Property Vault · The platform

One asset verification platform - identity, provenance and financial utility for everything of value.

Six capabilities, one record per asset. Vault ID gives it an identity. Verified History and sealed documents give it provenance. Vault Score grades the evidence. Tokenise, Lending & Collateral and the Vault API connect it - through regulated partners - to capital and to the systems that already run your business.

Live in pilot - Homes Six capabilities · twelve asset classes XRP Ledger · Roadmap · subject to approvals
A luxury asset verification dashboard on a desk
Vault ID
PV-GB-LDS-204871
Live in pilot
ClassProperty · one of twelve
Natural keyUPRN · held off-chain
Vault Score78 / 100 · illustrative
Building Control completionScheme certificate · sealed
1.0
Boiler serviceOwner upload · sealed
0.4
Integrity receipt sha256 · 9f2c…e41a · anchoring: testnet rehearsal
Illustrative record - not a real asset.

Platform facts

1Vault ID per asset - issued once, never reused
12Master asset classes, one record shape
4Scopes live in pilot - owner, agent-buyer, insurer-surveyor, solicitor
160bitScope tokens, stored hashed, expiring

Property Vault's own facts, from the pilot's code, 7 Oct 2026.

The architecture

Asset → Identity → Verification → Value → Collateral → Credit.

It isn't property → token. Each step is evidenced by the one before it, and the chain is the same for a house, a watch, a yacht or a cask.

  1. Asset Twelve classes

    Anything with a natural key

    UPRN, VIN, hull number, serial, cask number - held off-chain.

    All asset classes
  2. Identity Live in pilot

    Vault ID

    One permanent identity per asset - the unit of record.

    Vault ID
  3. Verification Live in pilot

    Verified History

    Every event, document and owner, sealed and graded by issuer.

    Verified History
  4. Value Live in pilot

    Vault Score

    A verification score - whether the documents exist, who issued them and that they are unaltered since issue; never a valuation, a credit input or a judgement of the work.

    Vault Score
  5. Collateral Roadmap · subject to approvals

    Tokenise · Lending & Collateral

    A pointer token follows the Vault ID - never title. Regulated lenders read the Vault as collateral.

    Tokenise Lending & Collateral
  6. Credit Roadmap · subject to approvals

    Markets

    Regulated issuers, venues and lenders host any offer and settle; Property Vault supplies the evidence.

    Property Vault Markets
The Vault API runs under every step - scoped reads, registered-professional writes and webhooks. Launching early access
Vault ID Live in pilot

A digital asset register starts with one permanent identity per asset.

The unit of record is the asset - not the owner, not the address. Format PV-GB-{AREA}-{6 digits}; issued once, never reused. For homes a UPRN or a stated reason is required.

Natural keys are captured per class and held off-chain. Launching Transfer with history intact: when the asset changes hands the Vault ID and its record go with it - the buyer accepts, the seller releases, the Vault Score recomputes - and there is no toll on transferring the record of your own asset.

  • Private by design - no public lookup by address, registration or serial
  • Seeding every home Vault from open data - HM Land Registry open datasets, the EPC register, planning, flood zone, OS Open UPRN - is launching
Identity Illustrative
Vault IDPV-GB-LDS-204871
ClassProperty
Natural keyUPRN · held off-chain
TransferWith history intact · launching
Public lookupNone - scoped reads only
Verified History Live in pilot

Provenance you can check, not just read.

Every event in a Vault - extension, rewire, boiler, roof - carries its evidence and the grade of whoever issued it: scheme certificate first, registered professional next, owner upload last.

Documents are hashed on upload and given an integrity receipt - the hash and timestamp that prove the file has not changed. Originals are kept; corrections are new versions. Scopes hide documents, not history; opens are logged.

Launching Integrity anchoring runs as a rehearsal on the XRPL testnet: Merkle roots of keyed commitments are written to the test network, which can be reset, and listed on the public anchor page; mainnet anchoring is on the roadmap, subject to approvals. On mainnet, a daily Merkle root of receipts will be written to the XRP Ledger - a timestamp nobody, including Property Vault, will be able to rewrite - and any receipt will be checkable on the public verifier.

