COMMERCIAL WALLET
Every asset needs a Wallet.
A continuously updated digital identity that connects building data, operational performance and financial decisions, for owners, tenants, lenders and buyers.
THE SHIFT
The asset has become a live data product.
AI turns annual assessments into continuous performance intelligence.
Yesterday
Annual snapshot
Today
Continuous evidence
Finance
Live intelligence
Buildings become continuously priced assets.
INSIDE THE WALLET
One asset. One verified intelligence layer.
Operational, ESG, financial, commercial and management information, connected in one continuously updated identity.
Operational
Energy · HVAC · IoT · faults · optimisation
ESG
CO₂ · CRREM · EPBD · taxonomy · certificates
Financial
NOI · OPEX · DSCR · LTV · financing
Commercial
Tenants · leases · occupancy · Green Lease
Management
Actions · maintenance · evidence
Commercial Wallet
Verified Asset Intelligence
One source of truth
One performance history
One asset story
FROM METER TO MARKET
Building data becomes business intelligence.
The platform connects building data to business intelligence and capital markets.
01
DATA
BMS · Meters & IoT
Energy · Leases & docs
02
INTELLIGENCE
AI & FDD · Baselines
Benchmarking · Prediction
03
ACTION
Setpoints · Control
Recommendations · Automation
04
BUSINESS INTELLIGENCE
NOI & OPEX · CO₂ & CRREM
DSCR / LTV · Tenant economics
05
WALLET / MARKET
Financing · Valuation
Green Lease · Transaction
From meter
Intelligence
Wallet
Market
SHARED EVIDENCE
One asset. One verified data layer.
Different stakeholders use the same evidence for different decisions.
Asset + Wallet
One shared foundation
Verified operational history
Owner / Asset manager
Prioritise measures • Protect NOI • Prove management quality
Tenant
Understand consumption • Verify savings • Share benefits
Lender
Underwrite transition risk • Track covenants • Price debt
Buyer / Valuer
Assess resilience • Reduce diligence friction • Price quality
The result
Continuous due diligence, instead of repeated due diligence.
THE SPLIT INCENTIVE
The Wallet solves the split incentive.
Green Lease becomes an economic mechanism, not a clause in a PDF.
Without the Wallet
Owner invests
but cannot continuously prove the operating impact
Tenant pays energy
but lacks a shared baseline and benefit logic
Green clause exists
but evidence stays fragmented across systems
Wallet
With the Wallet
1
Baseline
Agreed operational baseline
2
Actual
Measured consumption & performance
3
Verify
MRV normalises and validates
4
Share
Savings become contractually allocable value
Owner, tenant, asset manager and lender, aligned on the same numbers.
MEASUREMENT & VERIFICATION
MRV turns performance into financial evidence.
Measure, report, verify, register, monetise.
The evidence layer
MRV
Operational performance
Financial evidence
Meter to balance sheet
01 Measure
02 Normalise
03 Verify
04 Register
05 Monetise
From meter to balance sheet
MRV is what makes operational performance bankable.
Traditional value
Rent increases
·
Capex-heavy repositioning
·
Market timing
Slow · uncertain · capital-intensive
Operational value
Energy & OPEX reduction
·
CO₂ monetisation
·
Financing benefit
·
Management quality
Immediate · measurable · scalable
FROM RENT + CAPEX
TO VERIFIED PERFORMANCE
ILLUSTRATIVE CASE · 50,000 M² RETAIL ASSET
Operational performance creates multiple monetisation channels.
Illustrative workcloud24 model. Carbon, certificate and financing benefits depend on local eligibility, pricing and lender terms.
Operating assumptions
300
kWh / m² / year · current energy use
€0.25
per kWh · assumed energy price
120
kWh / m² · savings potential
40%
reduction · operational potential
+€1.5m
Energy / OPEX
reduced consumption and operating cost
+
+€0.9m
CO₂ / certificates
illustrative monetisation potential
+
+€2.3m
Financing / liquidity
illustrative margin, DSCR and LTV effect
=
+€4.7m
illustrative liquidity effect
No owner-funded capex assumed in the operating savings case.
ILLUSTRATIVE LIQUIDITY BRIDGE
Same building. Same tenants. More liquidity.
Using the same assumptions as the illustrative case.
Illustrative workcloud24 case model, not a forecast.
The result
+€4.7m
illustrative additional liquidity effect
Potential asset-value protection or premium is not included in the bridge.
Operational performance converts hidden efficiency into measurable financial capacity.
THE CLOCK HAS STARTED
Where to start, at what return, and how to finance it?
The question is no longer whether assets need to improve.
2026
EBA ESG risk guidelines
Applicable from 11 Jan 2026
2026
EPBD transposition
29 May 2026 · deadline passed
2030
16% worst-performing
non-residential buildings
2033
26% worst-performing
non-residential buildings
Sustainability is becoming a baseline, not a premium.
Non-compliant buildings are increasingly expected to carry a pricing discount.
Performance protects liquidity.
Transition planning
You cannot prioritise a transition plan with an EPC alone.
You need continuous asset intelligence.
FREQUENTLY ASKED QUESTIONS
The Wallet, clearly explained.
Four practical questions about the workcloud24 Wallet.
What is the workcloud24 Wallet?
What information does the Wallet connect?
How does performance become financial evidence?
Who can use the evidence held in the Wallet?