Credit for businesses: certified property appraisals with digital evidence

Document the actual condition of collateral properties with certified timestamps, verified GPS coordinates and tamper-proof data from the moment of inspection.

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When a bank extends credit to businesses secured by real estate, the property appraisal is the cornerstone of the underwriting process. The problem starts at the source: photographs and videos collected by the appraiser during the on-site inspection lack certified timestamps, verified geolocation and integrity guarantees. Banks and lending institutions remain exposed to documentary fraud, inflated valuations and non-compliance with EBA Guidelines on Loan Origination, the CRR3 framework and international valuation standards. TrueScreen enables real-time acquisition and certification of evidence during the property inspection: photos, videos and documents are sealed with a qualified timestamp, verified GPS coordinates and a digital seal. The result is an appraisal file with legal validity, fully auditable and ready for integration into loan origination workflows.

EUR 108.8 Bn

Mortgage loans originated in Italy in 2024

Agenzia delle Entrate

~130,000

Annual property appraisals by CRIF RES alone

CRIF RES

+21.5%

YoY growth in real estate lending 2024

Agenzia delle Entrate

Industry

Banks, lending institutions, property valuation firms

Business function

Loan Origination, Risk Management, Compliance

Key process

Property inspection and appraisal for credit origination

Certified content

Property photos and videos, technical documents, inspection reports, appraisal files

Output

Certified documentation and reports with legal validity

Adoption mode

App / Web / API / SDK

Needs and challenges

  • Inspection photos and videos lack certified timestamps or verified geolocation

  • Risk of inflated appraisals based on outdated or manipulated photographic evidence

  • Lengthy underwriting timelines due to document requests and manual verifications

  • Uncertain compliance with EBA Guidelines, CRR3 and international valuation standards

  • Unstructured appraisal files that are difficult to audit and preserve over time

Perito immobiliare durante sopralluogo con tablet per perizia immobiliare certificata credito
processo

Solution

With TrueScreen, the property inspection becomes a certified acquisition process. The appraiser uses the app to collect photos, videos and documents directly on-site: every piece of content is sealed with a qualified timestamp, verified GPS coordinates and a digital seal that guarantees its integrity. The system verifies the operator is physically present at the property and detects screen reproduction attempts. The resulting appraisal file carries legal validity under the eIDAS Regulation and is structured for direct integration into the bank’s loan origination process.

What gets certified

Property photographs

Interior and exterior shots with certified GPS and timestamps, documenting the actual condition of the property

Inspection videos

Panoramic and structural detail recordings with continuous geolocation, available for remote verification

Technical documentation

Floor plans, cadastral records, energy certificates and compliance documentation acquired during the inspection

Reports and appraisal files

Field reports completed on-site with the appraiser’s digital signature and qualified timestamp

Expected benefits

  • Every piece of inspection evidence is tamper-proof and traceable from acquisition

  • Demonstrable compliance with EBA Guidelines, CRR3 and international valuation standards

  • Shorter underwriting timelines thanks to pre-structured and complete appraisal files

  • Fraud prevention through certified GPS geolocation and reproduction detection

  • Appraisal file with legal validity enforceable in court and regulatory audits

Business function TrueScreen benefit
Loan Origination Pre-structured appraisal files with all required data, fewer integration requests
Risk Management Tamper-proof evidence with GPS and timestamps reduces the risk of collateral overvaluation
Compliance Demonstrable adherence to EBA Guidelines, CRR3 and eIDAS Regulation
Appraisal network / Valuation firms Standardized process across every inspection, professional protection with proof of on-site presence
Internal Audit Complete digital chain of custody, every piece of evidence traceable and verifiable over time

Partners

Property valuation firms, surveying practices and professionals registered with appraisal boards, independent valuation networks. TrueScreen integrates into the partner’s workflow without changing their operating methodology.

Integrations

Loan Origination Systems, credit management platforms, core banking systems, automated valuation platforms, document management and compliant archiving software.

Related use cases

FAQ

1) Does certified evidence carry legal validity in banking proceedings?
Yes. Content certified with TrueScreen includes a qualified timestamp and digital seal compliant with the eIDAS Regulation, providing evidentiary weight recognized across EU jurisdictions and internationally under UNCITRAL frameworks.
2) How is it verified that the appraiser actually conducted the on-site inspection?
Certified GPS coordinates and operator identity are recorded with every acquisition. The system also detects screen reproduction attempts, blocking the use of non-original photographs.
3) Can the appraisal file be integrated into existing banking systems?
The certified output includes a readable PDF report, structured JSON data and an XML file with a qualified seal. These formats are compatible with major Loan Origination Systems and underwriting platforms.
4) Does TrueScreen support compliance with EBA Guidelines and CRR3?
Certification at source, complete traceability and structured preservation meet the collateral documentation and monitoring requirements set out in EBA/GL/2020/06 and CRR3.
5) Can TrueScreen be used for periodic collateral monitoring?
Yes. The same certified acquisition methods apply to the periodic inspections required to monitor collateral value and condition throughout the life of the loan.
6) How long does it take to adopt TrueScreen in the appraisal process?
The app runs on standard mobile devices with no dedicated hardware. Appraisers can start certifying inspections from their very first use.

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