Timeline · rear extension Illustrative
Building Control completion certificateStatutory scheme · sealed on upload
1.0
Electrical Installation CertificateRegistered professional · NICEIC reference
0.9
Progress photographsOwner upload · version 2
0.4
Receipt sha256 · 3b7d…c902 · issued on upload · originals kept
Vault Score Live in pilot

A verification score with its method published.

The Vault Score is a verification score - whether the documents exist, who issued them and that they are unaltered since issue; never a valuation, a credit input or a judgement of the work.

It is computed by a rules engine whose method and weights are published: Building Control 1.0, registered professional 0.9, firm 0.7, owner-provided 0.4; owner-only evidence capped at 65; listed-but-unverified professionals ×0.8. The result is 0-100 and a band - High, Partial or Low - recomputed on every event.

Issuer weights · published Live in pilot in the pilot's code
Building Control / statutory scheme1.0
Registered professional (scheme reference)0.9
Firm0.7
Owner-provided0.4

Owner-only cap 65 · listed-but-unverified ×0.8 · verification-rules.ts, 7 Oct 2026.

Tokenise

Two kinds of token. Neither is title.

Roadmap · subject to approvals A pointer token follows the Vault ID on the XRP Ledger (XLS-20/46, mutable) and references a scope-gated manifest. It is a pointer to the record - never title; the statutory register wins on any conflict. Planned for testnet after the data-protection impact assessment, then mainnet.

Fractional ownership is different: a regulated instrument issued by an FCA-authorised issuer or Digital Securities Sandbox participant through an SPV or trust, for assets that meet a minimum Vault Score and a clean statutory record. Property Vault supplies the Vault ID, Verified History, Vault Score and eligibility data; it never hosts an offer, runs a venue, holds keys or moves money.

Launching through regulated partners, subject to regulatory approvals. This page describes a product in development. It is not an offer or a financial promotion.
The record stays off-chain; a pointer token on the XRP Ledger references a scope-gated manifest and is never title OFF-CHAIN · PROPERTY VAULT The Vault Documents · personal data · keys Vault Score · ownership · legal title PV-GB-LDS-204871 Statutory register wins on conflict Scope-gated manifest Hashes of events, no identifiers Readable only under a granted scope owner · agent-buyer · insurer XRP LEDGER Pointer token XLS-20 / XLS-46 · mutable taxon = asset class · URI → manifest Follows the Vault ID through transfer Never title. No address or serial. Fractional ownership Regulated issuer via SPV / trust Settled in RLUSD · Permissioned Domains Subject to regulatory approvals
Tokens represent a record; documents, people and title stay off-chain.
Lending & Collateral

Verified assets as financeable collateral.

Roadmap · subject to approvals Lending against verified assets is through regulated lenders. What a lender assesses - ownership, valuation, condition, insurance, liens, title - would be read from the Vault under a lender-valuer scope - next after the four scopes live in pilot - not re-assembled from paper.

On-ledger, it depends on XRPL amendments still in validator voting - Single Asset Vault (XLS-65) and the Lending Protocol (XLS-66) - and is supported when they activate; until then lenders assess Vaults through the Vault API. Settlement in RLUSD; liquidity in XRP.

Launching through regulated partners, subject to regulatory approvals. This page describes a product in development. It is not an offer or a financial promotion.
Ledger · settlement infrastructure

The XRP Ledger (XRPL)

Where the daily anchor will be written - in rehearsal on the XRPL testnet today - and, through regulated partners, where tokens would live.

Settlement asset

RLUSD

The settlement asset for regulated issuers and lenders. Property Vault never holds or moves it.

Liquidity · reserves

XRP

The ledger's native asset - liquidity and reserves.

Vault API Launching early access

The record, inside the systems you already run.

Scoped reads, registered-professional writes, webhooks and an open record schema - so a Vault can be read by a claims platform, written by a scheme and exported whole. Through the Vault API it is the data your systems call.

