Patent Pending · BLDCHN-001-P · Powered by XRP Ledger

The Protocol That
Moves Construction
Capital.

BuildChain automates every draw request, site inspection, and fund release through blockchain-verified smart escrow — reducing a 14-day process to under 48 hours, at institutional scale, with zero manual wires.

Join Lender Pilot →See how it works
89%
Faster Draw Cycles
14 days → under 48 hrs
$4.6M+
Annual Value Unlocked
per $200M portfolio
100%
Lien Waiver Compliance
on-chain · immutable
3–5s
XRPL Settlement
vs. 3–5 days by wire
Trusted Infrastructure
🛡Patent BLDCHN-001-P
⬡XRP Ledger Native
🏛Delaware C-Corp
⚖️Non-MSB Compliant
™Class 042 Trademark
🔒Institutional Grade
The Market

Construction lending is a
$4.6 trillion market
running on fax machines.

Every draw request still involves phone calls, email chains, physical inspections, manual wire transfers, and chasing lien waivers. The result: 14-day delays, fraud exposure, and billions in misallocated capital every year.

✕  Legacy Process
✕
14-day draw cycles
Paper-based G702 submissions, manual review, phone approvals, and ACH transfers that take days to settle.
✕
Rampant fraud exposure
Lenders have no real-time visibility into job site progress. Overbilling and draw fraud cost the industry billions annually.
✕
Lien waiver chaos
Collecting, tracking, and verifying lien waivers from every sub means weeks of administrative work per loan.
✕
No audit trail
Disputes end up in court because there's no immutable record of who approved what, when, and why.
✓  BuildChain Protocol
✓
Under 48-hour settlement
Digital G702/G703 submission, real-time inspector portal, and automatic EscrowFinish on condition confirmation.
✓
Tamper-proof site verification
Licensed inspectors mint XLS-20 NFTs on every site visit — permanent on-chain proof of completion status, forever.
✓
Automated lien waiver NFTs
Every waiver is minted as a non-transferable on-ledger NFT. No chasing, no disputes, instant verification.
✓
Immutable compliance receipt
Every auto-release generates a permanent receipt: Inspector NFT ID, Lien Waiver NFT ID, tx hash, and timestamp.
🏦FOR LENDERS

Your portfolio.
Total visibility.
Zero exposure.

Deploy capital with confidence. BuildChain gives you real-time portfolio intelligence, automated compliance, and on-chain proof of every draw — eliminating the fraud risk and operational overhead that comes with legacy construction lending.

◎
Portfolio Dashboard
Live LTV tracking, draw status, budget vs. disbursed, and risk flags across your entire construction loan book.
⬡
Automated Escrow Disbursement
Funds release automatically when both NFT conditions are met. No manual wires. No approval bottlenecks.
📋
On-Chain Compliance Receipts
Every draw generates an immutable audit trail with Inspector NFT ID, Lien Waiver NFT ID, and XRPL transaction hash.
🔒
Fraud Elimination
Inspector credential NFTs are non-transferable and minted only by licensed, token-gated professionals.
🏗
90-Day Lender Pilot — Now Open
3 lenders · 5 active loans each · No cost · Full ROI analysis at close
buildchain.finance/lender/portfolio
Portfolio Overview
$12.4M Active
↑ 3 Active Draws
$8.2M
In Escrow
$4.1M
Available
$340K
Released Today
⬡ AUTO-RELEASED · Draw #DR-00213s ago
✓ Inspector NFT #0x7f3a…
✓ Lien Waiver NFT #0x9c1b…
EscrowFinish · $340,000 released · Patent §V verified
Riverside Commons Phase 3
71%
Approved
Scottsdale Medical Plaza
45%
Inspecting
Harbor View Condominiums
28%
Active
buildingblock.app/draws/submit
New Draw Request
Riverside Commons Phase 3 · Draw #8
G703 SCHEDULE OF VALUES
Structural Steel
$180,000
100%
$0
Concrete Foundation
$240,000
85%
$36,000
Framing — Level 3
$95,000
60%
$38,000
MEP Rough-in
$120,000
40%
$48,000
This Request:$122,000
✦ Building Block AI
Line 3 (Framing — Level 3) shows 60% complete with 65% of schedule elapsed. Recommend attaching latest framing photos to support the draw request.
Submit Draw →
🏗FOR GENERAL CONTRACTORS

Submit draws.
Get paid faster.
No chasing.

The Building Block platform — powered by BuildChain — gives every GC a single portal for submitting G702/G703 draws, tracking inspection status, and receiving automatic disbursements. No more hunting down lenders for approvals.

📋
Digital G702/G703 Submission
Submit AIA-standard draw requests digitally. AI-powered validation catches errors before you submit, reducing rejection rates to near zero.
🔍
Real-Time Inspection Tracking
See inspector status live. Know the moment your inspection is approved and your draw is queued for release.
⚡
Automatic Draw Disbursement
When the inspector signs off and your lien waiver is confirmed, funds release automatically — no manual wire required.
✦
Building Block AI Assistant
AI analyzes your schedule of values, flags overbilling risk, and recommends supporting documentation for each draw.
The Protocol

Two conditions.
One automatic release.

