How It Works
Pledge your size.
Build your town.
Six steps from a monthly pledge to a front door. If the raise fails, every dollar comes back.
[Image: six-step timeline — pledge to Key Day, stone town rising]
From $100/month
1BR at $100, 2BR at $150, 3BR at $200, 4BR at $250, 5BR at $300. Pick your size, pledge monthly.
Escrow-protected
Your money never touches URBAL. An independent OCIO custodian holds every dollar until $5B is reached.
Profile, not wealth
25M pledgers compete for 10,000 units. Wealth is capped. Your profile decides.
36-month build
Construction begins after the raise closes. Stone only — no concrete, no steel. Built to last 500 years.
Key Day
Your PLC activates. You receive your key, pay $1,218/mo for a 2BR (at $80K state HHI), and seed the sovereign wealth fund.
Full refund if raise fails
If $5B is never reached, every pledger receives a complete refund. Structural guarantee, not a promise.
[Image: pledge UI — dwelling size selector, monthly amounts]
Step 1–2
Choose your size. Pledge monthly. Build your profile.
Select 1–4BR. Complete preference wizard: dwelling type, employers, priorities. Businesses competing for Spice Tray spots offer you rewards.
[Image: 12-month raise calendar — Sep–Apr towns, May–Aug infrastructure, Labor Day release]
Step 3 — The Raise Calendar
12 independent raises. All close on Labor Day — or all refund.
One complete Bunch requires 12 consecutive monthly raises. Each independently must cross $5B. All 12 escrows release simultaneously when the winning county is announced.
[Image: Wild Flower Garden SFH exterior — enclosed garden, stone, Charleston scale]
Wild Flower Garden Rider
The only path to a single-family home. And it closes at pledge time.
Charleston-style stone townhouses with private enclosed gardens — gated behind the +50% WFG Rider, held from pledge time ($150 → $225 for a 2BR). Drop it and the door closes forever. If you want a garden home, this is when you decide.
[Image: cohort selection — diverse profiles, not a wealth ranking]
Step 4
Profile decides. Not wealth.
Best technologists, scientists, artists, tradespeople assembled into complementary cohorts. Pledge amount capped. Profile, term, and fit decide.
Take a closer look
Six steps. Pledge to front door.
Pledge
Step 1 — Pledge
From $100/month. Fully refundable.
Choose your dwelling size — 1BR ($100/mo), 2BR ($150/mo), 3BR ($200/mo), 4BR ($250/mo), or 5BR ($300/mo). Your pledge is held in escrow by an independent OCIO custodian bank. URBAL cannot access these funds. If the raise fails, every dollar is returned in full. Pledging is the only way to ever be considered for a URBAL town.
Step 2 — Preference UI
Build your profile. Earn rewards.
After pledging you complete the multi-step preference wizard: dwelling type, employer preferences, and community priorities. Businesses competing for a spot in the town's Spice Trays offer discounts, early access, and perks as you engage. Your preferences build the demand signal that shapes which businesses appear in your town.
Step 3 — 12 raises. One Labor Day.
Each of 12 monthly raises must independently cross $5B.
Building a complete Bunch requires 12 consecutive monthly raises — 8 human-settlement raises (September through April) and 4 Terreno infrastructure raises (May through August). Each raise is a discrete all-or-nothing event. Every single one must independently cross the $5B construction escrow threshold. If any raise fails, all 12 refund in full. If all 12 succeed, all 12 escrows release simultaneously on Labor Day. A 10% fee on top of the $5B funds URBAL Platform ($250M), the winning county ($150M), and county children's 529 accounts ($100M). The winning county is announced that same Labor Day.
Wild Flower Garden Rider — permanent gate
Must hold the Rider at pledge time. No exceptions. Ever.
Wild Flower Garden is URBAL's single-family home zone — 16 URBs of stone townhouses with enclosed gardens. Access requires holding the WFG Expansion Rider at pledge time. The Rider adds 50% to your base pledge and is default-selected at checkout — you opt out, not in. If you are not holding the Rider when the raise closes, you are permanently locked out of all WFG units. There is no upgrade path after raise close. No exceptions. This is the only path to a garden home in URBAL, and it closes with the raise.
Step 4 — Cohort selection
~25M pledgers. 10,000 units.
URBAL selects across technology, science, arts, and trades — people who together form a complementary, sustainable community. The scoring formula draws from social presence, professional fit, PLC term commitment, pledge duration, and community alignment. Pledge amount is capped. Money alone cannot buy a spot. If not selected, you move to the active waitlist for every subsequent town.
Step 5 — Construction (36 months)
Stone only. No concrete, no steel.
Construction begins after raise close and county announcement. Town 001 is a single URB Bunch — 4 contiguous town squares. CNC-fabricated limestone, just-in-time from Polycor. The Form-Based Code is structurally enforced — no road grid is possible. Every disbursement from construction escrow is recorded on immutable ledger.
Step 6 — Key Day
PLC activates. $1,218/mo all-in for a 2BR.
On Key Day, your Proprietary Lease Covenant activates. You receive your dwelling key and begin paying the monthly service fee — housing, healthcare, energy, education, and all travel benefits, one fixed number. For a 2BR (1,300 sqft) at $80K state median HHI, that is $1,218/month all-in. The SWF earns institutional returns and departs with you in full when your term ends.
Your move