NestCode is an open standard that defines how property data is structured, shared, and verified — maintenance history, documents, governance records, and a single health score. One format that works for housing societies, banks, insurers, and AI systems alike.
| Data layer | What it contains | RFC | Who reads it |
|---|---|---|---|
| Identity | NestCode ID (SHA-256 of geocoded address), building name, address, type, year built, total units | RFC-0001, 0008 | All consumers |
| Assets & Devices | Lifts, generators, pumps, CCTV, fire systems — each with serial, last-service date, warranty expiry, IoT health status | RFC-0002, 0003 | Maintenance teams, insurers |
| Documents | Sale deed, RERA certificate, OC, CC, building plan, NOC (bank / fire / airport), insurance policies, encumbrance certificate — 28 document types | RFC-0004, 0037 | Banks, lawyers, buyers |
| Legal & Revenue | Title chain, mortgage liens, power of attorney, advocate-attested documents with bar council ID, Khata (Karnataka), Pattas (TN), property tax assessment, zone classification, FSI/FAR | RFC-0037, 0038 | Banks, government, lawyers |
| Residents & Staff | Household profiles (PII-isolated), tenancy records, staff roster, background-verified credentials (W3C VC) | RFC-0005, 0021, 0031 | Society management, security |
| Financial history | Maintenance charge ledger, due/paid history per unit, utility dues, penalty record, escrow balance, ISO 20022 payment messages | RFC-0006, 0014 | Banks, auditors, buyers |
| Governance | AGM minutes, poll results, board elections, bylaw amendments — HMAC-chained, quorum-verified, regulator-queryable | RFC-0018, 0023 | Regulators, residents, courts |
| Operations | Work orders, complaint lifecycle, gate passes, parcel custody, vehicle registry, facility bookings, emergency protocol, helpdesk SLA | RFC-0024–0029 | Society management, residents |
| Predictive data | NestBrain ML failure-probability scores per asset, maintenance forecasts, community benchmarks against comparable buildings | RFC-0030 | Insurers, maintenance vendors |
| NestScore™ | Computed health score 0–1000, factor breakdown, score history, band classification | RFC-0014 | Banks, insurers, buyers |
| # | Factor | Weight | What raises the score | What lowers the score |
|---|---|---|---|---|
| F1 | Maintenance Compliance | 35% | AMC coverage across all major assets, work orders closed within SLA, no overdue preventive schedules | Open work orders past SLA, expired AMC contracts, assets with no service record in 12 months |
| F2 | Financial Obligations | 25% | Zero outstanding maintenance dues, utility charges settled monthly, no pending penalties | Dues outstanding >30 days for any unit, partial payments, penalty accumulation |
| F3 | Document Completeness | 20% | All 28 document types present and not expired, critical documents (OC, RERA, title deed) verified | Missing or expired documents, especially OC / RERA cert / fire NOC / insurance |
| F4 | Asset Condition | 12% | IoT sensors reporting healthy, assets within warranty, energy efficiency certificates current | IoT devices past calibration date, assets outside warranty with no replacement plan |
| F5 | Governance Compliance | 8% | AGMs held on schedule, quorum met, bylaws registered, election records present | Missed AGMs, no quorum record, society operating under lapsed bylaws |
| Band | Score range | Meaning | Practical benefit |
|---|---|---|---|
| Poor | 0 – 250 | Significant document, dues, or maintenance gaps | Loan applications likely rejected; insurance rated at maximum premium |
| Fair | 251 – 450 | Partial compliance; some documents or dues outstanding | Limited financing options; insurers may request physical inspection |
| Good | 451 – 650 | Core requirements met; minor gaps remain | Standard mortgage terms; moderate insurance premium |
| Excellent | 651 – 850 | All documents verified; dues clean; maintenance on schedule | −12% insurance premium (pilot); bank pre-approval within one business day |
| Elite | 851 – 1000 | Predictive maintenance, IoT-monitored, governance exemplary | 4-hour bank pre-approval; best available insurance rates; smart-city integration |
| Audience | Primary use case | What NestCode enables | Key RFCs |
|---|---|---|---|
| Housing Society (RWA) | Day-to-day operations: maintenance, governance, collections | Machine-readable AGM records, automated dues tracking, predictive asset maintenance schedules, gate pass and parcel management, society governance audit trail | 0023, 0018, 0030, 0025 |
