Core Accounting & Fund Management
CommunityPay is a double-entry fund accounting system built from the ground up for community associations. Every journal entry flows through a single mandatory posting interface. Fund segregation is enforced at the ledger level, not by convention.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Double-entry ledger | Mandatory, enforcement-gated | Yes | Simplified GL |
| Native fund accounting | Operating, Reserve, Capital — enforced segregation | Configurable | Basic |
| Chart of accounts | 52 roles, 179-account template library | Standard chart | Standard chart |
| Automated assessment invoicing | Configurable frequency, allocation methods | Yes | Yes |
| Budget management | Multi-fund, variance analysis | Yes | Basic |
| Fixed asset depreciation | Straight-line + declining balance, schedules | Module | – |
| Prepaid amortization engine | Automated monthly, remainder absorption | – | – |
| Accrual cutoff automation | Auto-reversal entries | – | – |
| Allocation engine | 6 methods: equal, sqft, ownership %, unit type, bedrooms, custom | Manual | Manual |
| Period close | Automated with evidence pack generation | Manual checklist | Manual |
| Fiscal period controls | Lock + close with override audit trail | Period lock | – |
| Financial reporting | Balance sheet, P&L, TB, aging, fund recon | Standard reports | Standard reports |
Enforcement & Compliance
Every financial transaction is evaluated by a chain of enforcement guards before it posts to the ledger. Every decision is logged as an immutable record. No decision logged means a precise signal of bypass or bug. This architecture is the subject of a filed US patent application.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Pre-posting transaction evaluation | 13 enforcement guards, every transaction | – | – |
| Immutable decision log | SHA-256 hashed, append-only | – | – |
| Fund segregation guard | Automated, blocks cross-fund violations | – | – |
| Trust account isolation | Commingling prevention guard | – | – |
| Vendor compliance blocking | License, bond, insurance verification | – | – |
| Balance verification guard | DR = CR enforcement, every entry | – | – |
| Closed period guard | Blocks posts to locked/closed periods | – | – |
| Subledger reconciliation guard | AR/AP/Loans vs GL, real-time | – | – |
| Eligibility rules engine | 9 production rules, declarative expressions | – | – |
| Exclusion triggers | 15 triggers, automated bind blocks | – | – |
| Audit override with accountability | Board resolution, expiration, usage limits | – | – |
| Enforcement decision explorer | Full UI: filtering, guard chain drill-down | – | – |
Resale Certificates & State Compliance
Resale certificates are generated directly from live ledger data, mapped to the exact statutory subsections required in each state. Title companies can request certificates via API. Boards review disclosures before generation. Every certificate is a SHA-256 hashed institutional artifact.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Auto-generation from live ledger | Real-time data, statute-mapped items | – | – |
| Multi-state compliance profiles | 6 states, 8 profiles | – | – |
| Washington (RCW 64.34 + WUCIOA 64.90) | 20 + 26 required items | – | – |
| California (Cal. Civ. Code §4525) | 15 required items | – | – |
| Florida (Fla. Stat. §720 + §718) | 19 required items per profile | – | – |
| Texas (Prop. Code §207 + §82) | 10 required items per profile | – | – |
| Oregon (ORS 94.670) | 13 required items | – | – |
| Cryptographic verification | SHA-256 content hash on every certificate | – | – |
| Board review workflow | Disclosure modal, approve/reject | – | – |
| Title company inbound API | 202 Accepted, HMAC-signed callback | – | – |
| Public request form | Buyer/agent self-service | – | – |
| Risk flags | 9 severity-ranked, deterministic | – | – |
Reserve Fund & Debt Management
Reserve fund tracking with 30-year projections, component registers, and funding adequacy analysis. The enterprise debt subledger manages HOA and resident loans with event-sourced balances, deterministic math, versioned amortization schedules, and automated covenant evaluation.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Reserve fund tracking | Fund balance, targets, percent funded | Basic | Basic |
| 30-year projection | Year-by-year cash flow with replacement events | – | – |
| Component register | Full register by category, deterministic sort | – | – |
| Reserve Funding Status Report | Institutional packet, SHA-256 hashed | – | – |
| Enterprise debt subledger | Event-sourced, 12 models, 15 transaction types | – | – |
| HOA loan management | 6 instrument types, variable/fixed rate | – | – |
| Resident loan management | Recovery plan allocation, bulk origination | – | – |
| Amortization schedules | Versioned, immutable, supersede chains | – | – |
| Day-count conventions | Actual/365, Actual/360, 30/360 | – | – |
| Covenant evaluation | DSCR, reserve ratio, delinquency, insurance | – | – |
| Subledger/GL reconciliation | Automated daily with audit trail | – | – |
CPA & Audit Infrastructure
