Town 001 · Now Raising

A classic remedy

for modern living.

By removing the extractive costs of housing, healthcare, and education, URBAL gives you true peace of mind.

Pledge. Share your preferences.
Find your blend.

Pledge your spot → How it works
URBAL Town — one square mile, car-free

How it works

Five parties. One town.

URBAL is a rewards-based crowdfunding platform. Five parties match, a monthly raise closes, and construction begins on a car-free, one-square-mile stone town — built around your preferences.

01

Pledger

Your ideal community. Your terms.

Pledge your monthly amount — from $100 for a Studio to $300 for a 5-bedroom. Share preferences through Instagram and Pinterest signals. URBAL uses your signal data to match you with a community built around people who share your vision for what living well looks like. When the raise closes, your pledge converts to a Proprietary Lease Covenant — your cost is locked, your neighbors were selected.

02

Business

Demand earns your spot. Results keep it.

Pledgers signal which businesses they want inside the town — how often they'd visit a given café, tailor, or clinic. The businesses with the highest verified demand from pledgers earn a lease. You don't buy in. You compete for it by demonstrating the community wants you. You keep it by delivering: stewards vote every December on every commercial lease. The community's demand decides who's in.

03

County

A $5B investment. 529s for every child.

Counties compete to host an URBAL town by adopting the URBAL Recipe — offering a favorable pilot rate and a land Letter of Intent. The winning county earns a $5B construction investment, the highest-value tax base in the state, and $100M split into 529 college savings accounts for every child in county schools. One county wins. One town is built.

04

Landowner

Market rate plus 20%. Then an annuity.

The county designates the land parcel. The landowner receives the Letter of Intent at market rate plus 20% — a premium no conventional sale offers. Settlement is one transaction, one closing. After construction, the landowner earns a 30-year annuity from URBAL town — an ongoing revenue stream tied to the lasting value the town creates on what was once their land.

05

Bank

Earn the performance interest — if you deliver.

Banks bid to manage the $5B construction escrow and the town's Sovereign Wealth Fund. The escrow is split into separate accounts, and the interest they earn does not all go to the same place. Interest accrued before Labor Day is never the bank's — it sweeps into the town Sovereign Wealth Fund and becomes every first-cohort steward's seed. What the winning bank competes for is the performance tranche that follows, and it is genuinely conditional: deliver construction on spec, on budget and on time and the bank keeps it; miss and it is forfeited. That is the whole design — the bank earns by building well, not by sitting on the float.

Built differently

Different in
every dimension.

Physical

Car-free.
Stone. One
square mile.

No road grid — The Form-Based Code makes the car structurally impossible — not discouraged, not taxed, structurally absent.
CNC limestone — No concrete. No mortar. Tongue-and-groove cut stone with a 500-year structural design life.
10-minute walk — Every essential — doctor, school, employer, grocery, park — within one square mile.

Financial

One fee.
All-in.
Fixed for your term.

PLC — not a lease — The Proprietary Lease Covenant fixes your cost to square footage, never to market value. No landlord can raise it.
Everything included — Housing, healthcare, energy, education, Tea Leaves, Samara Air — one flat monthly number.
No surprise bills — No premium, no deductible, no tuition bill, no utility bill, no car payment. There is nothing else to arrive.

Governance

Every vote
binding.
Every vote permanent.

Annual Mainstay vote — Every commercial lease — café, clinic, employer — re-competed by steward vote each December. Flag in July, vote in December.
Immutable ledger — Every vote is permanently recorded. No one overrules it. No executive authority. The vote is the authority.
Quiet Council — Enforces steward votes. No judicial override. No political capture. No zoning board.

Network Effects

Each town
funds
the next.

Town → Bunch — One county winner per year. 12 monthly raises fund a full Bunch: 7 Towns, 1 City, and a 1-square-mile park — plus shared infrastructure: SMR energy, data centers, and a high-speed point-to-point gondola transit system.
Bunch → Bouquet — 4 Bunches. 36 square miles. A target of 844,000 residents. Each future Bunch is funded by the Ladder fee reserved from stewards already living in URBAL — no outside capital required.
Compounding demand — 25 million pledgers signal preferences before a stone is cut. That demand data is the product — it attracts businesses, counties, and banks.

A different model

Not renting.
Not owning.

Stewardship. A fixed-term covenant between you and a community you helped build.

URBAL stone architecture

Your cost. Locked at signing. Forever.

Indexed to square footage — not the market. No landlord. No variable rate. The number you sign is the number you pay.

Tailored
for you.

25 million people. 10,000 homes. Profile — not wealth — decides who gets a key.

Community selection

Peace of mind,
built in.

Health covered. Education included. Cost certain. Morning yours.

How stewardship works →

Every system reinforces every other.

Car-free makes it walkable. Walkable makes it social. Social makes it safe. Stone makes it permanent.

URBAL architecture

Built to last
500 years.

CNC limestone · Stone construction

The relief

One

bill. Not eleven.
Locked for your term.

Not a discount — a different structure. The things that arrive as eleven separate bills everywhere else arrive as one line here, fixed the day you sign.

What you juggle now

  • Rent or mortgage
  • Health insurance premium
  • Deductibles and copays
  • Car payment
  • Car insurance
  • Fuel and maintenance
  • Utilities
  • Internet
  • Daycare
  • Tuition
  • Property tax

What you pay here

Your monthly fee.

Every line above is inside it. The rate is set by formula, published in full, and locked at signing for the length of your term — it does not move with the market or with what your neighborhood becomes.

See how every line is derived →

How your life changes

One square mile.
A complete life.

Your morning isn't a commute.

Everything is a 10-minute walk. $1,025 a month stays in your pocket.

10'

Your doctor lives here.

Direct Primary Care. No insurer. No deductible. Included.

Healthcare →
URBAL town

Energy at $0.045/sqft. Fixed.

SMR power. No utility. No grid risk. No markup.

K–12 through university. Included.

Teacher LLCs. URBAL College. Daycare. Built into the plan.

Every business earned its place.

Each December, stewards vote every commercial lease. Serve — stay. Don't — cleared January 1.

How it scales

One town.
Scaled to thirty-six.

Towns become Bunches. Bunches become Bouquets. Each future layer funded by the Ladder fee reserved from stewards already living in URBAL.

URBAL Town — one square mile layout

The Town

1 square mile · 25,000 target · car-free

URBAL Bunch — 9 square miles, 7 towns

The Bunch

9 sq mi · 7 Towns + City + Park

URBAL Bouquet — 36 square miles, 4 bunches

The Bouquet

36 sq mi · 4 Bunches · 844,000 target residents

How scale works →

Why pledge now

Your pledge builds this.

No VC. No government. No bank. Raise fails — every dollar comes back.

25M

People. 10,000 homes.

Profile determines selection — not wealth. Pledge amount is capped in the formula.

$5B

Raise threshold. All in escrow.

Held by an independent custodian — not URBAL. Every dollar accounted for.

100%

Refunded if the raise fails.

All-or-nothing. Miss the threshold and the month voids automatically.

"Time. Autonomy.
Emotional stability."

Stone that outlasts every anxiety about what next year will cost.

Classic craft. Modern peace of mind.

Town 001 · Now Raising

One fee a month.
Everything included.

Built by you.

From $100/month. Full refund if the raise fails.

Pledge your spot → Why URBAL →