| Builder / Developer | Handing over a completed project to a society | RFC-0034 Property Handover Protocol: standardised snag list with photo hashes, defect liability period tracking, OC milestone verification, common-area inventory schema that both parties sign off on | 0034, 0004, 0015 |
| Bank / NBFC | Loan against property, mortgage, project finance | Single API call returns maintenance compliance, full document set, dues history, and NestScore. Elite band → 4-hour pre-approval. Eliminates physical document collection for standard LAP transactions | 0014, 0004, 0037, 0010 |
| Insurer | Property and society insurance pricing | Live NestScore replaces questionnaire-based underwriting. Predictive maintenance data reduces claim frequency estimates. RFC-0030 NestBrain failure probability feeds directly into actuarial models | 0014, 0030, 0027 |
| Resident / Buyer | Verifying a property before purchase or tenancy | Read-only consent-scoped access to NestScore, document status, dues history, and governance records. Portable rental credit score (RFC-0021) moves with the tenant across properties | 0010, 0014, 0021 |
| Government / ULB | Property registration, municipal records, smart-city data | NestCode ID printed on title deeds creates a permanent machine-readable link. RFC-0022 Smart City Aggregate provides anonymised urban metrics (k-anonymity ≥50). RFC-0038 aligns with Khata, property tax, and municipal record schemas | 0008, 0022, 0038 |
| AI Agent / PropTech | Answering questions about any property in natural language | RFC-0011 MCP Tool Registry: 10 standard tool shapes that work identically on Claude, GPT-4o, and Gemini. One implementation covers all compliant platforms. Real property context, not stale training data | 0011, 0017, 0036 |
NestCode is defined by 38 open Request for Comments documents, governed by SeekYourNest Technologies and an open contributor community. The standard is released under Apache 2.0 — free to read, implement, fork, and build upon. Certification is self-attested at Level 1 at no cost.
| RFC | Title | One-line summary |
|---|---|---|
| RFC-0001–0007 | Digital Twin Core | Canonical entity schemas: Home, Assets, Devices, Documents, People, Financial Aggregates, Property Passport |
| RFC-0008 | NestCode ID | SHA-256 of geocoding-normalised address. Self-computable. Format: hin:v1:{CC}:{32hex} |
| RFC-0010 | Consent & Data Exchange | EdDSA consent tokens, 20-scope vocabulary, 60-second revocation. Governs every data share between parties |
| RFC-0014 | NestScore™ | Property health score 0–1000. Five weighted factors. ISO 20022 payment message integration for financial layer |
| RFC-0015 | Verifiable Credentials | did:opentwin DID method. W3C VC 2.0 and SD-JWT. Enables EUDI Wallet compatibility and W3C Verified Issuer status |
| RFC-0018, 0023 | Community Twin & Governance | Society structure, bylaws, shared infrastructure. AGM, elections, polls: all HMAC-chained and regulator-queryable |
| RFC-0021 | Rental & Tenancy | Full tenancy lifecycle. PII-isolated tenant profiles. Portable rental credit score that moves with the tenant |
| RFC-0030 | Predictive Maintenance | NestBrain ML failure-probability output schema. Community benchmarks. AI-generated ops digest format |
| RFC-0034 | Property Handover | Builder-to-society transition: snag list with photo evidence hashes, defect liability period, OC milestone tracking |
| RFC-0037 | Legal & Encumbrance | Title chain, EC, mortgage lien, POA, advocate-attested documents with bar council ID + digital signature, notarisation proof |
| RFC-0038 | Municipal Records & Revenue | Khata (KA), Pattas (TN), property tax assessment, NA order, zone classification, FSI/FAR, building completion certificate, CLU |
| RFC-0011 | MCP Tool Registry | 10 standard AI tool shapes. One implementation works on Claude, GPT-4o, Gemini. Real property context for every query |
Full corpus of all 38 RFCs with schemas, conformance tests, and SDK references: nestcode.seekyournest.com
Any housing society can create a NestCode twin on SeekYourNest at no cost. Your building gets a NestCode ID, a live NestScore, and a digital passport that banks and insurers can read directly — no paperwork, no third-party verification calls.
Level 1 certification is self-attested and free. Implement RFC-0001–0007, run the open-source conformance suite, and display the NestCode Compatible badge. TypeScript and Python SDKs available. Kotlin, Swift, Java, Go, and Rust bindings in progress.