For Banks
Manage $5B.
Earn it by getting it right.
Every URBAL raise — seven towns, one city, four infrastructure raises, twelve times a year — needs a bank to hold the construction escrow. You don't buy your way in. You compete on terms, and you get paid for delivering, not for showing up.
Selected by open competition, not a panel
Banks submit their management fee, escrow terms, and investment capabilities directly in the app during the raise. Best offer wins.
A new competition every raise
Every one of the twelve annual raises is its own bid, because each one funds a different town or city. The host county is chosen once a year; the escrow seat is chosen twelve times. There is no standing contract to defend and no lock-in protecting whoever won last time.
Zero access before Labor Day
Every dollar is escrowed. URBAL can't touch it. Neither can you, until the raise closes.
Real scale, every cycle
$5B in construction escrow, every raise, twelve times a year.
Interest is your performance bonus
Manage the draw at every milestone, deliver on spec, on budget, on time, and the interest earned during construction is yours to keep.
The model
You're not a lender. You're not an investor. You bid to manage the money — on price, and on what you can actually offer.
URBAL doesn't borrow, so there's no interest to collect on debt. There's no equity, so there's no dividend to chase. What there is: a $5B construction pool that needs a custodian for every raise, and a Sovereign Wealth Fund behind it that keeps compounding for the life of the town. Banks submit their management fee, escrow terms, and investment offering directly through the platform — and all three matter.
Winning the bid
Every raise — town, city, or infrastructure, twelve times a year — is its own open competition. Submit your terms in the app. The winning bank becomes that raise's OCIO custodian, and — for town and city raises — the manager of the fund that follows it.
Pre-construction
Escrow interest — town, city, and infrastructure alike — is aggregated across the previous twelve months of raises and sweeps into the Civic Anchor Account, the community account inside the Bunch's Sovereign Wealth Fund. It is then divided by the total number of dwelling units across all seven towns and the city, so every door in the Bunch receives the same amount. Community capital, not a personal balance.
During construction
This is where you earn. Milestone-based draws release funds as construction hits verified benchmarks — on spec, on budget, on time. Meet all three, and the performance interest accrued across the build is yours to keep, at the rate you bid.
After the raise closes — the relationship doesn't end at Labor Day. The Civic Anchor your interest helped seed keeps growing for the life of every town in the Bunch, alongside the personal accounts every steward holds — and pooled across thousands of them, it's large enough to access the kind of institutional-grade investments no individual steward could reach alone. What you offer them is part of what won you the bid in the first place.
Why this is different
No relationship wins this account. Your bid does — the whole bid.
Every URBAL raise's custodian is chosen the same way everything else here is — open competition, decided by the platform, visible to everyone. Win it, and the immutable ledger means every draw, every milestone, every dollar is visible in real time — not to just the county, to every steward in the town, permanently.
No discretion. No override.
Funds release only against verified milestones — eleven gates across the build, each written to the ledger as it clears.
Twelve raises a year. One open bid each.
Seven towns, one city, four infrastructure raises — every one of them its own construction fund, its own bid, decided fresh every cycle.
Ready to compete