Vault Score: a verification score for the evidence,
not for the asset.
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. 0-100 and a band, computed by a rules engine whose method and weights are published here.
Eight requirements, nineteen weight points. Each document earns its weight scaled by who issued it; one unverified professional applies ×0.8.
- Planning decision notice · local authority3.0 / 3
- Structural calculations · registered engineer3.0 / 3
- Electrical certificate · installer not verified×0.8
- Completion certificate · owner photograph2.0 / 5
One sentence defines the verification score - and four things it is not.
One question: how well is this record evidenced?
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.
Not a survey
A fully documented house can still have live subsidence. It reads the paperwork, not the walls.
Not a valuation
A valuer's figure sits beside it, never inside it.
Not a guarantee
A sealed certificate proves it exists and is unaltered, not that the work was good.
Not a credit input
No lender or insurer underwrites on it. It is a completeness signal beside their checks.
Verification methodology: four steps, no black box.
These are the engine's weights behind the verification score - methodology vs-1.0.0. Every score carries a breakdown of which requirement earned what, built from the sealed documents in Verified History.
Stage requirements
Each event type has stages; each stage lists the evidence it expects, weighted, with a minimum issuer class.
Evidence grading by issuer class
A lower-class document still counts, scaled by the ratio of class weights. An owner's copy of a Building Control certificate earns 0.4 of its weight.
Event modifiers
Professionals listed, none identity-verified: ×0.8. An event entered as owner-provided: capped at 65, whatever its evidence.
Record score
The mean of the issued events' levels, each weighted by how many documents it holds; 0-100, banded High, Partial or Low. One number for every viewer.
Issuer classes and weights
- Building Control1.0
- Registered professional0.9
- Firm0.7
- Owner-provided0.4
| Stage · requirement | Min. class | Weight |
|---|---|---|
| Planning granted · decision notice | Building Control | 3 |
| Planning granted · approved drawings | Firm | 1 |
| Structural design · calculations | Registered professional | 3 |
| Structural design · drawing package | Registered professional | 2 |
| Built & inspected · completion photographs | Firm | 1 |
| Built & inspected · electrical certificate | Registered professional | 2 |
| Signed off · completion certificate | Building Control | 5 |
| Warranty active · warranty certificate | Firm | 2 |
The extension event as configured in the pilot engine (methodology vs-1.0.0, config/verification-rules.ts). The completion certificate weighs most because it is the document a buyer's solicitor asks for.
- Matching. A requirement is met by a document in that stage whose requirement key names it - or, with no key, whose document type matches. The highest issuer class among the matches counts.
- Earned weight. The requirement's weight × the document's class weight ÷ the required class's weight, never more than the full weight. An unrecognised class weighs as owner-provided.
- Custom stages. A stage made without a template is worth one point, earned at the class weight of its best document.
- Event level. Earned ÷ possible × 100; then ×0.8 if the event lists professionals and none is marked identity-verified; then capped at 65 if the event was entered as owner-provided, whatever its evidence; rounded half up. Historical events, such as the original construction, show no level and do not count.
- Record level. The mean of the issued, non-historical events' levels, each weighted by its number of current documents (at least one), rounded half up - always from the full record, so every viewer, whatever their scope, sees the same number.
- Bands. High 85-100 · Partial 50-84 · Low 0-49.
Registered as methodology vs-1.0.0, config hash 7fcfe7ef7a96…770764d9 (SHA-256 of the canonical rules in config/verification-rules.ts). Changing any rule makes a new version; every stored score names the version that produced it.
The same extension, five ways.
Worked from the stage table above. Not a real home.
Planning, structural and builder documents at their required class. Electrician listed, not verified. No completion certificate or warranty.12 of 19 weight points, then ×0.8
51PartialThe Owner photographs the completion certificate and uploads the warranty.Owner-provided: 2.0 of 5 points and 1.14 of 2
64PartialThe certificate is ingested from Building Control instead.Full 5 points; ×0.8 still applies
76PartialThe electrician's registration is confirmed at the date of the work; ×0.8 lifted.18.14 of 19 weight points
95HighInstead: the whole event entered by the Owner, no professional identity checked.Owner-provided events never exceed 65
≤65Capped
Two things move a score decisively: a certificate from the body that issued it, and a professional whose registration is confirmed. Photographs help; they cannot substitute.
