The IC terminal for KSA real estate.
One underwriting surface that takes a parcel from intake to signed memo — with reproducible math, tamper-evident audit, and committee-grade governance baked in.
Intake → Committee → Memo
Six surfaces, one project spine.
Each stage inherits inputs from the last. Change the zoning assumption on stage 1 and every downstream scenario / memo paragraph updates with an explicit audit footprint.
1 · Project intake
Parcel + zoning + market intel come in on one screen. Every data chip shows source, freshness, and provider mode.
2 · HBU comparator
Three side-by-side program mixes. GFA, capex, absorption, IRR, MOIC, liquidity score. Sticky labels, 27" monitor.
3 · Scenarios
Base / down / up and a Monte Carlo fan chart in SAR. Tornado and waterfall for sensitivity.
4 · Risk library
Construction, market, regulatory, liquidity. Quantified likelihood × impact, mitigation owner, review cadence.
5 · Memo composer
Notion-style single-column writing surface. Versions diff side-by-side. Export to signed PDF.
6 · Approvals
Kanban + decision history. Committee votes logged in the hash-chained audit ledger.
Why committees trust it
Reproducible math. Tamper-evident trail. PDPL-ready.
ARIA treats every calculation as a first-class object. Inputs, outputs, model version, and analyst annotations are hash-chained into the audit ledger so an investor review board can verify how a memo was produced — not just what it said.
- Every number is snapshot-stamped — you can regenerate the exact memo a year later from the same inputs
- Hash-chained audit trail per ADR 0005 — tamper-evident across promotion windows
- Multi-tenant with Postgres RLS — cross-committee confidentiality from day one
- Native Arabic + RTL parity. Native-reviewer signoff before Beta
- SAMA/CMA posture toggle + ZATCA-compliant invoice footprint (Live phase)
3 + Monte Carlo
Scenarios per project
Up to 4 side-by-side
HBU options
4 × 5 matrix
Risk taxonomy
Signed PDF · EN/AR
Memo export