Patent Pending · BLDCHN-001-P · Powered by XRP Ledger · Arizona Construction Finance

Where Construction
Meets Capital.

BuildChain is the single platform connecting lenders, developers, and contractors — automating every draw request, site inspection, and fund release through blockchain-verified smart escrow.

Get Early Access →See how it works
🏗 90-Day Lender Pilot Program5 active loans · no cost · full ROI analysis at closeApply now →
app.buildchain.io/lender
◎Portfolio
↑Draw Requests
✓Inspections
📋Documents
∿Reports
$1.24M
In Escrow
4
Active Draws
$285K
Released Today
⬡ DUAL-CONDITION AUTO-RELEASE · Draw #DR-0014just now
✓Inspector credential NFT
✓Lien waiver NFT on-ledger
EscrowFinish · $285,000 released · Patent BLDCHN-001-P §V
Riverside Commons · Phase 368%
Harbor View Plaza · Foundation34%
The Platform

Three industries.
One seamless connection.

For the first time, everyone in the construction loan chain operates from the same verified data — no handoffs, no phone calls, no disputes.

🏗
Construction

Built for
the job site.

G702/G703 draw requests
Inspector portal (token-gated)
Phase-based disbursements
Building Block AI for GCs
⬡
BuildChain
Patent-protected
dual-condition engine
BLDCHN-001-P
🏦
Capital

Built for
the lending desk.

Portfolio dashboard & LTV tracking
Automated escrow disbursement
On-chain compliance receipts
Lien waiver NFT management
89%
Reduction in draw cycle time
14 days → under 48 hours
$4.6M+
Annual value per $200M portfolio
fraud reduction + admin savings
100%
Lien waiver compliance rate
guaranteed — on-chain, immutable
3–5s
XRPL settlement finality
vs. 3–5 days by legacy wire
How it works

Two conditions.
One automatic release.

No manual wires. No approval delays. Funds move the instant the ledger confirms both conditions — and not a moment before.

01
📋

Draw Submitted

Borrower submits draw with G703 schedule of values. Lender approves — BuildChain creates an XRPL EscrowCreate, locking funds on-chain.

EscrowCreate · XRPL
02
🔍

Site Inspected

Licensed inspector submits report 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 lien waiver receipt. BuildChain mints a Lien Waiver NFT (taxon 2). That's Condition ② satisfied.

NFT taxon 2 · Condition ②
04
⚡

Auto-Released

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

EscrowFinish · Auto · §V
⬡
Verification Receipt — generated on every auto-release
Inspector NFT ID · Lien Waiver NFT ID · EscrowFinish tx hash · ISO timestamp · Patent ref BLDCHN-001-P §V — stored as an immutable JSONB receipt, always available for regulators, title companies, and auditors.
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.

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.
Native XRPL Escrow
EscrowCreate locks loan funds at draw approval. EscrowFinish executes automatically the instant both NFTs are detected on-chain.
RLUSD Disbursements
Stablecoin draw releases via Ripple USD. One environment variable away — ESCROW_CURRENCY=RLUSD — when XRPL Hooks go live.
🛡
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
XLS-20 Taxon 0
Loan NFT
Minted at origination, burned at payoff
XLS-20 Taxon 1
Draw Event
Records each disbursement event
XLS-20 Taxon 2
Lien Waiver
⚡ Condition ② — triggers release
XLS-20 Taxon 3
Inspector Cred
⚡ Condition ① — triggers release
⚡
3–5 sec
XRPL settlement · $0.0001 per tx · No gas wars
Currently accepting early-access partners

The future of construction
lending is on-chain.

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

Request Early Access →Log in to platform