Town 001 · Now Raising · Rewards-Based Crowdfunding
A classic remedy
for modern living.
$3,876/month — rent, a car, health insurance, utilities. URBAL covers all of that, plus education and global travel, for $1,218. The middlemen have been structurally removed. That's the entire explanation.
Pledge $100–$300/month for your dwelling size. Raise hits $5B — a car-free stone town is built and the 10,000 best-matched stewards get keys. Raise fails — every dollar comes back.
The numbers
$2,658 a month. That's the gap.
The American default
URBAL 2BR · 1,300 sqft · $80K HHI
$2,658 stays in your pocket. Every month.
$31,896 a year. $637,920 over twenty years — before compound interest.
Why it costs less
No middlemen. No property tax. One number per square foot.
Every line in your URBAL cost is indexed to one variable: your square footage. Not your zip code. Not what someone paid last month. Not what the landlord decided. Every service — housing, healthcare, energy, education, even global hotel and aviation access — has its own named escrow, each auditable on the ledger in real time.
No property tax.
Property tax is a slush fund — one municipal pool, no named destination, spent at discretion and reported after the fact. URBAL has no pool to raid. Every fee dollar lands in its own escrow on the immutable ledger, where no human can redirect it.
No insurer, no utility, no landlord.
Every entity whose business model depends on marking up your cost before passing on the service has been removed. Healthcare is Direct Primary Care — your doctor, no insurer. Energy is SMR — your town, no utility. Housing is a fixed-term contract — no market rent.
Every dollar has an address.
Construction, operations, healthcare, education, and county fees each flow into separate named escrows — all on the distributed ledger, public and real-time. There is no general fund, no opacity, no discretion. You can read where your money went before the statement arrives.
What URBAL gives you back
Time. Certainty. A place that's actually yours.
You know what next year costs.
Your fee is locked at signing — indexed to square footage, not to the market. It cannot rise when your street becomes desirable. It cannot be increased by a landlord. The number you sign is the number you pay for the life of your term.
489 places to be between home and work.
Every URBAL town has 489 Spice Tray third places — cafés, sunset terraces, galleries, live music, studios, markets. Not home. Not work. The living room of the community, built into the ground plan and voted on every December by the people who use them.
Every person on your street competed to be here.
25 million people will pledge for 10,000 homes. Your neighbors didn't drift there — they committed before a single stone was laid. Best technologists, scientists, artists, and tradespeople assembled into one complementary community. Wealth doesn't decide. Profile does.
What's inside
One square mile. A complete life.
Every URBAL town is one square mile of CNC-fabricated limestone, built car-free, designed to last 500 years. Everything essential is inside. Towns cluster into Bunches. Bunches grow into Bouquets. Each layer is funded by the people living there.
Town
1 square mile · ~25,000 residents · car-free · 489 third-place Spice Tray buildings · K–12 and university · direct steward democracy · stone, 500-year design life
City
1 square mile · ~36,000 residents · higher density · the civic and intellectual hub of each Bunch · cultural anchor for the wider network
Bunch
9 square miles · 7 Towns + 1 City + 1 Green Park · Rolls-Royce small modular reactor · underground AI datacenter · gondola network linking every town
Bouquet Garnier
36 square miles · 4 Bunches · 28 towns + 4 cities + 4 parks · one full Congressional township · complete sovereign infrastructure
How your life changes
Energy is $0.045/sqft. Fixed. No utility company in the chain.
SMR power from the Bunch's shared small modular reactor — billed at a flat per-sqft rate as a named line in your monthly fee. No variable rate. No grid outage from a network you don't control. No markup from a company whose profit depends on charging you more.
Your doctor lives in your town and works for you.
Direct Primary Care — no insurer between you and your physician. Included visits. No deductibles, no networks, no claims forms. Your monthly cost covers it. No prior authorization. No lifetime cap. You get sick; you go. That's it.
Every business in your town earned its place.
Every December, stewards vote on every commercial lease in the town. Businesses that serve the community stay. The ones that don't are replaced by new competitors starting January 1. No legacy leases. No tenure. You don't write a Yelp review. You vote them out.
Your morning isn't a commute.
Everything is a 10-minute walk. No car. No parking. No traffic. The gondola network connects your town to the rest of the Bunch for longer journeys. The $1,025 a month you were sending to your car payment, insurance, and fuel stays in your pocket.
Why pledge now
Your pledge is what builds this. There is no other mechanism.
No venture capital. No government. No bank. 25 million people pledging $100–$300 a month is how a stone town gets built. If the raise never reaches $5B, every dollar comes back — confirmed by IRS Private Letter Ruling before a single dollar was collected.
25M
Pledgers competing for 10,000 homes
Profile determines selection — not wealth. The best technologists, scientists, artists, and tradespeople assembled into one complementary community. Pledge amount is capped in the scoring formula.
$5B
Raise threshold. All held in escrow.
Every pledge dollar is held by an independent OCIO custodian — not by URBAL. A 10% fee funds URBAL ($250M), the winning county ($150M), and 529 education accounts for every public school child in that county ($100M).
100%
Refunded if the raise fails.
URBAL secured an IRS Private Letter Ruling before collecting a dollar. Your refund right is legally confirmed and independent of URBAL's financial health. The escrow custodian returns funds automatically.
A different definition of wealth
"Time. Autonomy. Emotional stability. That's what URBAL is engineered to give you — not a bigger apartment, not a faster car."
When housing is stable, healthcare is covered, your neighbors are chosen, and your morning belongs to you — you stop managing logistics and start living. URBAL is infrastructure for that life. Stone that outlasts every anxiety about what next year will cost.
Classic craft. Modern peace of mind.
Town 001 · Now Raising
$1,218 a month.
Everything included.
Built by you.
No insurance claim. No property tax. No car payment. No commute. No utility markup.
25,000 neighbors who competed to be here. 25 million who tried.
From $100/month. Full refund if the raise fails.