplicate protection
Kernel-Level Provenance

Every event — state transition, verification step, payment execution, cascade step, AI inference — carries a structured provenance record: who triggered it, what caused it, and which system emitted it. Immutable. Sequence-numbered. Lender-auditable.

Full audit trail · tamper-proof · lender-ready
Cascade Orchestration

Thousands of dependency relationships across schedule, budget, compliance, payments, documentation, and safety. Change one item — the cascade recalculates every downstream impact in a single computational cycle. Weather event triggers cascade triggers payment acceleration. Fully automated.

Intelligent cascade · all dependencies · fully automated
Voice-Activated OS Interface

Natural language connected directly to the live kernel. Alexis doesn't query a database — she reads the OS state and tells you what's happening with your actual invoices, your actual payment queue, your actual risk. Role-specific answers. Legal guardrails built in. Neural TTS synthesis.

Live kernel context · hybrid routing · neural TTS

"Procore charges per user and manages documents and tasks. We move money — all the way to the sub's account in 10 days. Different layer. Different stakes. Different category."

Patent Filed · BuildPaid OS

// PRAL output → lender intelligence

Because PRAL arbitrates every payment, lenders finally get verified, machine-readable draw data — not PDFs, not spreadsheets, not email chains. Every dollar, every condition, every state transition: machine-generated and audit-ready.

// Lender Intelligence Layer

Lenders have never
seen a deal like this.

Every construction loan in history has been underwritten against PDFs, spreadsheets, and a site visit. BuildPaid gives lenders something they have never had: a live, verified, machine-readable window into every dollar, every milestone, and every risk on the job — in real time.

🏦
Verified Draw Requests
Every draw is backed by computer vision verification, compliance records, and kernel-level provenance — not a contractor's self-report.
📊
Live Risk Scoring
40+ factor composite risk score updates on every payment event. Lenders see risk evolve across the job lifecycle — not just at the loan application.
⛓️
Escrow Visibility
Funds locked in smart escrow until conditions are machine-verified. Lenders see escrow state, release conditions, and trigger history — at all times.
🔎
Immutable Audit Trail
Every action in the OS is sequence-numbered and tamper-proof. If a dispute surfaces, the evidence is already assembled — by the machine, not a lawyer.
LENDER INTELLIGENCE DASHBOARD · LIVE
DRAW VERIFIED
$284K
CV · Compliance · Lien ✓
PROJECT HEALTH
87/100
BPI · 6 dimensions live
RISK SIGNAL — LAST 24H
Compliance✓ Clear
Lien Exposure⚠ 1 pending
Escrow State● Locked · $1.2M
Payment RailRTP · Day 5 of 10
KERNEL PROVENANCE · IMMUTABLE · LENDER-AUDITABLE
⬡ Patent Filed
// Why BuildPaid. Why Now.

The Conditions
Just Aligned.

🏦
FedNow Is Live

The Federal Reserve's instant payment rail launched in 2023. For the first time, real-time construction draws are technically possible. PRAL routes to it on day one.

🤖
AI Is Mature Enough

LLMs can now reason about job state, documents, and payment risk in real time. Alexis isn't a chatbot — she's a kernel-connected voice interface that speaks the truth of your project.

💀
Legacy Platforms Are Exposed

Procore charges per user with no payment engine, no Contract Intelligence, no Kernel, no Cascade, no Weather AI. The category is open — and BuildPaid already occupies it.

📈
$2.3T Market, 0% Digitized Payments

US construction moves $2.3 trillion annually. Less than 3% of sub payments are made through any software platform. The entire market is payment infrastructure waiting to happen.

// OS Kernel · Event Intelligence · Provenance Engine

Every action.
Permanent. Verifiable. Yours.

The BuildPaid OS Kernel is the memory layer beneath everything. Every state change, every payment decision, every agent action, every compliance check — recorded as a structured, sequence-numbered, tamper-proof event. Not a log. Not a backup. A legal-grade provenance chain.

WHAT THE KERNEL RECORDS — AUTOMATICALLY
💳
Every payment state transition
Who authorized it · What triggered it · Which rail · Timestamp
📸
Every verification outcome
CV result · GPS coordinates · Compliance gate pass/fail
🤖
Every agent activation
What triggered it · What it produced · What it sent
Every cascade step
Origin event · Dependencies updated · Downstream effects
🌧️
Every weather signal
Forecast · Conflict detected · Schedule impact · PRAL notified
🎙️
Every Alexis query
Role that asked · Kernel state at time of query · Response delivered
WHO IT PROTECTS
General Contractors

Every sub payment is documented automatically. Retainage release disputes, lien threats, and audit requests are answered from the kernel — not from email threads and spreadsheets.