No manual wires. No approval queues. Funds move the instant the XRP Ledger confirms both conditions — and not a moment before.

01
📋

Draw Submitted

Borrower submits digital G702/G703 via Building Block platform. Lender approves — BuildChain creates an XRPL EscrowCreate, locking funds on-chain.

EscrowCreate · XRPL
02
🔍

Site Inspected

Licensed inspector submits via token-gated portal. On pass, BuildChain mints an XLS-20 Inspector Credential NFT (taxon 3). Tamper-proof. Permanent.

NFT taxon 3 · Condition ①
03
📝

Lien Waiver Confirmed

Lender confirms receipt. BuildChain mints a Lien Waiver NFT (taxon 2). That's Condition ② satisfied — both conditions are now on-ledger.

NFT taxon 2 · Condition ②
04
⚡

Auto-Released

The Verification Orchestrator detects both NFTs and fires EscrowFinish — funds released in 3–5 seconds. Zero manual steps. Immutable receipt generated.

EscrowFinish · Auto · §V
⬡
Patent BLDCHN-001-P — Auto-Release Verification Receipt
Inspector NFT ID · Lien Waiver NFT ID · EscrowFinish tx hash · ISO timestamp · Patent ref BLDCHN-001-P §V — every release generates an immutable JSONB receipt, available to regulators, title companies, and auditors on demand.
3–5 sec
from both conditions → funds released
The Opportunity

Every lender.
Every project. Every draw.

$4.6T
Annual U.S. Construction Activity
The largest single segment of U.S. private investment. BuildChain targets the lending infrastructure that moves all of it.
9M+
Construction Draw Events/Year
Every one of these is a manual, error-prone process today. BuildChain automates each and every one with protocol-grade reliability.
30 bps
Per-Draw Fee — $0 Marginal Cost
0.30% of every disbursement. At institutional volumes, this creates recurring revenue that scales directly with the market.
89%
Draw Cycle Reduction
14 days → under 48 hours
$4.6M+
Annual Value / $200M Portfolio
fraud reduction + admin savings
100%
Lien Waiver Compliance
on-chain, immutable, permanent
$0.0001
Per XRPL Transaction
vs. $25–45 wire transfer fee
Technology

Protocol-level.
Not smart contracts.

BuildChain runs on the XRP Ledger's native escrow and XLS-20 NFT standard — no Solidity, no gas fees, no contract vulnerabilities. Settlement in 3–5 seconds, at $0.0001 per transaction, with institutional-grade finality.

XLS-20 NFT Standard
Taxon 0 (loan titles) · Taxon 2 (lien waivers) · Taxon 3 (inspector credentials). All non-transferable, on-ledger, permanent proof of each condition. Cannot be forged, duplicated, or deleted.
Native XRPL Escrow
EscrowCreate locks loan funds at draw approval. EscrowFinish executes automatically the instant both NFTs are detected on-chain by the Verification Orchestrator (Patent BLDCHN-001-P §V).
RLUSD Stablecoin Ready
Stablecoin draw releases via Ripple USD. One environment variable away — ESCROW_CURRENCY=RLUSD — enabling fully stable, dollar-denominated disbursements at XRPL speed.
🛡
U.S. Provisional Patent BLDCHN-001-P
“Multi-Condition Verification System and Method for Automated Construction Draw Disbursement Using Distributed Ledger Technology”
Filed April 20, 2026 · Non-provisional due April 20, 2027
Claims §I–§VIII cover the dual-condition escrow architecture, NFT taxon assignment, and the Verification Orchestrator execution engine.
XLS-20 Taxon 0
Loan NFT
Minted at origination, burned at payoff
XLS-20 Taxon 1
Draw Event
Records each disbursement permanently
XLS-20 Taxon 2
Lien Waiver
⚡ Condition ② — triggers release
XLS-20 Taxon 3
Inspector Cred
⚡ Condition ① — triggers release
Legacy Wire
3–5 days
$25–45 per transfer
XRPL EscrowFinish
3–5 sec
$0.0001 per transaction
⚖️
Regulatory Analysis Complete
Independent counsel determined BuildChain Protocol, Inc. does not qualify as a Money Services Business (non-MSB) under 31 CFR 1010.100(ff). Designed for institutional lender compliance from day one.
Now accepting early-access partners

The future of
construction lending
is on-chain.

Whether you fund projects or build them — BuildChain eliminates the friction between your world and capital, permanently.

🏦
For Lenders
Join our 90-day pilot. Deploy capital across 5 active construction loans — no cost, full ROI analysis delivered at close.
Join Lender Pilot →
🏗
For Contractors
Get early access to the Building Block platform. Submit draws, track inspections, and get paid faster — starting now.
Get GC Access →

Questions? Email jason@buildchain.finance