A schedule slip, a change order, an inspection fail, a material substitution, a zone that's been idle for 72 hours — BuildPaid hears them all, fires governance cascades through the kernel, and recomputes posture, capital routing, and Capital Optimization automatically. No one clicks anything. The lender sees the change in the audit chain before the foreman finishes texting.
PULSE.CASCADED kernel event with a SHA-256 hash chained to the source event. Lenders verify integrity independently via /api/audit-verify — AUTHENTIC or TAMPERED, deterministic. See the Lender Data Room →
From November 2026, SWIFT (CBPR+) and SEPA stop accepting unstructured payee data. Free-text addresses, missing tax IDs, unverified parties — rejected or delayed at the rail. In construction finance, that’s most of your payees. BuildPaid governs the gap before it reaches the bank: it is ISO 20022-native identity governance.
<Cdtr>
<Nm>Northstar Mechanical LLC</Nm>
<PstlAdr>
<StrtNm>Hollywood Ave</StrtNm><BldgNb>111</BldgNb>
<PstCd>10465</PstCd><TwnNm>Bronx</TwnNm>
<CtrySubDvsn>NY</CtrySubDvsn><Ctry>US</Ctry>
</PstlAdr>
<Id><OrgId><Othr><Id>XX-XXXXXXX</Id>
<SchmeNm><Cd>TXID</Cd></SchmeNm></Othr></OrgId></Id>
</Cdtr>
Real kernel events from the running OS. Each is hashed and sealed into an append-only audit chain at the moment it fires.
Eleven governance rails, 200+ engines, and a meta-governance layer that evaluates, tunes, and corrects the rails themselves. The OS detects drift, adjusts thresholds, and lowers its own autonomy when conditions degrade. Self-tuning. Self-correcting. Self-governing.
The industry is built on paper: emailed PDFs, manual approval chains, and ACH rails that move money like it's 1993. Subcontractors absorb the float. Cash flow crises cause project abandonment. The problem isn't discipline — it's infrastructure.
SaaS tracks documents. BuildPaid governs money.
Every infrastructure company proves its value the same way: showing the gap between the world before them and after. Here is the BuildPaid delta.
"BuildPaid is the first autonomous capital governance OS — it verifies, predicts, approves, and tunes itself. 90 patents. 11 rails. GAL 4 autonomy. Meta-governance. Construction is Map 1."
Security posture, SOC 2 evidence, lender data room, contract drafts. Hand them to your legal, security, and compliance teams before your second meeting. No NDA required for any of these — they're built to be read.
MSA + DPA are first-draft skeletons marked for legal review — built to be tailored by your counsel.
SOC 2 evidence package maps controls to TSC CC1–CC9, A1, C1 with honest "partial" labels — no overclaiming.
Data room covers architecture, patent estate, audit-chain verification, and pilot framework. Suitable for first-meeting handoff.
buildpaid.ai/legal/{terms-of-service,privacy-policy,security-posture,soc2-evidence,lender-data-room,msa-draft,dpa-draft}.pdf
Each primitive solves a failure mode the industry has lived with for decades.
"Built in the Bronx with real subs, GCs, and lenders — designed for jobs that can't afford theory."
BuildPaid doesn't just process — it shows you what it's governing, in real time. The AGS makes governance visible to every stakeholder.
Every payment decision, every compliance check, every arbitration, every AI signal, every provenance hash — passes through the kernel. It's the single source of truth for the entire OS. Not a database. Not a workflow engine. A deterministic governance kernel.
Not an approval workflow. A deterministic arbitration engine that evaluates every payment against a signal bundle — performance scores, compliance gates including notarization, weather, field verification — and produces a formal decision with reason codes. Payment rails move money. Compliance rails gate it first.
