RESIDENTIAL · LIVING WALLET
From sales promise to verifiable living performance.
The digital life record of a home, from design, purchase and financing through handover, operation and resale.
THE PROBLEM
A home is the largest purchase most people make, and the least evidenced.
Energy classes, comfort claims and running-cost estimates are produced for approval, not for living. After handover nobody re-checks whether the building performs the way it was sold.
THE BLIND SPOT
The gap between what a residential project promises and what it delivers is never measured, so it is never priced.
01
Developer
Cannot prove quality that was genuinely built in, so it cannot be reflected in price.
02
Buyer / occupier
Signs for decades of cost without a reliable picture of what living will cost.
03
Lender
Underwrites affordability on assumptions instead of evidenced running costs.
THE REAL VALUE OF LIVING
Not just square metres.
What matters is the real value owners and occupiers receive.
The Living Wallet links living quality to the total monthly cost.
THE NEW QUESTION
What living performance do I get for my money?
Not simply: “How many m² do I get?”
Illustrative: price €500,000 · 50% equity · loan €250,000 · 3.5% interest + 2.85% initial amortisation ≈ €1,850/month.
TOTAL COST OF LIVING
€2,380
total monthly cost
01
Mortgage
€1,850
02
Energy
€140
03
Operating costs
€310
04
Maintenance
€80
WHAT DO I GET FOR MY MONEY?
01
Indoor Comfort
Indoor quality, summer/winter comfort
02
Energy & CO₂
Consumption, cost, future readiness
03
Digital & Smart Living
Connectivity, usability, operational readiness
04
Accessibility & Safety
Access, use, resilience
OUTCOME · LONG-TERM VALUE
Evidenced quality, resale and financing
THE LIVING WALLET
One property.
One Wallet.
One verified source of truth.
One shared evidence base, with a different view for every decision across the property lifecycle.
THE EVIDENCE BASE
01
Project documents
02
Energy & MEP
03
Contracts & approvals
04
Operating costs
05
Operating data
WHAT THE WALLET MAKES VISIBLE
01
Living Performance Index
Quality & future-readiness
02
Total Cost of Living
Financing + running costs
03
Living Wallet Passport
Status, evidences, open items
04
Performance Record
Actual operating performance
THE LIFECYCLE LOOP
The Wallet grows with the building. Forecasts become verified performance.
Promised → designed → built → sold & financed → handed over → measured → verified.
01
Design
Intent captured and made testable
02
Construction
As-built deviations recorded
03
Handover
Commissioning results verified
04
Operation
Measured data replaces estimates
05
Resale
Full record transfers to the buyer
LIVING PERFORMANCE INDEX
Quality becomes measurable when coverage and evidence confidence hold.
8 categories × 12.5 points = 100 points
EIGHT CATEGORIES
100 POINTS
01
Design & Construction Quality
12.5
02
Energy & CO₂
12.5
03
Indoor Comfort
12.5
04
Operating Cost & Affordability
12.5
05
Digital & Smart Living
12.5
06
Accessibility & Safety
12.5
07
Location & Mobility
12.5
08
Resilience & Future Readiness
12.5
THREE LAYERS OF STATEMENT QUALITY
01
DESIGN SCORE
How strong is the intended quality?
02
DATA COVERAGE
Which expected evidence is available?
03
EVIDENCE CONFIDENCE
How reliable are the statements?
0/8 CATEGORIES
No reliable evidence, no category score.
PROJECT DATE
Below minimum coverage: ‘not yet assessable’.
EXAMPLE
62 points → potential 73 after prioritised measures.
METHODOLOGY
Fixed test criteria and point keys. Without evidence, a criterion stays unrated and is not counted as zero.
FROM EVIDENCE TO COMMUNICATION
Evidence determines what sales can promise, with proof.
Seven evidence levels control how technical claims may be communicated.
EVIDENCE CONFIDENCE
01
Claim
02
Design
03
Calculated
04
Contract
05
Independently checked
06
Installed & tested
IN OPERATION
Confirmed by real data
EXAMPLE: ENERGY-EFFICIENT LIVING
“The project is designed for a projected final energy demand of 43.7 kWh/m² per year.”
Source: energy concept
Status: calculated
AMBER
Usable only with the qualifier “projected”
DEVELOPER VIEW
Stop selling square metres.
Sell evidenced living performance.
Living Wallet turns quality promises into documented, approved statements.
TODAY: BROCHURE LOGIC
“High-quality specification”
?
