CHLOM™ for Real Estate

AI-Powered Licensing, Compliance, and Smart Contracts for the Real Estate Industry

Version: 1.0 | Last Updated: February 2025

1. Introduction

The real estate industry is burdened with inefficiencies, fraud risks, and complex regulatory requirements. Traditional property transactions involve extensive paperwork, intermediaries, and high costs. CHLOM™ introduces a decentralized, AI-driven framework that streamlines licensing, automates compliance, and enables trustless smart contracts.

By leveraging blockchain, AI-driven compliance, Zero-Knowledge Proofs (ZKP), and tokenized property ownership, CHLOM™ modernizes real estate transactions, making them faster, more secure, and fully auditable.

2. CHLOM™ in Real Estate Licensing & Transactions

2.1 AI-Powered Property Licensing

• Automates the issuance and verification of real estate licenses using blockchain.
• Ensures compliance with property zoning laws, tax regulations, and ownership history.
• Reduces fraudulent property listings through AI-powered due diligence.

2.2 Tokenized Property Ownership

• Converts real estate assets into legally compliant digital tokens.
• Enables fractional property ownership and peer-to-peer real estate investments.
• Smart contracts enforce ownership rights, revenue sharing, and regulatory compliance.

Smart Contract for Tokenized Real Estate

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;

contract CHLOMRealEstateToken {
    struct Property {
        uint256 id;
        address owner;
        string details;
        bool forSale;
        uint256 price;
    }

    mapping(uint256 => Property) public properties;
    mapping(address => bool) public verifiedSellers;

    function registerProperty(uint256 _id, string memory _details, uint256 _price) public {
        require(verifiedSellers[msg.sender], "Not authorized to list property");
        properties[_id] = Property(_id, msg.sender, _details, true, _price);
    }

    function transferOwnership(uint256 _id, address _newOwner) public {
        require(msg.sender == properties[_id].owner, "Not authorized");
        properties[_id].owner = _newOwner;
    }
}

3. AI-Powered Compliance & Risk Analysis

3.1 Automated Title Verification

• AI scans historical land records to verify title authenticity.
• Prevents title fraud, double-selling, and disputes over ownership.
• Blockchain-based notarization ensures unalterable property history.

3.2 Smart Treasury for Real Estate Transactions

• Enables escrow automation using AI and smart contracts.
• Distributes rental income and mortgage payments autonomously.
• Tracks tax liabilities and compliance obligations in real time.

CHLOM™ Smart Treasury Contract

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;

contract CHLOMSmartTreasury {
    struct Payment {
        address recipient;
        uint256 amount;
    }

    mapping(uint256 => Payment) public payments;

    function processPayment(uint256 _id, address _recipient, uint256 _amount) public {
        payments[_id] = Payment(_recipient, _amount);
    }
}

4. Zero-Knowledge Proof Authentication in Real Estate

4.1 Secure Identity & Property Ownership Validation

• Prevents identity fraud and false ownership claims.
• Ensures compliance with KYC/AML regulations for property sales.
• Uses Zero-Knowledge Proofs (ZKP) for private yet verifiable identity checks.

ZK-SNARKs for Secure Property Transactions

import py_ecc.bn128 as bn128

class CHLOMZKRealEstate:
    def __init__(self):
        self.secret_key = None

    def generate_proof(self, secret_key):
        self.secret_key = secret_key
        return bn128.multiply(bn128.G1, secret_key)

    def verify_proof(self, proof):
        return bn128.pairing(proof, bn128.G2)

5. CHLOM™ Real Estate DAO & Governance

5.1 Decentralized Property Licensing & Transactions

• CHLOM™ initially oversees licensing automation and compliance.
• AI models monitor property transactions, preventing fraudulent sales.
• Real Estate DAO governance ensures fair policies for property owners and investors.

CHLOM™ Real Estate DAO Voting Contract

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;

contract CHLOMRealEstateDAO {
    struct Proposal {
        uint256 id;
        string description;
        uint256 voteCount;
        bool executed;
    }

    mapping(uint256 => Proposal) public proposals;
    mapping(address => bool) public voters;

    function createProposal(string memory _desc) public {
        proposals[block.number] = Proposal(block.number, _desc, 0, false);
    }

    function vote(uint256 proposalId) public {
        require(!voters[msg.sender], "Already voted.");
        proposals[proposalId].voteCount++;
        voters[msg.sender] = true;
    }

    function executeProposal(uint256 proposalId) public {
        require(proposals[proposalId].voteCount > 100, "Not enough votes.");
        proposals[proposalId].executed = true;
    }
}

6. Conclusion

CHLOM™ provides the real estate industry with a decentralized, AI-powered framework for licensing, compliance, smart contracts, and automated escrow. By integrating blockchain-backed licensing, tokenized ownership, and AI-driven compliance, CHLOM™ ensures that property transactions are faster, more secure, and fully auditable.

The CHLOM™ Real Estate DAO will facilitate long-term governance, enabling fair ownership structures, automated revenue-sharing, and streamlined investment opportunities. With automated compliance monitoring and decentralized property listings, CHLOM™ redefines how real estate is bought, sold, and managed.