Construction payments,
settled in seconds.
Every dollar you deploy into a project disappears into a chain of intermediaries. BuildLedger gives you visibility from draw release to final payee — and settles payments in seconds, not months.
Construction's $280 billion cash flow crisis
The U.S. construction industry spends $2.2 trillion a year — but the way money moves through projects hasn't changed in decades. Lenders release draws to owners. Owners fund GCs. GCs disburse to subs and vendors. Each layer adds delays, fees, and opacity. The result: the people funding the project can't see where the money goes, and the people doing the work are the last to get paid.
90 days
Average time to payment for subcontractors — double the healthy threshold
PwC Working Capital Report; Siteline 2025
$280B
Annual cost of payment delays to the U.S. construction industry
Rabbet 2024 Construction Payments Report
69%
Of construction payments still made by paper check
PYMNTS / American Express 2025 Report
Pay app approved. Payment delivered. Instantly.
BuildLedger replaces the traditional payment pipeline with a direct, auditable model. When a pay application is approved, funds convert to USDC and deposit directly into the payee's account — giving lenders and owners a complete, real-time view of every dollar from disbursement to delivery.
Pay App Approved
The pay application is submitted and approved through BuildLedger or synced from your existing project management software.
Instant Conversion
Approved funds automatically convert from USD to USDC — a regulated digital dollar backed 1:1 by U.S. dollar reserves.
Payment Delivered
USDC deposits directly to the payee's account. Settlement in seconds. 24/7. No intermediaries.
Built for how construction actually works
Instant Settlement
Approved pay apps convert to USDC and deposit directly to payees. Faster project velocity, reduced draw cycle risk, and no disbursement bottlenecks.
Pay App Management
AIA G702/G703-format pay applications, schedule of values tracking, and multi-party approval workflows — built natively.
Smart Contract Milestones
Programmable payments triggered by inspection verification, permit approval, or completion certificates. Funds release only when conditions are met — protecting everyone in the capital stack.
Lien Waiver Automation
Conditional and unconditional lien waivers generated and exchanged automatically on payment confirmation.
Real-Time Fund Tracking
Lenders, owners, GCs, and subs see every payment in real time. Know exactly where project funds are at every stage — no reconciliation delays, no phone calls.
Compliance Built In
KYC/AML monitoring, certified payroll tracking, insurance verification, and regulatory reporting — the audit trail lenders and owners need, generated automatically.
Built on regulated infrastructure
BuildLedger operates on USDC — a regulated stablecoin issued by Circle (NYSE: CRCL) and backed 1:1 by U.S. dollar reserves. The GENIUS Act, signed into law on July 18, 2025, established the first federal regulatory framework for payment stablecoins, providing legal clarity for the infrastructure BuildLedger is built on.
Get early access
Join the waitlist to be among the first to use BuildLedger.
Questions? Reach out at contact@buildledger.com