  • Scoped reads. 160-bit tokens, stored hashed, expiring; lender-valuer, loss-adjuster, probate and broker scopes next.
  • Registered-professional writes. An Organisation registered by reference to a scheme it already holds - Gas Safe, NICEIC/NAPIT, FENSA, HETAS, RICS, CLC/SRA - issues verified events.
  • Webhooks on every event, version and transfer.
  • Open record schema. The whole Vault exports; no URI is the only path to it.
// illustrative - a read under an insurer-surveyor scope
GET /v1/vaults/PV-GB-LDS-204871
Authorization: Scope s_••••••••••••••••

{
  "vaultId": "PV-GB-LDS-204871",
  "class": "property",
  "vaultScore": { "value": 78, "band": "mid", "rulesVersion": "2026.10" },
  "events": [
    { "type": "building-control.completion", "issuerClass": "statutory", "weight": 1.0, "sealed": true },
    { "type": "electrical.eicr", "issuerClass": "registered-professional", "weight": 0.9 }
  ],
  "documents": "withheld by scope"
}
Illustrative request and response.
Where data lives

The record stays off-chain. The ledger holds what identifies no one.

The record is off-chain by design. Documents, personal data, natural keys, scoring and legal title never go on-ledger. The ledger will be the independent timestamp that lets anyone check a seal - once anchoring reaches mainnet; today it is a testnet rehearsal.

Off-chain - the Vault

  • The record and its documents - events, owners, versions
  • Personal data - Members and Organisations
  • Natural keys - UPRN, title number, VIN, serial
  • Vault Score - computed by the published rules engine
  • Legal title - with the statutory register, which wins

On the XRP Ledger

  • A daily anchor - one Merkle root of integrity receipts; a hash, no data. Testnet rehearsal today.
  • Later, pointer tokens - one per Vault ID; no address, VRM or serial reachable from the ledger.
  • Later, issuer registrations - XLS-70 Credentials for registered professionals.
  • Through regulated partners - fractional instruments and lending, when approved.
What Property Vault never holds
No keys No client money No physical goods No token or stablecoin of our own Statutory register wins

Security and data handling

Three products

One record. Three ways to use it.

The same Vault - Vault ID, Verified History and Vault Score - serves the Owner who holds it, the Organisation that works on it through Pro, and, through regulated partners, the market that finances it.

Capability Property Vault
Owners · free
Pro
Organisations · talk to us
Markets
From launch · subject to regulatory approvals
Vault ID per asset
Verified History and sealed documents
Vault Score
Portfolios, issuing, analytics, seats
Pro workflows
Tokenise
Lending & Collateral
StatusLive in pilotLive in pilot
Pro workflows launching
Roadmap · subject to approvals
Questions

The asset verification platform, answered.

What is an asset verification platform?

A system that gives a physical asset a permanent identity, records what has happened to it with evidence, grades that evidence by who issued it, and shares the result only under the owner's control. Property Vault's asset verification platform does this with Vault ID, Verified History, Vault Score and the Vault API. The Homes pilot is live; other classes are launching or on the roadmap.

Which asset classes does the platform cover?

Twelve master classes on one record shape: Property, Land, Vehicles, Marine, Aviation, Luxury, Art, Collectables, Consumable Collectables, Specialist Assets, Infrastructure and Financial / Rights. Property is live in pilot; watches and jewellery are next, then Vehicles, then Marine; every other class is designed for - register interest.

Does Property Vault tokenise assets or lend against them?

No. Tokenise and Lending & Collateral are launching through regulated partners, subject to regulatory approvals. Any offer is made by a regulated issuer or lender; Property Vault supplies the Vault ID, Verified History, Vault Score and eligibility data, and never hosts an offer, lends, holds keys or moves money.

How does an Organisation connect its systems to the platform?

Through the Vault API - scoped reads, registered-professional writes, webhooks and an open record schema - which is launching with early access by request, and through Property Vault Pro, the professional asset management product.

Is the record stored on a blockchain?

No. Documents, personal data, natural keys, scoring and legal title stay off-chain. Integrity anchoring runs as a rehearsal on the XRPL testnet: Merkle roots of keyed commitments are written to the test network, which can be reset, and listed on the public anchor page; mainnet anchoring is on the roadmap, subject to approvals. On mainnet, a daily hash of integrity receipts will be written to the ledger, and pointer tokens are planned for testnet after the data-protection impact assessment. Nothing reachable from the ledger identifies a property or a person.

If you own it, put it in your Vault.

Create the Vault ID for your first asset, or see how Organisations work with Vaults.