escrow accounts and releases payments only when both parties agree that a project stage is complete or after an admin-reviewed dispute process. BillderPay supports transparent cost structures, digital contracts, and document and evidence uploads to clarify what has been agreed and delivered. Homeowners use the service to avoid upfront payments without protection and to pay only for completed work, while builders use it to confirm that project funds are available and to improve payment reliability and cash flow. The system is designed to handle project changes by allowing milestones and budgets to be updated while maintaining payment protection.