Regulated banks are moving deposits on-chain. A tokenized deposit is a bank-held dollar represented as a programmable, ledger-anchored object — governed by deterministic rules, not batch processes. The settlement layer is being rebuilt. The open question for construction lending isn't whether capital moves on-chain. It's what decides, provably, that a given dollar is cleared to move. That is a governance problem. It is the problem BuildPaid was built to solve.
BuildPaid represents construction capital as governed objects on an event-sourced kernel ledger, every state change provenance-hashed and auditable. That is structurally the same model a tokenized-deposit rail uses for settlement — built independently, for the same reasons.
Before releasing a tokenized deposit, a bank needs a governed, defensible signal that the underlying draw is eligible. BuildPaid already produces that as a deterministic verdict — the bank's settlement contract calls BuildPaid as an oracle, receives the verdict, and acts on it.
Each verdict carries its reason, contradiction count, CPRAL labor-compliance result, subcontractor eligibility, risk posture, kernel version, and a provenance hash. Settlement happens on the bank's rail. BuildPaid logs the result as an immutable kernel event, binding the kernel hash to the on-chain transaction hash.
CPRAL is not a compliance checkbox. It's a labor governance engine that enforces Davis-Bacon wage compliance, worker classification, apprentice ratios, and fringe benefits — automatically, deterministically, before any payment moves. The guarantee construction lenders have never had.
Real-time weather cross-referenced against your project schedule and work type. When rain probability crosses the threshold for a concrete pour, PRAL issues hold RH-004 before any money moves. No human intervention. No checkbox.
Every proposal and change order ingested into the kernel is cross-referenced against prior COs, market pricing, and scope patterns — then scored for margin risk before you sign. Stop discovering margin problems after the job ends.
{
"event": "CO.MARGIN.VERIFIED",
"co_id": "CO-DEF1BA36",
"margin_pct": 2.02,
"verdict": "HELD",
"policy_hold_below_pct": 5,
"provenance": "83e94a75da7d…"
}
Every change order submitted to BuildPaid is classified and margin-scored the moment it arrives — automatically, against a governed margin policy. No spreadsheet. No after-the-fact surprises.
200+ kernel-level intelligence engines. 11 governance rails. Governed BIM Payment Surface — every building element is a payment node. Trade-level compliance gating. BIM cross-document intelligence. Configurable governance policy. Governance Dossier. The OS that governs while you sleep.
BuildPaid gives lenders the first governed, predictive, kernel-verified lender console in construction finance. Every metric is derived from kernel events. Every decision is cryptographically anchored. Every block has a reason code.
| Lender Task | Before | BuildPaid |
|---|---|---|
| Draw review | Manual, email-based, 45-90 days | Fundability engine — kernel-verified, real-time |
| Compliance | PDF emails, trust-based | 11 governance rails — hard-gated per invoice |
| Certified payroll | Manual WH-347 review | CPRAL — auto-verified per worker, per rate |
| Risk assessment | Subjective, experience-based | BPI 6-dimension score + Exposure at Risk |
| Audit trail | None / spreadsheets | Cryptographic hash chain — court-admissible, forensic export |
| Fraud detection | Post-facto manual audit | PRAL arbitration + AI governance + provenance in real-time |
Stripe made payments programmable. AWS made infrastructure programmable. BuildPaid makes governance programmable. Six architectural levers that turn the OS into the industry standard.
A COI PDF is a snapshot of the past. A link to your insurer's verification portal is a live signal. BuildPaid monitors the source of truth — not the photocopy. The moment a policy lapses, the kernel knows before anyone else.
Every compliance check, every Alexis interaction, every document classification, every behavioral assessment is a governance operation. Your subscription includes a monthly allocation. Scale as you grow.
Every external communication BuildPaid emits is a governed state transition — cryptographically anchored, role-aware, and lender-verifiable. You're not reading alerts. You're reading the provenance chain.
One governed entry point. Not five upload screens. Not separate flows for each document type. One gravitational surface where every contract, every credential, every document enters the kernel through the same pipeline.