project wallets
category blueprint
automate contracts + cashflow
to help teams build faster
who - project teams
what - automate contracts + cashflow
where - instantly on blockchain
how - using psychology + technology
why - to help teams build faster
project wallets
project wallets use
- behavioral psychology - clear goals / fast rewards
- blockchain automation - stablecoins, wallets, smart contracts
to automate
- contracts (goals) - the contract / subcontracts / approvals / changes
- cashflow (rewards) - project wallet / phases / invoices / user wallets
on blockchain
1 team - Owner, Contractor, Subs, Suppliers, Lender (optional)
2 rails - automate contracts + cashflow
3 steps - fund / work / approve to pay
4 parts - user wallets, project wallet, the contract, subcontracts
​
to help teams:
build faster for the Owner
pay faster for the Subs/Suppliers
automate work for the Contractors
reduce risk for the Lenders
behavioral psychology – positive reinforcement
positive reinforcement simplified:
a positive reward immediately after a behavior increases frequency + speed.
anticipation of a reward releases dopamine into the brain’s neural pathways – creating excitement and desire to execute & repeat the behavior faster
2 parts psychology:
clear goals (contracts)
fast rewards (cashflow)
1. clear goals
the first part of positive reinforcement is clear goals – (what I must do to get what I want) using smart contracts (if/then agreements), project wallets nest clear goals in the contracts / subcontracts automation rails to setup cooperative game play.
the contract (by phase)
- between the Owner + Contractor
- sequential scope of work + value
- separated into phases = Contractor’s goals
subcontracts (w/invoices)
- nested in phases
- between the Contractor + Sub/Supplier
- detailed scope of work + value
- with preset invoices = Sub/Suppliers goals
2. fast rewards
The second part of positive reinforcement is the fast/immediate reward.
The longer time delay from behavior to reward, the less effective in changing behavior.
Sub/Supplier
- goal - preset invoice
- work – scope of work in the subcontract + invoices
- submit – Sub/Supplier submits completed invoices to Contractor
- approval – Contractor approves invoice to pay Sub/Supplier
- invoice amount = Subs/Suppliers reward
Contractor
- goal - complete phase
- work – subcontract & complete all contracted work
- submit – Contractor submits completed phase to Owner
- approval – Owner approves phase to pay Contractor
- phase OH&P (overhead & profit) = Contractor’s reward
blockchain technology - value automation
blockchain simplified:
a blockchain is a time-based ledger used to transfer + track ownership of digital assets.
keys + complex math validate ownership transfers, once approved – transfer records are bundled (block), linked together (chain), and published to everyone.
3 parts blockchain:
stablecoins (digital asset)
wallets (hold keys)
smart contracts (transfer tool)
1. stablecoins (fiat):
an asset-backed digital currency ( 1 : 1 )
$1 for 1 coin, which is held (or equivalent) in reserve as the coin is traded on the blockchain, redeemable on demand for $1 via the on/off ramp.
​
2. wallets
a digital tool used to hold keys needed to receive & transfer digital assets on blockchain
- public key – your public wallet address used to receive asset ownership
- private key – a wallet specific key used to transfer digital asset ownership
3. smart contracts
an if/then program that self-executes when terms & conditions are met
“pre-funded” to enable auto-transfer of asset ownership when executed
when = instantly
transfers & balances are updated at the speed of the blockchain’s cycle time.
- “cycle/block time” = the time it takes to validate a transfer & publish a new block:
(depending on which blockchain)
​
stablecoin note: there are 4 types of stablecoins (fiat, crypto, commodity, algorithmic)
- asset-backed coins(most common is fiat) use collateral reserves to maintain a 1:1 value
- algorithmic coins use complex mechanisms to rebase & maintain a 1:1 value
​
wallet note: wallets don’t “hold” cryptocurrency - wallets hold the keys used to receive & transfer ownership
- anyone can transfer asset ownership into your wallet via your public key
- no one can transfer asset ownership from your wallet without your private key
​
smart contracts note: no more “digital twins” like with software, or need to reconcile activity in one system to another. The entire team sees everything in real-time, as current as the last blockchain cycle (avg 1 min).
change the way teams think / feel / act:
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​think – from manual / to automation
Manual process & procedures are inherently subjective, easily affected by external influences leaving unpredictable actions which cause unpredictable impact on connected parties. Often unwritten, leaving the operator to mentally juggle how the sequence, impact, and timing effect on all other stakeholders - creating a single human bottleneck that chokes the flow of information & decisions.
Automation removes subjectivity & allows predictive action through programming, charting a clear and collectively agreed upon path - leaving the only the speed of execution as variable. (trains travel faster on rails than cars on roads)
feel – from RI$K / to TRU$T
Manual workflows breed RI$K (financial fear & uncertainty) caused by unclear goals + subjective rewards. This lack of predictive outcome hijacks the brain's amygdala and floods the brain with cortisol + adrenaline. This neurobiological survival response narrows focus, suppresses prefrontal cortex creativity and flexible thinking, and locks actions into safe/known tactics from the past - innovation stalls, problem-solving shrinks, and both decisions + actions crawl to the known "safe speed”.
