◆ Supervised Worker
Checks each draw request against the approved budget, the schedule of values, lien waivers and inspection reports, then queues releasing what checks out and holds what does not. Caps draws at inspected completion, holds back retention per policy, and gates every release above a threshold on an independent oversight agent that re-derives the disbursement.
Memory
Working The draw request + schedule of values + prior-draw history.
Episodic The project's draw history and budget-line burn rate.
Semantic Construction-loan policy, lien-waiver requirements, retention rules.
Store Draw ledger + project document store
Orchestration
pipeline MCPA2A
Harness · Managed Agents … case session with document tools; immutable draw ledger.
Tools
{ } Loan administration system API { } Document intake (invoices, waivers, inspections) API ›_ Budget reconciliation Code exec ⇄ Oversight-agent release gate A2A
Evals & guardrails
- Every release above a threshold is re-derived and approved by an independent oversight agent … the agent never disburses alone.
- Draw cannot exceed the budget line or outpace inspected completion; over-draws hold.
- Immutable draw ledger reconciled to the loan balance for audit.
Frontier edge
- ▲Formal action-gating: 'cannot disburse above inspected completion' is a provable, cryptographically-signed constraint on the release, not a checklist the agent might skip … every draw replayable.
- ▲Multimodal site verification: reads inspection photos and drone progress imagery against the schedule of values, catching a draw billed ahead of the actual concrete.
- ▲Proactive lien tracking: anticipates which sub-tier waivers will be missing for the next draw and chases them before the request lands.
A sample run
Trigger Draw #6 submitted on a development loan: $1.2m against framing and rough-in.
- 1Match line items to the schedule of values and the approved budget.
- 2Verify lien waivers for the prior draw and the latest inspection percentage.
- 3Confirm requested amount is within inspected completion; prepare the release.
Output A reconciled draw queued for oversight-agent release, retention held back per policy; a missing lien waiver would instead hold the draw and re-queue the request.
In numbers
< 6 min
Median draw review
+30%
Over-draw exceptions caught
Handoffs
Fed by ← CRE Underwriting Agent
Hands to → Portfolio Early-Warning Agent