The full lifecycle
Seven steps from project creation to reconciled payment.
Project Setup
Builder creates a project on Sabeam, defines milestones with payment amounts, and invites the homeowner. Takes about five minutes.
Funds Deposited
Homeowner deposits AUD into the project via direct debit (PayTo). Funds are drawn directly from their bank account — no manual transfers.
Funds Secured
Deposited funds are held in a regulated Monoova trust account and locked to specific milestones. Neither party can access them unilaterally.
Work Completed
Builder completes the milestone work and marks it as done — either manually through the dashboard or automatically via a Procore webhook.
Review & Approval
Homeowner receives a notification, reviews the milestone evidence, and approves the release. If unsatisfied, they can raise a dispute with one click.
Instant Payment
On approval, funds release instantly via Australia’s New Payments Platform (NPP) — directly to the builder’s bank account. Same-day settlement.
Reconciliation & Audit
Payment auto-reconciles in Xero. Every deposit, approval, and release is recorded in an immutable audit trail with timestamps and amounts.
Trust architecture
Three layers of protection ensure funds are safe, segregated, and auditable at every stage.
Regulated Trust Accounts
All project funds are held by Monoova, an AFSL-licensed financial institution. Funds are completely segregated from Sabeam’s operating capital and protected under Australian financial regulations.
Milestone-Locked Escrow
Deposited funds are cryptographically bound to specific milestones. Release requires verified completion conditions to be met — no single party can unilaterally move funds.
Immutable Audit Trail
Every deposit, approval, release, and dispute is permanently recorded with timestamps, amounts, and parties. Records cannot be altered or deleted after the fact.
Settlement speed matters
Faster payments mean healthier builders, fewer insolvencies, and happier homeowners.
Traditional Escrow
Manual bank transfers, paper-based approvals, batch processing windows, and multiple intermediaries. Each step introduces delay and potential for error.
Sabeam
Homeowner approves, funds release via NPP directly to the builder's bank account. No manual intervention, no batch windows, no intermediaries.
Verification & dispute resolution
Clear processes that protect both builders and homeowners.
How Verification Works
- 1Builder marks milestone as complete and submits evidence
- 2Homeowner receives notification with review details
- 3Homeowner approves or raises a dispute within the review window
- 4On approval, funds release instantly to the builder
How Disputes Work
- 1Either party raises a dispute — funds freeze immediately
- 248-hour review window for both parties to submit evidence
- 3Independent resolution process evaluates the evidence
- 4Funds released or returned based on the resolution outcome
Fits into your existing stack
Sabeam integrates with the tools you already use — no migration required.
Accounting (Xero)
Payments auto-reconcile in Xero when milestones are released. Invoices marked paid, transactions reconciled, bookkeeper work reduced to zero.
Project Management (Procore)
Procore webhooks trigger milestone status updates automatically. When a stage is marked complete in Procore, Sabeam initiates the review process.
Platform API
RESTful API with real-time webhooks. Create projects, manage milestones, and trigger releases programmatically. Full sandbox mode for development.
Bank-grade security
Every layer of Sabeam is built with security as a first principle.
256-bit Encryption
All data encrypted in transit and at rest using AES-256. TLS 1.3 for all API and web traffic.
Multi-Factor Auth
TOTP-based two-factor authentication required for all high-value operations and account changes.
Fraud Detection
Real-time transaction monitoring, IP reputation scoring, and anomaly detection on every operation.
AUSTRAC Registered
Full AML/KYC compliance with GreenID identity verification integrated into the onboarding flow.
Technical FAQ
Questions we hear from CTOs, engineers, and platform partners.
Ready to protect your next project?
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