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Product

Property collateral monitoring at portfolio scale

Panoperty records buyer behaviour around every property securing your residential book, holds the readings as a history, and tells your team when a condition you set is met.

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Portfolio ingestion

A signed-in user from your organisation uploads the tape. Each row is accepted or rejected with a reason, such as a missing identifier, an invalid Eircode or a duplicate exposure, and row counts and exposure totals are reconciled before the snapshot is committed.

Uploading the same file again for the same as-of date returns the existing snapshot. We provide the full data specification at onboarding.

What the tape needs
Field Use
Exposure identifier Required. Unique within the snapshot.
Property identifier Recommended. Links the same property across successive tapes.
Address or Eircode At least one is required.
Property location Required. Properties that cannot be located are not monitored.
Loan exposure Required. EUR.
Collateral value and valuation date Retained as lender-supplied records.
Property characteristics Recommended. Used to find comparable activity.
Portfolio as-of date One per tape.

Continuous observation

Panoperty measures buyer behaviour around each located property from proprietary residential market and buyer-behaviour data. Observations are refreshed on a continuous cycle, currently about every six hours. Every reading is stored with the window it covers, a description of the comparator activity behind it, how much activity that was, and the time it was taken.

Readings are appended rather than overwritten, so a property builds a history. Where there is too little activity to support a reading, Panoperty withholds it and says so.

Conditions you set

Your team decides what is worth hearing about: which measured behaviour to follow, at what level, and for which part of the book. Panoperty deliberately ships no default threshold, because there is no validated level at which observed behaviour means something about a particular lender's collateral.

Conditions are versioned, so you can show what was being monitored at any date, and by whom it was set.

Alerts and investigation

When a condition is met, Panoperty raises an alert against that property and tells your team. The alert stays open while the condition holds and closes when it no longer does, and every change is recorded.

Opening the alert shows the readings behind it and the history before it. What follows is your analyst's call: nothing is escalated, revalued or actioned by Panoperty.

Property under investigation Synthetic data
SYN-0417 Semi-detached · 3 bed · Dublin 7
Condition met
Your condition
A lender-defined condition is met. It is a prompt to inspect the observations, not Panoperty's conclusion.
Alert
Open
Observations
Sufficient. Current observation, history and context are available to inspect.
Last observed
2026-09-22 06:00
Next step
Your analyst reads the observations and decides what, if anything, follows.
Synthetic example of the investigation view. Panoperty states what it observed, not what it means.

The portfolio view

Move from the portfolio to a property and inspect the observations, their history, the observation window, evidence sufficiency and provenance. Conditions and alerts remain visible in that context.

Portfolio monitoring As at 2026-09-22 Synthetic data
Property Location Your conditions Current observation Observation window Evidence Provenance
SYN-0417 Semi-detached · 3 bed Dublin 7 Condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-1022 Apartment · 2 bed Dublin 8 Condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0088 Terraced · 3 bed Dún Laoghaire No condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0310 Terraced · 2 bed Swords No condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0631 Detached · 4 bed Blackrock No condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0954 Semi-detached · 4 bed Co. Leitrim Not monitored No observation released Current observation window Insufficient Insufficient evidence recorded
  1. SYN-0417 Semi-detached · 3 bed · Dublin 7
    Condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  2. SYN-1022 Apartment · 2 bed · Dublin 8
    Condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  3. SYN-0088 Terraced · 3 bed · Dún Laoghaire
    No condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  4. SYN-0310 Terraced · 2 bed · Swords
    No condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  5. SYN-0631 Detached · 4 bed · Blackrock
    No condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  6. SYN-0954 Semi-detached · 4 bed · Co. Leitrim
    Not monitored
    Current observation
    No observation released
    Evidence
    Insufficient
    Provenance
    Insufficient evidence recorded
Synthetic records. A condition being met is an alert for investigation, not a conclusion about the property.

Panoperty does not choose which property deserves attention. Your team interprets the alert and decides what, if anything, follows. Why

Reports and audit

A report over any period you choose shows what the portfolio looks like now and, separately, what was observed during the period. It reads the stored history; generating one calculates nothing and changes nothing.

What a reviewer can reconstruct

  • The snapshot each figure came from
  • Every reading held for a property, as it was taken
  • The conditions in force at the time, and their versions
  • When an alert opened, changed and closed

What Panoperty does and does not do

Panoperty does

  • Keep your collateral value as the value of record
  • Keep lender-supplied collateral records alongside observations
  • Observe buyer behaviour around each property, continuously
  • Hold every reading as a history you can audit
  • Alert you when a condition you set is met
  • Show where there is too little activity to support a reading

Panoperty does not

  • Panoperty does not value or revalue property
  • Draw a conclusion about a market or collateral value
  • Estimate future property values, losses or defaults
  • Choose the order in which your team investigates
  • Take credit actions or require revaluations
  • Establish that your institution meets Article 208

The detailed methodology is available privately, under confidentiality, during due diligence. How to request it

See your own portfolio under monitoring

An assessment shows how much of your residential book has enough activity to monitor, and what your team would see.

Request a portfolio assessment Read the methodology