Arayo

Release construction milestone payments without the lag

Construction milestone payments stall projects when they cross borders. A contractor in Nairobi finishes a phase and waits a week for a transfer from the Gulf. A supplier holds delivery because the progress payment is “in process”. Arayo settles construction and milestone payments in minutes across 150+ countries, with the rate locked at funding and every payment recorded for the audit trail.

Construction payment delays

When the payment stalls, the site stalls

Big builds run on staged payments: mobilisation, foundations, each progress claim. When those payments are cross-border they inherit every problem of the old rails. Two to five days in transit. FX that moves between the certified amount and the deposited amount. No shared record, so the main contractor and the subcontractor argue over whether the money has even left. On a project with a schedule, that delay has a cost.

What Arayo does for staged work

Settlement in minutes

Settlement in minutes

The contractor or supplier is credited the same day, so the next phase starts on time.

A locked rate per claim

A locked rate per claim

The all-in FX rate is fixed when you fund the milestone. The certified amount is the amount that lands.

An audit trail by default

An audit trail by default

Every milestone payment is timestamped end to end and reconciles against your project records.

Stage funds in a named account

Stage funds in a named account

Hold the next tranche in a multi-currency account in your company's name and release it when the claim is approved.

Pay where your trades are

Pay where your trades are

Bank and mobile wallet payout across 150+ countries, including the African and Gulf markets where major projects and their labour actually sit.

Conditional, milestone-triggered release (roadmap)

The strongest version of this, funds released automatically when a milestone is independently verified, is on the Arayo roadmap. [ROADMAP: confirm verification inputs and timeline]. Today, projects that need milestone-triggered escrow run through licensed partners while Arayo moves the money fast and traceably. We will state plainly what is Arayo and what is partner-provided.

Conditional milestone-triggered release