# eRecording

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

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

## What it is

eRecording is a process 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

eRecording 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:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** certainty, speed, compliance, completion, error reduction
- **Inputs:** participants, documents, conditions, authority, time
- **Outputs:** decision, changed state, record, new obligations
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** eRecording turns documents, observations, decisions, and physical assets into computational workflows
- **Gift:** Clarity about erecording makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When erecording 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 erecording is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

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

## Divination

The Settlement enters the reading through eRecording. 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 information or condition must eRecording translate before the next commitment becomes safe?

**Guidance:** Make conditions, exceptions, handoffs, and completion criteria explicit.

## Game function

Creates a gated action requiring inputs, a decision, and a resulting Record. Initiative 1.

## Relationships

- **Underwriter depends on eRecording.** Underwriter depends on eRecording through a change in rights, information, cash flow, priority, timing, or physical use.
- **Remote Online Notarization amplifies eRecording.** Remote Online Notarization amplifies eRecording through a change in rights, information, cash flow, priority, timing, or physical use.
- **eRecording conflicts with SMART Doc.** eRecording conflicts with SMART Doc through a change in rights, information, cash flow, priority, timing, or physical use.
- **eRecording constrains Identity Theft.** eRecording constrains Identity Theft 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 eRecording 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 eRecording: a sequence of thresholds connected by a single bright path, with conditions represented as gates; 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.