Subcontractors

Every hour worked, every material delivered, every compliance document submitted — on record. When a GC disputes a pay app, the sub has machine-verified evidence the GC can't argue with.

Lenders & Owners

Role-based access to the full provenance chain. Lenders see every verified draw, every compliance event, and every risk signal — without calling the GC to ask what's happening on the job.

⬡ Patent Filed
// Pricing

Built for the jobs you run.
Priced for the capital you move.

Software is the wrapper. PRAL spread + capital fees is the model.

// CONTRACTOR OS
For GCs · Subs · Regional Operators
Starter
$199/month

Core OS for small contractors and early platforms. A credible entry point — no feature gating.

  • Job creation + job-level tracking
  • Standard payouts (ACH)
  • Document uploads + basic workflows
  • Contractor portal
  • Basic reporting
  • Email support
Request Access
Pro
$699/month

The real platform tier for growing contractor networks and regional operators.

  • Everything in Starter
  • Multi-team support
  • Faster payouts (RTP / FedNow)
  • Branded portals + API access
  • Cascade Intelligence Engine
  • Bid Win Intelligence
  • Advanced reporting + priority support
Request Access

Pricing tied to payment orchestration — not headcount

Enterprise
Custom

For national contractors and large platforms that need deep integration at scale.

  • Everything in Pro
  • SSO + custom integrations
  • ERP integrations (Sage, Viewpoint)
  • Multi-entity management
  • Custom workflows + data exports
  • Dedicated support + SLAs
Speak to a Salesperson
// INFRASTRUCTURE TIER
For Banks · Private Credit · Capital Platforms
LENDER OS · INFRASTRUCTURE
$2,500/mo
PLATFORM FEE + PRAL SPREAD ON VOLUME

Lenders underwrite against verified machine state, not PDFs. Every dollar, every risk, every condition — verified by machine, not humans.

Software is the wrapper. PRAL spread + capital fees is the real revenue model.

Deploy Lender OS →
For banks & private credit deploying capital at scale
WHAT YOU GET
Full BuildPaid OS kernel
Complete infrastructure access, all 59 subsystems
PRAL-gated disbursement control
Arbitration-verified draws — PRAL-gated at every step
Real-time underwriting dashboard
Every draw, every risk signal, every BPI score — live
Immutable audit trail
Tamper-proof provenance on every dollar disbursed
Secondary market auditability
Every payout structured for institutional review
Volume-based capital fees
PRAL spread on funded volume — aligns with capital deployment

The fundamental difference

Procore tracks what people say they did.

BuildPaid verifies what actually happened — and authorizes the money.

// Different layer. Different stakes. Different category.

NOT A BETTER APP.
A DIFFERENT CATEGORY.

BuildPaid is the contract-driven financial OS for construction. Procore and Buildertrend are project-management apps.

They tell you what happened. We prevent it — and move the money in 10 days. No competitor has built this.

Procore tracks what people say they did.
BuildPaid verifies what actually happened —
and authorizes the money.

WHAT WE DO

BuildPaid moves money. We read the contract, verify the work, enforce compliance, and orchestrate payouts — all the way to the sub's account in about ten days.

THE OPERATING SYSTEM

Procore doesn't have PRAL, Cascade, Weather Intelligence, Contract Intelligence, or the Bid Win Engine. Those aren't features we bolted on — they're the operating system.

PRICING MODEL

Starter $199/mo  ·  Pro $699/mo  ·  Enterprise custom
Pricing tied to payment orchestration — not headcount.

Different layer.  Different stakes.  Different category.
Powered by the BuildPaid OS.

BUILDPAID OS V4.2.41 PROCORE BUILDERTREND
System Category Contract-Driven Financial OS Project Management App Project Management App
Payment Arbitration (PRAL) PATENT FILED ✓ Deterministic · Multi-rail ✗ Not possible ✗ Not possible
Payment Acceleration 10-day avg · 35–80 days faster Not applicable Not applicable
Payment Rails (PRAL) PATENT ACH · RTP · FedNow · Blockchain Not built Not built
Cascade Intelligence PATENT Contract-driven dependency engine Not built Not built
Weather Intelligence PATENT Live conflict detection · AI recovery Not built Not built
Bid Win Engine PATENT AI ensemble · Win probability scoring Not built Not built
Real-time Pay Applications Live data · 1 click · PDF ready Template only Not built
Event Provenance Full provenance · every action · lender-ready Basic logs Basic logs
Davis-Bacon Payroll Built in · Automated · WH-347 native Add-on cost Not built
Voice OS Interface Alexis · Live kernel · Speaks aloud Not built Not built
Pricing Model $199/mo · $699/mo · Enterprise custom $375+/user/mo $299+/user/mo
Revenue Model Orchestration fee + basis points on volume Per-seat SaaS Per-seat SaaS
Patent Protection 160+ claims · 6 filings None relevant None relevant

BUILDPAID IS THE PAYMENT OS. PROCORE IS A PROJECT MANAGEMENT APP. THESE ARE NOT THE SAME CATEGORY.

