Lender funds escrow
Construction loan disburses into your project's Stripe Treasury account. FDIC pass-through. You own the account; we orchestrate the rules.
One Project. One Truth.
Construction money, finally programmable.
Every other platform automates one link. We hold the whole chain. Funds release the moment evidence clears — lien waivers, certified payroll, G702 math, COIs. Built on two institutional rails: Stripe for programmable money, Microsoft Azure Confidential Ledger for cryptographic audit. No middleman. No 'wire on Friday.'
One Project. One Truth.
●Lender funds escrowcommitted, not floating
⇱GC submits drawmilestone asserted
⚖Evidence clearstwo parties ✓anchored ✓SoD valid ✓
◈Funds releaseledger records · receipt 1,204
Funds release the moment evidence clears — lien waivers, certified payroll, G702 math, COIs. No middleman. No 'wire on Friday.'
One primitive, three audiences
For Lenders
- Disburse against draw schedules with built-in compliance
- Programmable retainage and automatic G702/G703 math
- Regulator-grade audit trail by default
For Owners + GCs
- Pay your sub-stack in days, not weeks
- Evidence-gated release at every tier
- Never hold a sub waiting on yesterday's lien waiver
For Subs
- Get paid the moment your evidence clears
- No 60-day chase, no 'AP runs Friday'
- Hours, not weeks — across the chain
We hold the whole chain.
Every other platform automates one link. PayConniXT settles the whole thing. Lender to GC to sub to sub-sub to ledger — one continuous flow, four roles, zero handoff gaps.
GC submits draw
G702/G703 math runs as a release condition. Pay-app errors block the release; clean math fires it. No 'wire on Friday' delay.
Evidence clears
Lien waivers, certified payroll, COIs, milestone photos — all machine-readable inputs to the release engine. Conditions encoded as rules.
Funds release, ledger records
RTP / Same-Day-ACH the moment evidence clears. Multi-tier in one event: GC → sub → sub-sub. Every release lands on Microsoft Azure Confidential Ledger.
What changes when escrow becomes programmable
From passive to programmable
Legacy escrow asks humans to confirm release. PayConniXT executes rules. Evidence is the input; release is the output.
From intermediary to infrastructure
We're not the escrow agent. Funds sit in your Stripe Treasury account. We're the rails — programmable, observable, self-serve.
From one-shot to one-flow
Lender → GC → subs → sub-subs in a single continuous primitive. Not four disconnected escrows.
From paperwork to evidence
Lien waivers, COIs, certified payroll, pay-app math become machine-readable inputs. The release moves itself.
Two rails. One programmable primitive.
Two institutional rails: Stripe for programmable money custody (FDIC pass-through Treasury accounts you own) and Microsoft Azure Confidential Ledger for cryptographic audit. Cascade governs the rules between them. ConniXT inherits trust from both providers; we don't reinvent either.
Rail 1
Stripe — programmable money custody
FDIC pass-through Treasury accounts you own. Programmable money movement: RTP / Same-Day-ACH fired by the release engine the moment evidence clears.
Rail 2
Microsoft Azure Confidential Ledger — cryptographic audit
Every release lands on an immutable, cryptographically verifiable ledger. Cascade governs the rules between the two rails; we inherit trust from both providers and reinvent neither.
Trust earned. Payments advance themselves.
Paradigm-shifts answer WHAT changes. This is HOW it works.
Evidence releases the money
When the COI is current, the lien waiver signed, and the G702 math reconciles, funds move. The release engine doesn't ask permission — it executes the rule it was given.
No middleman. No discretion.
Stripe Treasury holds the funds. Cascade governs the rules. Microsoft Confidential Ledger records the audit. We're the rails, not the agent.
Change the rules, not the code
Regulatory floors are immutable. Everything above is policy. Operators UPDATE Cascade — no engineering ticket, no deploy, no version bump.
Eight services. One ledger.
Each service is governed by a Cascade rule. Lenders, owners, and unions can write rules that tighten what releases when. PayConniXT orchestrates; never custodies.
Treasury holds
Per-(job, party) FBO accounts on Stripe Treasury. FDIC pass-through coverage at Stripe partners. One lender-funded balance, fanned out by job and party.
Conditional release
Release evaluators check lien waivers, certified payroll, COIs, pay-app math, prior-period payroll paid, fringe current. ~25 evaluators across the registry today.
Same-day worker pay
Connect Express transfers fire in parallel at the release event. Sub stays the W-2 employer; we orchestrate the chokepoint. 50+ workers per period.
One ledger
Certified payroll, fringe wiring, lien-waiver routing, retainage, and compliance filings — eight services, every event on one Confidential Ledger.
- Certified-payroll automation
- Fringe wiring
- Lien-waiver routing
- Retainage releases
The eight services
Each service is governed by a Cascade rule. Lenders, owners, and unions can write rules that tighten what releases when. PayConniXT orchestrates; never custodies.
Treasury holds
Per-(job, party) FBO accounts on Stripe Treasury. FDIC pass-through coverage at Stripe partners. One lender-funded balance, fanned out by job and party.
Conditional release
Release evaluators check lien waivers, certified payroll, COIs, pay-app math, prior-period payroll paid, fringe current. ~25 evaluators across the registry today.
Same-day worker pay
Connect Express transfers fire in parallel at the release event. Sub stays the W-2 employer; we orchestrate the chokepoint. 50+ workers per period.
Certified-payroll automation
WH-347 (federal Davis-Bacon), NJ Wage Hub (mandatory since 2024), NY 6-year retention. Filed automatically from the period payroll calc. No re-keying.
Fringe wiring
Health, welfare, pension, vacation, training — split per CBA, wired same-day to union locals on Treasury. ACH fallback for transitional locals.
Lien-waiver routing
Conditional to unconditional conversion at sub payout, not at payment capture. Per-pay-app, per-sub waiver chain.
Retainage releases
Tracked across the contract life. Stripe manual-payout pattern holds retainage up to 2 years where state law permits.
Compliance filings
Bond claims, surety reports, regulator-facing surfaces. The Compliance engine catalogs every filing the platform makes on a tenant's behalf.
The rest of PayConniXT.
Eight services on the chokepoint, but the surface is wider. Architecture explains how. Use cases show what it looks like in motion. Payroll and For Unions are the new payroll-surface pages.
How the engine works.
22 sections of mechanism. Stripe Treasury, Connect Express, Henry, Confidential Ledger.
Three patterns, every period.
Mark, Lori, and Priya scenarios. Pre-GA personas, real mechanism.
Same-day worker pay.
Fringe wiring, apprentice ratio, certified-payroll filing. Built into the chokepoint.
Built for locals like yours.
Real-time fringe receipts, apprentice ratio at the wire, WH-347 filed on members' behalf.
Custody, conditional release, retainage.
Stripe Treasury under the hood. The Trust Spine integration spec.
Why we built this.
The origin: 90-day payment cycles, untraceable lien waivers, manual reconciliation.
Talk to us.
Alpha partnership. Pilot conversations. Inbound from lenders, unions, GCs.
Ready to make your project's money programmable?
We're picking 5 alpha partners for Wave 1. If you're a lender, GC, or owner-builder running real projects this year and willing to run alpha software in exchange for direct product influence, let's talk.
Every figure on ConniXT surfaces traces to a public authoritative source or a two-party verified record. Withheld values are named gaps, never estimates.