Panoperty is a lender-facing transaction review platform powered by Liquidity Radar, our AI transaction model.
Built for Irish residential transactions.
Transaction Review is the core lender workbench. Market Centre Review is the supporting transaction-context layer beneath it.
The core lender workbench. Run a transaction review on any Irish residential property transaction and get a governed, exportable output covering exit value range, disposal window, and three signal scores.
Directional transaction activity context for Irish residential market centres. Supporting context only — not a substitute for transaction-level review.
Liquidity Radar is Panoperty's proprietary inference engine. It processes live transaction behaviour and market-centre activity context to answer one question: can this transaction clear, when, and at what level?
Panoperty is designed to go into a bank credit file without embarrassment. The governance infrastructure exists before the first live deployment.
Every release carries a model stack version, code commit, and routing signature. Behaviour-impacting changes require a changelog entry. No silent updates.
Held-out blind evaluation with leakage controls. Per-case output files, segmented summary, and interpretation notes with explicit caveats accompany every governed run.
Support and confidence are kept separate from provenance. Calibration updates show before and after reliability buckets with explicit midpoint stability documentation.
Every report carries run version, supersession trail, prepared-for attribution, staleness indicator, and an explicit liability cap in the disclaimer. Copyright owned by Govalgo Ltd.
Cache-first architecture. No direct end-user database access. Transient image processing — raw files discarded, only derived semantic outputs retained. Role-based access control.
Structured closure data — sale agreed date, sold date, achieved price, resolution type — stored per case and version-controlled. Foundation for a governed learning loop.
The primary use case is residential collateral review for serviced, stressed, bridge, and recovery-linked loans. The market context layer serves a broader institutional audience.
Run a transaction review on any Irish residential transaction in the book. Get a governed output covering exit value range, disposal window, and three signal scores — in a structured report that can go directly into the credit file.
Recoveries teams, restructuring desks, and special situations reviewers. Assess whether a residential transaction has credible exit support, at what range, on what timing, and with what confidence — before committing to a strategy.
Reserve-setting, LTV stress testing, and collateral portfolio monitoring. Market Centre Review provides directional transaction context across Irish residential market centres as a supporting intelligence layer.
Forward-looking transaction behaviour signals across Ireland residential. Supply, demand, and imbalance indicators. API and MCP entitlements available at higher tier for integration into existing investment infrastructure.
Request access to the Panoperty platform. Institutional enquiries prioritised.