All insights

Energy Performance Is Becoming Credit Information: What Mortgage Lenders Need to Record

The ECB’s July 2026 bank lending survey shows that energy performance and physical climate risk are already influencing housing credit standards and demand. For lenders and asset managers, the practical lesson is that a mortgage-related asset needs a current, source-backed record of the loan, property, valuation, energy performance, physical risk and later changes—not only the original mortgage documents.

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Collateral Is Not Static: What the ECB’s New Climate Factor Means for Secured Credit

The ECB is extending climate factors to certain non-financial corporate credit claims used as Eurosystem collateral. The decision is a useful reminder for lenders: collateral value, borrower risk and supporting evidence can change after origination, so a secured-loan record should remain current and reviewable throughout its lifecycle.

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From Clay Tablets to Asset Passports: Why Trusted Records Still Matter

From ancient clay accounts to digital Asset Passports, the medium has changed but the essential questions remain: who are the parties, what was agreed, which evidence supports it and what changed later?

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Trading Is Not Settlement: The Infrastructure Behind a Market Transaction

Agreeing a transaction is only one step. Asset records, identity checks, clearing, settlement, payment and messaging perform different functions before ownership and obligations can be treated as completed.

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The Missing Layer Between Documents and Markets

Many assets do not reach a market because the rights, restrictions and evidence behind them remain fragmented across documents and systems. A structured Rights Passport can help bridge the gap without pretending that digitisation, tokenisation or a private record automatically creates ownership, transferability or liquidity.

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When Software Can Act, Who Is Responsible? The Case for an AI Agent Passport

As AI agents gain access to tools, data and business workflows, organisations need to know which agent is acting, who controls it, what it may do and which rights apply. An AI Agent Passport could provide a structured, versioned and auditable record without treating the agent as a person or a security.

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What Is an Intellectual Property Depository—and What Could It Change?

An intellectual property depository can organise IP documents, ownership evidence, licences, assignments and review records. Learn what DaDepo supports today, what may develop next, and why official registries and legal review still matter.

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What Can Third-Party Verification—and What Can It Not—Confirm?

A third-party check is only as broad as its defined scope. Learn what identity, registry, signature, financial, valuation and technical checks may confirm—and which conclusions still require separate review.

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From Contract Documents to Structured Data: What Digitisation Changes—and What It Does Not

Turning contracts into structured data can improve search, comparison, traceability and review. It does not automatically prove authenticity, change legal rights, create transferability or make the information correct.

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Ownership, Licensing and Assignment: What Do the Documents Show?

Ownership, permission to use an asset and transfer of ownership are different legal concepts. Learn which documents may support each position, what reviewers should look for and which questions still require professional assessment.

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Claim Amount Is Not the Same as Asset Value

A claim may have a stated or calculated amount, but that figure is not automatically its value or likely transaction price. Learn how to distinguish the key figures and present them with appropriate context.

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What Is an Asset Passport?

A practical explanation of how an Asset Passport turns scattered documents and key facts into a structured, review-ready overview.

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