Draw, lien-waiver and retainage payments for construction.
Payment holds until the lien waiver and COI clear, retainage tracked to the cent, and every draw an approved, auditable money movement. Construction cash flow with the compliance built in.
Construction money movement is gated money movement: a subcontractor gets paid on a pay application, but only after the lien waiver is signed and the certificate of insurance is current — and 5–10% is held back as retainage until the project closes. Get the gates wrong and you've paid out compliance risk; get retainage wrong and the project's economics are off.
Digital Treasury makes those gates and holdbacks first-class: a draw is a payment order that won't release until its conditions clear, retainage is a tracked ledger position, and every dollar is auditable. It ships as DrawOps.
The money problems in Construction.
Payment gated on compliance
A draw shouldn't release until the lien waiver is signed and the COI is current. If those gates live outside the payment system, they get skipped under deadline pressure.
Retainage to the cent
Holding back 10% across dozens of subs and draws, then releasing it correctly at closeout, is exactly the kind of running total that drifts in a spreadsheet.
Pay applications and approvals
Each pay app is a real money movement that needs an approval trail — who approved what, against which schedule of values.
How Digital Treasury solves it.
Conditional draws
A draw is a payment order that holds until its lien-waiver and COI conditions clear — compliance is a gate on the money, not a checklist beside it.
Retainage as a ledger position
The withheld percentage posts to a retainage ledger account per project and per sub, released only against an approved closeout — always reconciled, never a guess.
Dual approval on high-value movement
Large draws and closeout wires route through dual approval per your policy, with a full audit trail on every step.
The configured product for Construction.
DrawOps is Digital Treasury for construction — pay applications, lien-waiver and COI gates that hold payment until compliance clears, and retainage tracked to the cent across every project.
Construction, answered.
Can payment be held until lien waivers are signed?
Yes. A draw is a payment order with release conditions — it will not disburse until the lien waiver and certificate of insurance requirements are satisfied, so compliance gates the money directly.
How is retainage handled?
The retained percentage posts to a dedicated retainage ledger account per project and subcontractor and is released only against an approved closeout event, so the holdback always reconciles to the cent.
Other markets on the same engine.
Staffing
Workers are paid Friday. Clients pay NET-30. The platform funds the gap and tracks it to the cent — payroll funding as a ledger primitive, not a separate lender.
Lending / fintech
Originate on a hold, disburse on a rail, collect on a schedule — all on one ledger that always knows the outstanding balance. Lending infrastructure without stitching three systems together.
Legal / IOLTA
Client money held in trust, three-way reconciled, and moved to operating only against an earned, approved invoice. Bar-compliant trust accounting as infrastructure — not a bolt-on.
Move money in Construction on infrastructure built for it.
One API for payments, ledgering and compliance — white-labeled as DrawOps, or connected to your own systems.
Request access →