Blockchain encrypted secure digital conveyancing platform
Blockchain encrypted secure digital conveyancing platform
批准号:
10045054
负责人:
金额:
$25.86万
依托单位:
依托单位国家:
英国
项目类别:
Collaborative R&D
财政年份:
2023
资助国家:
英国
项目状态:
已结题
起止时间:
2023 至 --
中文摘要
众所周知,英格兰的房产转让制度存在缺陷,流程需要8-12周,比苏格兰长4周(MCHLG-2018)。30%的房地产销售在完工前失败(MHCLG-2019),英国购房者每年损失6.07亿英镑(Wiggywam-2019)。在国际上,尽管英国总体排名第8位,但在世界银行2020年营商指数中,英国的注册财产排名第41位。对于传送带人来说,英语系统的复杂性和不连贯性造成了一系列问题,这使得高效、透明的流程导航变得具有挑战性。核心问题是买家(和贷方)需要所有必要的信息来继续他们的购买。目前,核心数据是通过问卷产生的,卖家在没有支持或法律理解的情况下完成问卷,错误、差距或不足需要在整个法律过程中慢慢发现。再加上通过第三方进行耗时的人工搜索,进一步拖慢了程序。MCHLG 2018年改善购房流程审查确定了缺乏技术采用是如何支撑许多这些问题的。审查注意到纸质系统如何占主导地位,限制了信息检查和嵌入重复的数据请求。挑战在于解决数字数据安全问题,律师们认为这是他们技术沉默的基础,同时为现有API网关提供重要的可访问性和文档整合改进。PreConvey正在创建首个端到端智能产权转让支持平台,该平台可以将产权转让时间缩短50%,将产权转让公司的成本降低70%。在区块链加密的支持下,它创建了一个智能的、可访问的用户体验中心,安全、可共享的购房包。该系统通过新兴的API存储库和第三方ID/财务检查自动提取信息,创建下一代转让包;在一个安全的环境中明确强调法律问题(以及解决问题的法律选择,例如购买赔偿),这将改变房地产交易的处理速度。
英文摘要
The English conveyancing system is famously flawed, with an 8-12 week process, 4 weeks longer than in Scotland (MCHLG-2018). 30% of property sales fail before completion (MHCLG-2019) costing UK homebuyers £607m p.a. (Wiggywam-2019). Internationally, despite an overall ranking of 8th, the UK ranks 41st for registering property in the World Bank's Doing Business Index 2020\.For conveyancers, the complexity and disjointedness of the English system has created a suite of problems which make efficient, transparent navigation of the process challenging. The core issue is that buyers (and lenders) require all necessary information to proceed with their purchase. Currently the core data is generated via questionnaires which sellers complete without support or legal understanding, with errors, gaps or insufficiencies needing slow unpicking as they are discovered across the legal process. This is compounded by time-consuming manualised searches via 3rd parties which further slow proceedings.The MCHLG 2018 Improving the Home Buying Process review identified how a lack of technology adoption underpins many of these problems. The review noted how paper systems dominate, limiting information checking and embedding duplication of data-requests. The challenge is to address the digital data-security concerns which solicitors cite as underpinning their technological reticence while offering significant accessibility and document consolidation improvements to existing API gateways.PreConvey are creating the first end-to-end smart conveyancing support platform which reduces conveyancing time by 50% and cost to conveyancers by 70% per case. Underpinned by blockchain encryption it creates secure, shareable homebuying packs with a smart, accessible UX hub.The system creates next-generation conveyancing packs with information pulled automatically via emerging API repositories and third-party ID/financial checks; clearly highlighted legal concerns (and embedded legal options to address issues, e.g. purchasing indemnities) within a secure environment which will transform the processing rate of property transactions.
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