4 Data Dimensions:
A Holistic Approach
to Home Finance
Traditional home financing models rely on static data — credit scores, property values, and outdated financial risk models.
Our Mission:
Unified Synthesis of Multifaceted Home Data Streams
SmartLayer’s Smart Home Data Grid introduces a 4D Data Model, integrating financial, energy, IoT, and behavioural insights to create a holistic home-finance-lifestyle ecosystem.
Smart IoT – Real-Time Insights for Smarter Home Finance
Open Energy – The True Cost of Homeownership
Open Banking – Financial Intelligence for Smarter Homeownership
User-Generated Data – The Power of Adoption & Adaptation
Home Score
The Home Score is an AI-powered rating that evaluates a property’s overall quality, livability, and long-term value. Unlike traditional assessments that focus only on location and size, the Home Score incorporates real-time data to provide a more accurate and dynamic valuation.
Efficiency Score
The Efficiency Score measures a home’s energy performance, sustainability, and cost-effectiveness. It helps homeowners, lenders, and buyers understand how efficiently a property operates, influencing both utility costs and mortgage terms.
Holistic Financial Ecosystem
for
Future of Homeownership
Much like traditional medicine has shifted toward holistic treatment, SmartLayer’s Smart Home Data Grid enables a new generation of home-finance-lifestyle banking products.
Instead of treating housing as a static financial asset, banks can now offer:
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Dynamic mortgage rates based on real-time home performance - unified insights.
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Integrated home finance & utility optimization that reduces household spending.
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Sustainability-driven lending & insurance that aligns with modern lifestyle choices.
Let the numbers speak for themselves
20T
TAM
3.6B
SAM
180M
SOM
56
Data points
3
Industry Awards
The first real-time credit bureau for smarter home finance, powered by
open data.
