Autonomous Capital Governance for Commercial Construction Draws.
Commercial real estate owners and lenders lose millions to unbacked stored materials, missing lien waivers, and retainage calculation creep. DADO turns construction contracts and state prompt-payment laws into code—autonomously auditing every pay application down to the penny.
Select a real-world draw risk scenario below to see how DADO’s deterministic rules engine audits contractor billing in real time:
Metropolitan Tower B ($145M GMP Contract)
Disputed funds flagged for designated third-party escrow instruction
Ready for commercial treasury export (ISO 20022 pain.001)
Contractor billed 10% retainage instead of the required 5% step-down past 50% completion, plus unfiled UCC-1 stored steel.
Why Construction Capital Needs In-Line Governance
- ✕14-Day Statutory Traps: State prompt-pay laws (NY GBL § 756-b / N.J.S.A. § 2A:30A-2) legally approve unverified bills if owners don't issue formal defect notices within strict windows.
- ✕Retainage Slippage: Complex contract step-down riders (e.g., 10% stepping down to 5% post-50%) slip through manual 30-page spreadsheet checks.
- ✕Unbacked Stored Materials: Millions wired for off-site fabrication without verified UCC-1 title filings, leaving lenders exposed to bankruptcy liens.
- ✓Deterministic Verification: Verifies every line of the AIA G702/G703 ($D+E+F=G$) down to the penny against contract exhibits in seconds.
- ✓Automated Objection Dossier: Drafts legally defensible defect notices before statutory deemed-approval clocks run out.
- ✓Non-Custodial Settlement Routing: Net operating proceeds map to corporate-to-bank ISO 20022 pain.001 instructions, while disputed variances generate internal memo withholdings for third-party escrow.
Simulate Autonomous Disbursement Defense
Stress-test a $2.45M commercial draw application. Toggle forensic breach vectors to see DADO protect capital before statutory deemed approval triggers.
Retainage Step-Down Inversion
Contract Exhibit C § 9.3
GC billed 10.0% retainage after passing the 50% substantial completion threshold (capped at 5.0%).
Unperfected Off-Site Storage
UCC § 9-310 / NY GBL § 756-b
Structural steel stored off-site lacking verified warehouseman title transfer and insurance endorsements.
Lien Waiver Clearing Hash Mismatch
AIA G702 Clause 4 / Mechanics Lien Safe Harbor
Subcontractor unconditional waiver missing or clearing hash does not match prior disbursement ledger.
Simulate passing the 14-day safe-harbor window without an objection dossier.
Autonomously compiled court-admissible objection dossier halting prompt-pay clock. $310,000 protected from deemed approval.