ECONOS

The Unified Financial OS for Commercial Contracting.

ECONOS Financial Technologies eliminates 60-day payment delays and retainage disputes for general contractors, specialty subcontractors, and construction capital desks. Automate AIA Document G702/G703 progress billing, 50-state statutory lien waivers, same-day invoice factoring modeling, and IRS §179D federal energy tax workflows in a single platform.

Key Platform Metrics & Capabilities

  • $391M+ Modeled Contract Receivables managed across multi-tenant construction ledgers.
  • 50 States Statutory Lien Waiver Matrix covering conditional and unconditional progress and final waivers.
  • Under 24 Hours Same-Day Factoring Target with up to 95% invoice advance modeling and Altman Z''-Score underwriting.
  • $5.65 / sq.ft. IRS §179D Energy Rate plus IRC §179 equipment expensing and Form 6765 R&D credit calculation.

Product Demonstration & Platform Screenshots

Explore live ECONOS workspace screenshots and walkthroughs covering AIA Document G702/G703 Progress Billing ($850,000 contract, $267,300 payment due), Tri-Party Joint-Check Escrow Clearing ($391,000.00 escrow ledger), and Same-Day Working Capital Factoring (90% advance / $76,050.00 on $84,500 invoice).

ECONOS AIA Document G702 and G703 Progress Billing Dashboard

Core Construction & Capital Markets Wedge (Layer 1 Highlights)

  1. AIA Document G702 / G703 Autonomous Progress Billing: Automates 9-line Applications for Payment and Schedule of Values (SOV) schedules, stored materials, and 10% statutory retainage withholdings.
  2. Tri-Party Joint-Check & Escrow Clearing Protocol: Connects General Contractor, Subcontractor, and Material Supplier workflows to reduce mechanic lien exposure.
  3. Working Capital Factoring Exchange: Models same-day invoice advances underwritten with Altman Z''-Score metrics and UCC § 9-406 notices.
  4. IRS §179D & §41 Federal Tax Suite: Automates energy efficiency deduction modeling, equipment expensing, and R&D tax credit preparation.
  5. Commercial Fleet Cards & AIA G701 Change Orders: Maps expenses to CSI MasterFormat codes and enforces OSHA EMR & COI pre-qualification checks.

Complete 100-Layer ECONOS Architecture (9 Tiers · 45 FinOps Workspaces)

  • Tier 1 — Core OS (L1–L5): 45-module Enterprise Business & FinOps Core, Client Acquisition (Google Places API + AI Voice Outreach), Sovereign Wealth Engine (20 engines), Trust Matrix (28 Sovereign Agents + Ed25519 Passports), and Economic Knowledge Graph, plus Total Banking Operations and OMNIFIN Exchange.
  • Tier 2 — V2 Strategic Intelligence (L6–L10): 12-Stage Economic Brain, 8-Tier Counterparty Shock Propagation, 10,000-Path Monte Carlo Macro Simulator, 16-Stage Executive M&A Pipeline, and Quantitative Model Registry.
  • Tier 3 — Sovereign Infrastructure (L11–L20): FedNow/ISO 20022 Execution Rails, Cryptographic Merkle Decision Memory, Bayesian Learning, Global Capital Pool, Multilateral P2P Clearing, Zero-Knowledge Trade Clearance, Tokenized RWA Tri-Party Repo, Macro Hedge Synthesizer, M&A Roll-Up, and Sovereign War Room.
  • Tier 4–6 — Planetary, Frontier & Omni-Access (L21–L41): Synthetic Central Bank (E-SDR), Post-Quantum Enclave, 195-Nation Fiduciary & Legal Synthesis, Compute/Energy Arbitrage, 90-Day Credit Default Sentinel, and Sovereign Citadel.
  • Tier 7 — Enterprise Synthetics (L42–L61): Working Capital, Supply Chain, Dynamic Pricing, SaaS Rightsizing, Automated Insurance Enclave, ESG/Carbon Registry, Real-Time ASC 606, SEC/EDGAR & IFRS Audit, IP Shield, and PE LBO Optimizer.
  • Tier 8 — Tax & Private Equity Suite (L62–L75): Layer 62 R&D Tax §41 (Form 6765), §1031 & Opportunity Zones, §1202 QSBS Multiplier, SALT/PTET, Transfer Pricing BEPS 2.0, PE Carve-Outs, CLO Tranches, Cost Segregation & §179D, ESOP, and Captive Reinsurance.
  • Tier 9 — Deep Space & Continuum Frontier (L76–L100): 25 long-horizon continuity modules extending the platform to Layer 100 alongside AuraX L1 and the 8-Pillar Master Terminal.

Commercial Licensing & How to Access ECONOS

  • Instant Free Sandbox: Launch the 30-workspace evaluation sandbox immediately with one click and zero registration.
  • Trade Contractor Pro ($1,490/mo): AIA G702/G703 billing, 50-state lien waivers, §179D tax suite, and 13-week cash runway.
  • General Contractor ($4,850/mo): Tri-party escrow workflows, Davis-Bacon WH-347 payroll, Altman Z''-Score underwriting, and Miller Act surety tools.
  • Institutional Capital Desk ($12,500/mo + 1.25%): Multi-tenant factoring isolation, UCC Article 9 packages, and Procore/Textura/Sage ERP webhooks.