Compliance Gate

A Compliance Gate is a deterministic rule that blocks a money-movement action on the Construction Clearinghouse ledger unless the required paperwork is in order. A pay application cannot be approved while its associated subcontractor has an expired certificate of insurance. A lien waiver cannot be generated against a pay-app line that has not been approved. A disbursement cannot be initiated without the corresponding signed waiver on file.

Gates are deterministic rather than advisory. The ledger enforces them; a user cannot click past a gate. This is the core difference between a compliance tool (which warns) and a money layer (which refuses). Every gate event is written to the audit log with identity, timestamp, and the specific rule that fired.

Gates are configurable per portfolio, per project, per trade, and per sub, but always run as hard rules once active. They can be extended with customer-specific conditions such as prevailing-wage certification, union compliance, or minority-owned business participation.