PropTech Intelligence

From client assessment to property assessment

Turns fragmented property data into a clear output on collateral quality, risks, and financing readiness.

Via Torino 24, Milan

Residential - Apartment - 124 sqm

Amber status

78 Score

Trend analysis

trending_flatStable

Confidence

reportEPC expired

Action required

warningElectrical inspection missing

Warning

verifiedTitle verified

Verified

What powers the Property Trust Score

PTS combines multiple fragmented property data sources into one trusted collateral risk view, creating a single source of truth for lenders.

assignment_turned_in

Inspection records

Direct verification from authorized physical inspections and historical logs.

energy_savings_leaf

Energy certificates

Integrated EPC databases tracking efficiency ratings and upgrade histories.

gavel

Land registry

Real-time cadastral updates and legal title verification across jurisdictions.

analytics

Valuation and monitoring

Automated valuation models paired with continuous market movement tracking.

How a lender would use it

Collect data

Generate score

Deliver recommendation

Underwriting Output PanelSystem ID: CI-PTS-9882

Risk magnitude

78MEDIUM RISK

Integrity flags

2Missing documents

3Active alerts

Recommendation

Finance with conditions

Ongoing portfolio monitoring

Monitoring creates recurring value beyond origination. Shift from snapshot risk to dynamic surveillance of your real estate collateral.

update

Real-time revaluation

Automated updates based on local market indices.

security_update_warning

Compliance drift

Instant notification when certificates or documents expire.

Alert type	Asset reference	Priority	Impact
EPC expired	LND-2024-001	High	-5 pts
New legal flag	MLN-9982-A	Medium	Review required
Valuation changed	RM-0045-8B	Medium	-4.2% AVM

Commercial model

Decisioning at origination. Monitoring over time. Remediation when action is needed.

PTS creates revenue across the full collateral lifecycle.

Decisioning

Revenue from property checks, trust scores, underwriting outputs, and API-based decision support.

Monitoring

Recurring revenue from portfolio monitoring, alerts, compliance changes, and property-risk updates.

Remediation

Additional revenue from follow-up services such as inspections, certification, valuation refresh, and partner-led solutions.

One-time revenue. Recurring revenue. Service and partner revenue.

Who could use it

A multi-layered ecosystem for real estate risk management.

Primary

Retail banks and lenders

check_circleMortgage origination
check_circleCapital adequacy reporting
check_circleRisk-weighted asset calibration

Secondary

Capital markets

check_circleSecuritization due diligence
check_circleNPL valuation
check_circlePortfolio acquisitions

Ecosystem

Service partners

check_circleInsurance underwriting
check_circleProfessional valuers
check_circleSustainability consultants

Not a business built from scratch.

It extends proven client-intelligence capabilities into the collateral domain. It combines institutional credit experience with a new layer of property risk intelligence.