A completeness signal beside the certificates and the valuation.
Home Information Packs were suspended on 21 May 2010 (gov.uk). Buyers' solicitors and lenders would not rely on seller-commissioned packs and re-ordered them. A record only works in the form the buyer's solicitor accepts - so the verification score points at the evidence and replaces no one's judgement.
Agents and conveyancers
Before exchange: which certificates exist, which are owner copies, which are missing.
Sale-Ready PassportClaims handlers
At first notification: was the boiler commissioned, the rewire certificated, and by whom.
Claim Evidence ReportLenders' valuers
Under a lender-valuer scope, beside the valuer's report. Underwriting stays the lender's.
For lendersDealers and auction houses
At sale: service history, authentication and ownership chain.
Provenance PassportIssuers and venues
Eligibility: a minimum Vault Score and a clean statutory record, read through the Vault API. Any offer is theirs.
Vault APINever a substitute
Not for the survey, the valuation, the search, the policy or the credit decision. It shows where the evidence is thin.
Same weights. Stages that change with the asset.
Issuer classes, cap and multiplier are constant; the evidence each stage expects is not. Launching - class-specific stages arrive with each class.
A cask's regauge
The warehouse's regauge certificate at full weight; a broker's photograph at 0.4.
A yacht's survey
A registered marine surveyor's condition survey; hull number and registry first.
A watch's authentication
Manufacturer or authorised-dealer authentication weighted highest; a seller's photographs at 0.4.
A painting's condition report
A conservator's report and the gallery's provenance letter; an owner's note counted, but capped.
Property is live in pilot; watches and jewellery are next, then Vehicles, launching with registering partners; the rest are designed for - the twelve classes.
Three commitments before any Organisation reads it in production.
Tested against outcomes, correctable when wrong, backed when it fails.
A published calibration plan
Which outcomes are tracked against which bands: conveyancer enquiries on High records, disputed claims on certificated events, documents later found altered.
A disputes and correction process
Owners and issuers can challenge a reading. Corrections are new versions, never overwrites; the score is recomputed.
Professional indemnity cover
In place before the first production read, with issuer terms that set liability and require the issuer's own cover.
The verification score lives in the record.
Vault Score is computed off-chain from sealed documents and recomputed whenever the record changes. There is no per-asset oracle for it on the XRP Ledger: a score that must be explainable and disputable belongs in the record, with its breakdown. What the ledger is for: the daily anchor of integrity receipts - in rehearsal on the XRPL testnet today - and a pointer token that follows the Vault ID, planned for testnet after the data-protection impact assessment. Neither carries the score.
The verification score, answered.
Is a high Vault Score a good house?
No. 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. A fully documented house can still have live subsidence. A survey tells you about the building; the score tells you how well the record is evidenced.
How is a verification score different from a valuation or a credit score?
A valuation says what an asset is worth; a credit score says how a borrower has behaved. A verification score says only how well the record is evidenced: whether the documents exist, who issued them and that they are unaltered since issue. The Vault Score is published with its weights so any reader can see why a record reads 64 and not 94.
What is evidence grading?
The step where each document is scaled by the class of its issuer - Building Control 1.0, registered professional 0.9, firm 0.7, owner-provided 0.4. Document verification (the file exists and is sealed since upload) and issuer verification (who issued it, and whether their registration is confirmed) feed one number. An event whose listed professionals are none of them identity-verified is multiplied by 0.8. The identity the score attaches to is the Vault ID, the asset's digital asset identity.
Can the owner raise the score alone?
Only so far. Owner-provided evidence weighs 0.4, and an event entered as owner-provided is capped at 65, whatever its evidence. Above that, only evidence from Building Control or a registered professional moves it.
Who can see a Vault Score?
The Owner, and anyone the Owner grants a scope to - agent-buyer, insurer-surveyor and solicitor scopes are live in pilot. Every viewer sees the same number, computed from the full record; a scope only hides the documents behind it. Scopes are time-limited and opens are logged; there is no public lookup. See Verified History.
See what your record is missing.
Create the Vault for your first asset and read its verification score breakdown. For Organisations: book a demo.