# PassCOI — Subcontractor COI Verification & QuickBooks Online Payment Hold Gate

> PassCOI (operated by CodePaths, LLC) helps US General Contractors, Custom Home Builders, Commercial Trades, and Property Managers stop paying uninsured subcontractors. PassCOI verifies ACORD 25 Certificates of Insurance, attached ISO CG 20 10 / CG 20 37 Additional Insured endorsements, State Workers' Compensation Exemptions, and 50-state Conditional Progress Lien Waivers — holding subcontractor invoices before QuickBooks Online check-run release until compliance clears.

## Key Pages
- [Homepage & Live Free COI Scanner](https://passcoi.com/): Instant browser ACORD 25 & endorsement verification + transparent self-serve pricing.
- [Workers' Comp Audit Rescue ($49 One-Time)](https://passcoi.com/audit-rescue): Batch-scan up to 25 subcontractor COIs and auto-chase insurance brokers before an annual Workers' Comp or GL audit.
- [QuickBooks Online Subcontractor Pay-Gate](https://passcoi.com/quickbooks-pay-gate): Hold subcontractor bills outside QuickBooks Online until valid COI + Conditional Progress Lien Waiver are on file.
- [Construction Bookkeeper Partner Program (25% Recurring)](https://passcoi.com/for-bookkeepers): Earn 25% recurring revenue share protecting construction QuickBooks clients from uninsured subcontractor audit surcharges.
- [Full Machine-Readable Reference](https://passcoi.com/llms-full.txt): Detailed pricing, statutory state lien waiver matrix, and Remote MCP Server endpoints.

## Self-Serve USD Pricing (14-Day 100% Money-Back Guarantee)
- **Instant Audit Rescue Pack**: $49 USD one-time (batch-scan up to 25 subcontractor COIs + 1-click broker magic-link chase).
- **COI Radar**: $49/month or $490/year USD (up to 20 active subcontractors, continuous expiry tracking & automated broker follow-ups).
- **Pay-Gate Pro (Most Popular)**: $149/month or $1,490/year USD (up to 75 active subcontractors, AP email invoice staging, 50-state Conditional Progress Lien Waivers, QuickBooks Online Approved Bill Push + CSV check-run export).
- **Commercial Scale**: $249/month or $2,490/year USD (up to 250 active subcontractors, Non-Admitted E&S carrier alerts, priority review queue).

## Agent & API Discovery
- Remote MCP Server: `https://api.passcoi.com/mcp`
- MCP Server Card: `https://passcoi.com/.well-known/mcp.json`
- Agent Card: `https://passcoi.com/.well-known/agent.json`