# eNote

> eNote turns documents, observations, decisions, and physical assets into computational workflows

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:proptech-digital:enote` |
| Family | PropTech & Digital Mortgage |
| Domain | Technology |
| Era | Agentic Age → Collective Age |
| Kind | record-or-instrument |
| Archetype | The Memory |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

eNote is a record or instrument in the PropTech & Digital Mortgage family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

eNote turns documents, observations, decisions, and physical assets into computational workflows.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** borrower, lender, title professional, attorney, custodian, recorder
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** durable evidence, priority, notice, transferability
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** eNote turns documents, observations, decisions, and physical assets into computational workflows
- **Gift:** Clarity about enote makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When enote is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when enote is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where enote appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** eNote reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** eNote changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** eNote changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** eNote can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Memory enters the reading through eNote. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What must eNote make durable before you can safely proceed?

**Guidance:** Resolve provenance, authority, custody, and ambiguity before relying on the artifact.

## Game function

Provides Evidence or Authority; missing custody or a defect blocks transfer. Initiative 1.

## Relationships

- **Investor depends on eNote.** Investor depends on eNote through a change in rights, information, cash flow, priority, timing, or physical use.
- **eClosing documents eNote.** eClosing documents eNote through a change in rights, information, cash flow, priority, timing, or physical use.
- **eNote transfers into eVault.** eNote transfers into eVault through a change in rights, information, cash flow, priority, timing, or physical use.
- **eNote constrains Straw Buyer.** eNote constrains Straw Buyer through a change in rights, information, cash flow, priority, timing, or physical use.
- **Digital Mortgage may produce eNote.** Digital Mortgage may produce eNote through a change in rights, information, cash flow, priority, timing, or physical use.
- **eNote is held in eVault.** eNote is held in eVault through a change in rights, information, cash flow, priority, timing, or physical use.
- **eNote is registered through MERS eRegistry.** eNote is registered through MERS eRegistry through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read eNote through the lineage of PropTech & Digital Mortgage: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for eNote: engraved layers, signatures, parcel geometry, seals, and custody marks held inside a precise brass frame; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [eMortgage Standards and Specifications](https://www.mismo.org/standards-resources/emortgage-standards-and-specifications) — Mortgage Industry Standards Maintenance Organization; eMortgage, SMART Doc, RON, eVault, eRecording.
- [MISMO Standards & Resources](https://www.mismo.org/standards-resources) — Mortgage Industry Standards Maintenance Organization; residential and commercial mortgage data standards.
- [Quality Control Standards for Automated Valuation Models](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/quality-control-standards-for-automated-valuation-models/) — Consumer Financial Protection Bureau; AVM controls and valuation technology.