Automation breaks this cycle, creating TRU$T (mutually predictable action) when funds flow reliably via smart (if/then) contracts, the brain releases oxytocin (the bonding hormone) fostering deep feelings of safety, connection, and mutual reliability. This activates the reward circuits in the brain, reducing defensiveness, and unleashing creativity: teams explore bolder ideas, solve problems faster, collaborate more fluidly, and execute exponentially at “warp speed”.
act – from FLOAT / to FAST
RI$K (financial fear & uncertainty) traps teams in FLOAT mode flooding the brain with cortisol - paralyzing decisions, delaying actions, shrinking solution sets to safe / familiar options, and locking everyone into exhausting "hurry-up & wait" cycles that kill momentum and slows project progress to a crawl….
TRU$T fuels FAST execution by releasing oxytocin into the brain - reducing fear, expanding neural flexibility + creativity, and promoting collaborative teamwork. This shifts the brain from survival freeze to collective flow: unlocking both individual & collective peak performance - to transform a team’s ideas into reality rapidly!
1 team - Owner, Contractor, Subs/Suppliers, Lender (optional)​​​​​​​​​​​​​​​
2 rails - automate contracts + cashflow
contracts (goals) - the contract / subcontracts / approvals / changes
cashflow (rewards) - project wallet / phases / invoices / user wallets
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​​​​​​​​​​​​​​​The acrostic “automate” explains the part & automation flow.​​​​​​​​​​​​​​​​
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Contractor codes the contract (by phase)
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Owner funds a phase - to start work
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Contractor issues funded subcontracts (w/invoices)
-
Subs/Suppliers work + submit preset invoices
-
Contractor approves invoices to pay Subs/Suppliers
-
Owner approves completed phase to pay Contractor
change orders (as needed)​​
3 steps - ​​​​​​​​​​fund / work / approve to pay
​​​​​​​​​​​​​​
legacy cashflow = work / approve / fund / pay
project wallets = fund / work / approve to pay
​
Legacy cashflow typically has a large lag between work completed & payment release. This delay exacerbates projects problems & hurts small/medium Subs/Suppliers who are less capable to carry debt.
Project wallets “fund first” enables cashflow automation, reducing financial pain / risk for small & medium Subs/Suppliers - turning fast execution into a rewarding habit.
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automation rules
1) Contracts must be funded before they can be worked on
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Owner must fund contract (by phase) before subcontracts can be issued
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Contractor must fund subcontracts once Sub/Supplier accepts terms
2) Subcontracts cannot be issued for more than the contracted amount
-
subcontracts can be issued for less than the contracted amount (Contractor profit) – which is held in the phase, until Owner approves the completed phase
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​4 parts - user wallets | project wallet | the contract | subcontracts
​
user wallets – blockchain wallet only
-
owned/funded/managed by the individual user
-
connected to an outside financial institution via on/off ramp
project wallet – blockchain wallet + smart (if/then) contract
-
owned/funded/managed by the Owner
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(optional) funded by the Lender
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if a balance remains after project completion / then sent to Owner
-
Lender approval (if applicable)​
-
the contract (by phase) – blockchain wallet + smart (if/then) contract
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agreement between Owner + Contractor
-
scope – work to be performed
-
budget – each scope value
-
schedule – in sequential phase
-
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Owner funded from project wallet (by phase)
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if Owner approves the phase / then Contractor is paid phase OH&P
-
modified by change order (as needed)
subcontract (w/invoices) – blockchain wallet + smart (if/then) contract
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agreement between Contractor + Sub/Supplier
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invoices preset & funded at the time of subcontract issue
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if Contractor approves invoice / then invoice amount sent to Sub/Supplier
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modified by change order (as needed)
category adoption
innovators + early adopters (16.5%)
small companies (5M - 50M)
-
growing / growth mindset
-
young decision makers < 50
-
manual < automation
-
base knowledge of digital assets
-
primary profit from OH&P
Owner financed projects (100K – 10M)
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fast + complex (multi-party/phase)
-
renovations / remodels
-
custom new builds
early majority (34%)
mid-sized companies (50M - 500M)
-
shift from manual to automation
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profit shift from OPM to OH&P
large Owner projects (10M+)
Lender financed projects (100k-10M)
-
larger new builds
government projects
late majority + laggards (50%)
large companies (500M+)
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don’t want to grow / change
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primary profit from OPM investment
large Lender projects (10M+)
insurance work
category vocabulary
approve to pay – single action to both approve work & release reward instantly
blockchain – digital platform for the storage / organization / trade of value
the contract – primary agreement between Owner + Contractor
Contractor - team leader & responsible for project execution
invoice – nested inside subcontract (Sub/Supplier’s goal)
Lender (optional) - financial stakeholder
OH&P – Overhead & Profit
OPM - Other People's Money
overhead – contracted value direct to Contractor
Owner – primary stakeholder & decision maker
phase – sub-grouping of contract value (Contractor goal)
project wallet – Owner’s programmable blockchain wallet
profit - value in contract less subcontracted amount – held in phase
RI$K (villain) - financial fear & uncertainty
smart contracts – self-executing if/then agreements programmed onto blockchain
stablecoin – asset-backed digital currency (1:1)
subcontract – nested agreement between Contractor + Sub/Supplier
Subcontractor - labor suppliers (multiple per project)
Supplier - material suppliers (multiple per project)
TRU$T (hero) – mutually predictable financial actions between parties
user wallet – individually owned & controlled blockchain wallet
wallets – storage of keys for digital asset ownership on blockchain