A token-gated portal that gives CPA firms direct read-only access to trial balance, journal register, fund reconciliation, and integrity scans. No login required — one link, scope-controlled, every page access logged. Close Evidence Packs bundle 12 evidence sections for period-end audit review.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Token-gated CPA portal | SHA-256 hashed tokens, shown once | – | – |
| Portal sections | 9: TB, fund recon, integrity, journals, COA, artifacts, AR/AP aging | – | – |
| Scope-controlled access | Per-section manifest per engagement | – | – |
| Immutable event logging | Every page access, resource type tracked | – | – |
| Close Evidence Pack (CEP) | 12 evidence sections, 14 risk flags | – | – |
| Ledger integrity scan | 6 automated checks, daily schedule | – | – |
| Integrity snapshots | SHA-256 hashed, immutable records | – | – |
| Enforcement decision audit | Full guard chain, signals snapshot | – | – |
| Audit engagement management | Vault tab: create, revoke, track access | – | – |
Payment Processing
Payments flow through a vendor-agnostic gateway abstraction. Stripe is the primary provider for resident payments. The gateway interface supports multiple providers, allowing cost optimization as volume scales.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Online resident payments | Stripe Connect, direct charges | RentCafe | Built-in |
| ACH payments | Bank-to-bank via Stripe | Yes | Yes |
| Vendor payments | ACH via gateway | Yardi Bill Pay | AppFolio Pay |
| Multi-gateway abstraction | Stripe, Plaid, Dwolla, InternalACH interfaces | – | – |
| Fee passthrough accounting | 3-line JE: DR Fee, CR Cash, fee split | – | – |
| Fraud detection | Velocity limits, pattern analysis | Basic | Basic |
| Webhook-driven reconciliation | Real-time status, unified entry point | Batch | Batch |
| Daily payment reconciliation | Provider ↔ GL, automated daily | – | – |
Vendor Intelligence & Risk Scoring
BuildRated is the vendor intelligence layer — over one million contractor profiles across 25 states with automated license, bond, and insurance monitoring. CARI is the Community Association Risk Index, a consent-gated scoring system that serves lenders, insurers, title companies, and buyers through an authenticated API.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Contractor database | 1.0M+ profiles, 25 states | – | – |
| License monitoring | Daily automated checks, multi-source | – | – |
| Bond/insurance monitoring | Expiry alerts, compliance scoring | – | – |
| VECR attestation | Vendor Eligibility & Compliance Record | – | – |
| CARI risk scoring | 5-component, 0–100 index | – | – |
| Third-party API | 14 endpoints, consent-gated, tiered | – | – |
| Lender/insurer/title/buyer reports | 4 institutional packet types | – | – |
| Score monitoring & webhooks | HMAC-signed, exponential backoff | – | – |
| Condo questionnaire API (1076/1077) | Auto-fill from live ledger, 8 sections | – | – |
Governance, Attestation, & Trust Accounting
Board attestation binds a content hash to officer signatures. Eleven institutional packet types are generated, hashed, and versioned. The Vault provides a browser for all institutional artifacts with sharing, revocation, and full event logging. Trust accounting enforces three-way reconciliation with daily automated checks.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Board attestation | Content hash binding, e-signature integration | – | – |
| Institutional packet system | 11 packet types, SHA-256 hashed | – | – |
| Artifact Vault | 6 tabs: artifacts, close packs, partners, audit log, engagements, RC requests | – | – |
| Restatement chain | Version history with fresh evidence snapshots | – | – |
| Trust accounting | Three-way reconciliation (bank = GL = client) | – | – |
| Commingling prevention | Guard-enforced trust/operating isolation | – | – |
| Board member portal | Full accounting access, Vault, attestation | Yes | Yes |
| Document management | Institutional artifacts, versioned | Yes | Yes |
Security, Audit Trail, & Integrations
25+ immutable model types form the audit trail. Field-level encryption protects PII and bank details. Bank statement import supports BAI2, OFX/QFX, and CSV with automatic format detection. The legal corpus tracks every statute, case, and regulation cited across the platform.
| Feature | CommunityPay | Yardi Breeze Premier | AppFolio Core |
|---|---|---|---|
| Field-level encryption | PII, bank details (AES-256) | Yes | Yes |
| Immutable audit trail | 25+ immutable model types | Basic audit log | Basic audit log |
| SHA-256 content hashing | All institutional artifacts | – | – |
| Bank statement import | BAI2 + OFX/QFX + CSV, auto-detect | CSV | Bank feed |
| BAI2 parser | 100+ type codes, integrity verification | – | – |
| Transaction matching engine | 8 strategies: fees, payouts, AR, AP, trust, loans | Basic | Basic |
| 1099-NEC/MISC reporting | Automated workflow, W-9 tracking, TIN validation | Add-on | Basic |
| QuickBooks / Xero sync | Bidirectional OAuth2 | Bidirectional | – |
| CARI external API | 14 endpoints, rate-limited, tiered billing | – | – |
| Title company API | Inbound RC requests, HMAC callbacks | – | – |
| Webhook system | HMAC-signed, exponential backoff, dead letter | – | – |
| Living legal corpus | Statute, case law, session law, regulation tracking | – | – |