BuildPaid has filed multiple provisional patents with 160+ patent claims — covering its contract-driven financial operating system: Contract Intelligence, Cascade Engine, PRAL, Payment Rail Orchestration, Draw Governance, Kernel Provenance, Blockchain Verification, and the nine-layer OS architecture. 6 Applications Filed · 160+ Claims · BuildPaid LLC · Sean Pace, Inventor · March 2026 · USPTO · First mover in contract-driven construction payment infrastructure.
// The Problem

Every job — from small renovations to multi-million-dollar builds — ran into the same broken money workflows. Contractors waiting on draws. Lenders guessing where a job stood. Platforms stitching everything together with spreadsheets, emails, and hope.

// The Shift

After two decades of watching good work stall for reasons that had nothing to do with craftsmanship, it became obvious: the industry didn’t need another app. It needed a payment operating system built around the job itself.

// The OS

I watched good crews stall because money moved slower than the work. That's not a software problem. That's a systems problem.

BuildPaid is the result of 25 years in the field and three years of building. One kernel. 59 subsystems. Patent Filed. PRAL-engineered. Not a tool bolted onto construction — an OS built from the inside of a job site out.

S
Sean — Founder & CEO, BuildPaid
25 years in construction · Bronx, NY · Building since day one
v4.2.41
Patent Filed
// Security & Auditability · For Lenders, GCs & Platforms

Every dollar.
Fully traceable.

🔒
Tamper-Proof Event Log

Every action carries full provenance. The OS records context at the event level — not just the outcome.

🧾
Forensic Completeness

Draw disputes are resolved with full forensic trails. Every payment state transition is logged with timestamp, actor, and reason — lender-ready by design.

🛡️
Fraud Prevention Architecture

PRAL guards require verified compliance before any payout is released. No draw leaves the system until every condition is met.

📊
Real-Time Lender Visibility

Lenders see exactly what the field sees — live job health scores, draw status, risk flags, and compliance state. No more waiting for inspection reports.

AUDIT-READY · SOC2-ALIGNED · LENDER-GRADE PROVENANCE · PATENT-PROTECTED ARCHITECTURE
SOC2 Type II alignment underway — designed for enterprise and lender-grade certification from day one
// FAQ

Common questions.

Is BuildPaid a payment processor?
BuildPaid is an OS that orchestrates payouts across processors and rails. It doesn't replace your bank — it makes your payout logic deterministic, auditable, and 4x faster.
Do subs need to learn a new system?
No. Subs see clear statuses, predictable timing, and simple actions. The complexity lives in the OS kernel — not in their inbox.
How does this work with my lender?
BuildPaid gives lenders real-time, auditable visibility into every payout event. Same truth the field sees. Draw approvals get faster, risk gets lower.
What does the Bid Win Engine actually do?
It uses a multi-model AI ensemble to calculate your win probability, recommend the optimal bid price, and surface competitor patterns before you submit.
Procore tracks what people say they did. BuildPaid verifies what actually happened — and authorizes the money.
// The Inevitability

For 25 years, lenders have funded
construction jobs
in the dark.

BuildPaid turns every job into a
real‑time, fully visible financial object

so capital flows faster,
risk drops, and
nothing stalls
for lack of clarity.

Capital flows faster
Risk drops
Nothing stalls
// Ready to move?

THE PAYMENTS
OS IS LIVE.

See the full kernel running in real time. PRAL routing live payments. Cascade Intelligence active. Voice AI online. This isn't a demo — it's the OS.

KERNEL
LIVE
A
Alexis · OS INTERFACE
OS Voice Interface · Kernel Connected
Tap 🎙️ then speak
Sanchez Electric just cleared $284K — RTP rail, 10 days, PRAL routed it automatically. That's live state, not a demo. I'm Alexis. I'm the OS speaking. Ask me anything about how BuildPaid moves money.
Sub not paid? Weather conflict Different category Payment speed Cascade? For lenders Best pizza?
🔊 Alexis · Tap to Activate