VALAI
Property performance intelligence for how property is bought, insured, financed and managed.
Fragmented property data turned into decision-ready intelligence.
The VALAI Intelligence Engine delivers property-level intelligence directly into the systems institutions already use.
Nobody knows how a property actually performs
Banks approve mortgages, insurers set premiums and buyers choose homes without knowing how those properties actually perform. No energy data across the mortgage book. Premiums priced at postcode level. Listings with no running costs. Mandatory climate disclosure legislation now requires Australia's largest lenders to report property-level risk accurately, and the data infrastructure to meet that obligation barely exists, except at VALAI.
One engine, every outcome
Banks meet mandatory climate disclosure. Insurers price risk at the property level rather than the postcode. Buyers see running costs. Property owners and homeowners get a personalised A$2,200 savings pathway.
Three positions a new entrant starts from zero on
More than 78 million data points and seven proprietary AI models built over years. An REA Group equity partnership (SAFE note). On the Energy Score the member states: "Live September 2026 and will activate over 47.6 million monthly visitors." The member reports being embedded in mandatory compliance workflows at Australia's largest institutions; the paying-customer band is shown below.
The market they are selling into.
A$668M TAM across five markets. AASB S2 mandatory climate disclosure is already live for Australia's largest institutions. A$1M ARR achieved with zero sales spend. On the REA Energy Score the member states: "Live September 2026 and will activate over 47.6 million monthly visitors."
Technology and compliance
PropTrack (REA Group) supplies an exclusive daily parquet feed of 50,000 updated property records per day from a 13M+ commercial and residential property dataset. Adatree provides the Consumer Data Right integration carrying live utility and financial data into the platform. Production runs on AWS ap-southeast-2 at 70 RPS, under 500ms p99 latency and a 99.9% SLA, with all data sovereign to Australia. ISO/IEC 27001:2022 certified (Certificate 1032-I-3, valid to January 2027). On Consumer Data Right accreditation the member states: "VALAI are an accredited CDR recipient." Adatree is used as the intermediary for the data feeds. WIPO international trademarks valid to 2033. RSM Australia independently estimated platform rebuild cost at A$3.6M to A$4.6M in February 2026. R&D Tax Incentive approved at A$500k per year for FY24 and FY25.
Three revenue streams.
The member gives the headline figure as A$1M ARR, of which A$900k is contracted recurring. 85% adjusted gross margin, net revenue retention above 100%, and CAC payback of 3.6 months.
Three named relationships: a SAFE note, an enterprise licence, a data licence.
REA Group
Equity partner via SAFE note, with exclusive PropTrack data access. On the VALAI Energy Score across realestate.com.au the member states: "Live September 2026 and will activate over 47.6 million monthly visitors." International gateway for New Zealand, the UK and Singapore.
Commonwealth Bank of Australia
Three-year HEAT licence signed February 2025, A$655k FY25 revenue. 1.9 million mortgage holders with access to VALAI-powered intelligence, with Harvard STAR Lab-validated UX deployed at scale.
Zembl
CPI-escalating data API licence. The member confirms this is an API licence, not an enterprise licence. Recurring, expanding revenue from the energy retail sector, independent of the banking and insurance verticals.
Allys Todd, Founder · LinkedIn | valai.com.au
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