“Sustainable energy concept”
?
“High quality of life”
?
“Modern, smart living”
?
Technical documents, cost assumptions and reports sit apart. Product strength stays hard to compare in sales.
WITH LIVING WALLET
STRENGTHS VISIBLE
Quality, cost and future readiness become comparable.
CLAIMS MADE RELIABLE
Every wording is linked to source and evidence level.
GAPS SPOTTED EARLIER
Missing evidence surfaces before marketing starts.
PROMISES TRACKED
Design is checked and verified in operation.
BENCHMARKING
The LPI positions the project against schemes of similar use, size and region. Evidenced quality becomes a sales argument.
DEVELOPER / SELLER COMMERCIAL VALUE
One Wallet connects intelligence, communication, evidence and lifecycle.
Illustrative model: 100 units · €50m GDV · €25m average development finance drawn.
ILLUSTRATIVE EARNINGS CONTRIBUTION
€1.4-1.9m
≈ 2.8-3.8% of GDV
Before operational effects
Full-scale reference case
Not plot size
EARNINGS CONTRIBUTION BY LEVER
PRICE PREMIUM
2-3%
≈ €1.0-1.5m
FASTER SALES ABSORPTION
3 months
€375k lower interim finance cost
€25m × 6% p.a. × 3/12
IMPORTANT
Price premium and faster absorption are hypotheses to be validated per project with pilot data.
Operational effects are not included. Illustrative model; no commitment to an achievable uplift.
BUYER / INVESTOR VIEW
What do I really get,
and what does it cost me in total?
The Wallet makes living performance, total cost and evidence clear at a glance.
LIVING WALLET · UNIT A-312
62 / 100
LPI Score · potential 73
€2,380
Total cost / month
EVIDENCE CONFIDENCE
3 / 7
DATA COVERAGE
68%
OPEN ITEMS
3
Illustrative Wallet view
No project-specific guaranteed values
VALUE FOR BUYER / OCCUPIER
BETTER AFFORDABILITY DECISION
Financing, energy and operating costs become visible together.
LESS DOCUMENT HUNTING
Specification, reports and contracts sit in one Wallet.
VALUABLE AFTER HANDOVER
Real performance supports operation and resale.
LENDER VIEW
An added view on quality,
cost and evidence.
Complements credit review and valuation. It replaces neither credit decision nor due diligence.
ILLUSTRATIVE MONTHLY COST
€1,850
Financing
+
€530
Running costs
=
€2,380
/ month
EVIDENCE SNAPSHOT
68%
data coverage
62 / 100
LPI Design Score
3 open items with cost impact
Illustrative: €500,000 price · 30% equity · €350,000 loan · 3.5% interest + 2.85% initial amortisation = €1,850/month
Better transparency, not an automated credit decision.
Illustrative lender view
WHY THIS MATTERS FOR FINANCING
02
Data quality
Sources, forecasts and evidence levels are stated explicitly.
03
Technical risk
Open items with cost or completion impact become visible.
04
Lifecycle evidence
Design can be reconciled with real operating data after handover.
DELIVERY
We deliver measurable value.
Intelligence + Hardware + Integration + Execution + Verification.
The Wallet does not stop at documents and scores. It reaches actual operating performance.
02
HARDWARE
IoT / sensors
Smart metering
Gateways
03
INTEGRATION
BMS / BACnet
Existing systems
Open interfaces
04
EXECUTION
Commissioning
Optimisation measures
Local partners / FM
05
VERIFICATION
Monitoring
MRV & evidence
Verified LPI
We do not only show what should improve.
We make it measurable, actionable and later verifiable.
RESIDENTIAL WHITE PAPER
From sales promise to verifiable living performance.
Explore how the Living Wallet connects designed quality, total cost and lifecycle evidence in one reliable information base.
Living Performance Index
Total Cost of Living
Lifecycle evidence
Residential · Living Wallet
FIRST PROJECT
A PRACTICAL FIRST STEP
Turn one residential project into a clear starting point.
Begin with the project information already available. We will identify what can be verified, where the gaps are and what the most practical next step should be.
NO UPFRONT FEE · NO OBLIGATION
PREFER TO EXPLORE FIRST?
FREQUENTLY ASKED QUESTIONS
The essentials, before we talk.
Four practical questions about assessing residential performance and evidence.
Can the assessment begin before the building is complete?
What information is needed to get started?
Does the Living Performance Index guarantee actual performance?
Can the Living Wallet remain with the property after handover?