Verified Homeowner – Credential Documentation¶

1. About this Document¶

This document describes the Verified Homeowner verifiable credential to help potential verifiers determine whether it is suitable for their needs. The intended audience includes real estate professionals, lenders, insurers, municipalities, and financial service providers.

The Verified Homeowner Credential is issued by Cornerstone Platform Inc., to Canadian Homeowners, and represents authoritative proof of homeownership derived from the provincial land title registry, combined with high-assurance identity verification sources.

1.1 Version History¶

Ver.	Date	Notes	Author(s)
0.3	29-Sep-2025	Updated credential schema information based on available attributes from Landcor	Mathieu Glaude
0.2	3-Sep-2025	Simplified and reformatted document	Mathieu Glaude
0.1	20-Aug-2025	Initial draft	Mathieu Glaude

2. Credential Overview¶

The Verified Homeowner Credential is a verifiable credential (VC) issued to individuals who are confirmed as registered property owners in the provincial land-title registry. It enables the holder to prove both their identity and their ownership of a property while sharing only the minimum data required.

External terminology note: This credential is referred to as "Verified Homeowner" or "Home Credential" in technical specifications, and corresponds to the "Home Ownership VC" or "HomeCredential" referenced in the Cornerstone Identity, Persona, and Access Model.

Each issuance is backed by FINTRAC-compliant dual-process checks: - Interac Bank Verification or BC Person Credential, and - Land Title name-and-address match.

The credential is issued directly into the Cornerstone Wallet and can be consumed by relying parties without requiring them to re-run identity checks.


Credential:	Verified Homeowner
Schema:	Verified Homeowner v1.0
Issuer:	Cornerstone Platform Inc. https://cornerstone.ca
Issuer DID:	TBA (e.g., `did:web:cornerstone.ca`)

2.1 Prerequisite Credentials¶

Required Before Issuance: - Cornerstone ID (base identity credential) - ALL users must hold this first

Credential Hierarchy:

Cornerstone ID (foundation)
└── Home Credential (Verified Homeowner) - THIS CREDENTIAL
    └── Property Access Authorization Credential (PAAC) - can be issued by homeowner to trust network members

Important: This credential represents ownership of a specific property. Homeowners who own multiple properties receive separate Home Credentials for each property—one credential per property owned. Each property has its own property-specific trust network.

2.2 Attribute Summary¶

#	Name	Attribute	Data Type	Notes
001	Given Names	`given_names`	String	Legal given names.
002	Family Name	`family_name`	String	Legal family/surname.
003	Date of Birth	`birthdate_dateint`	Integer	`YYYYMMDD` for ZK proofs.
004	Verified Email	`verified_email`	String	Verified via OTP or equivalent.
005	PID	`pid`	String	Unique Parcel Identifier; essential anchor for linking data across systems and avoiding redundant searches.
006	Property Address	`property_address`	JSON object	Standardized postal address; needed for quoting, underwriting, and service delivery.
007	Jurisdiction	`jurisdiction`	String	Municipality name; required in most regulatory and financial processes.
008	Purchase Price	`purchase_price`	Number	Historical sale price; useful for fraud checks, appraisals, and loan risk.
009	Purchase Date	`purchase_date`	Date	Date of last sale; helps validate ownership timeline and market behaviour.
010	Year Built	`year_built`	Integer	Core input for replacement cost models; older homes often higher risk.
011	Effective Year	`effective_year`	Integer	Renovation-adjusted year; captures material updates that affect insurability.
012	Neighbourhood	`neighbourhood`	String	Recognized community name; key for market value and comparables.
013	Identity Evidence	`identity_evidence`	String / URI	UUID + source of IDV evidence.
014	Title Evidence	`title_evidence`	String / URI	UUID + source of title evidence.

3. Credential Details¶

3.1 Issuer¶

The Verified Homeowner Credential is issued by Cornerstone Platform Inc., acting as the credential authority. Each credential is issued only after both identity and title checks are successfully completed.

3.2 Schema and Credential Definition Governance¶

The Verified Homeowner Credential schema and definition are managed by Cornerstone and registered on the Cornerstone Network Trust Registry. Updates follow a change-managed governance process to ensure interoperability.

3.3 Issuer Data Source¶

The data comes from two authoritative categories:

Identity Verification: Interac Bank Verification Service, or BC Person Credential.
Title Verification: Provincial land-title registry records, including property identifier, civic address, ownership type, and percentage.

Together these bind a person’s identity to their legal property ownership.

3.3.1 Data Updates¶

A credential reflects the state of records at issuance.
Ownership or identity changes require revocation and re-issuance.
Evidence is retained for five years in compliance with FINTRAC.

3.4 Assurance¶

The credential combines three assurance anchors: - High-assurance identity (Person Credential or Interac IVS),
- Land-title registry record (ownership).

This meets FINTRAC’s dual-process method.

3.5 Revocation¶

A Verified Homeowner Credential will be revoked in cases such as: 1. Property sold or ownership updated 2. Cornerstone ID (prerequisite) is revoked or expired 3. Identity evidence expires 4. Fraud or errors detected 5. Holder requests re-issuance 6. Regulatory or legal request

Cascade Revocation: If the Home Credential is revoked, ALL Property Access Authorization Credentials (PAACs) for that specific property MUST be automatically revoked: - Property Access Authorization Credentials (PAACs) for this property → Automatically revoked - This affects all trust network members who were granted access to this property - Other properties owned by the same homeowner are unaffected (each property has its own Home Credential)

If Cornerstone ID is revoked: The Home Credential is automatically revoked (prerequisite dependency cascade from Cornerstone ID).

Re-issuance involves re-verification and issuance of a new credential to the holder's Cornerstone Wallet.

4. Credential Definition¶

4.1 Credential Schema¶

The Verified Homeowner Credential conforms to W3C Verifiable Credentials and uses a Cornerstone-managed schema:

Schema ID (URI): https://schema.cornerstoneplatform.ca/v1/homeowner.json
Schema Versioning: Breaking changes produce a new schema and new capture_base digest.
Contexts:
https://www.w3.org/2018/credentials/v1
https://schema.cornerstoneplatform.ca/contexts/homeowner-v1.json

4.2 Subject of the Credential¶

The subject is the individual holder, bound to a specific property at issuance. Binding is confirmed by: - High-assurance ID verification, and
- Land-title registry name/address match.

4.3 Attributes¶

4.3.1 Identity Attributes¶

Given Names (001)

Attribute	`given_names`
Description	Legal given names.
Source	Interac or BC Person Credential.
Data Type	String
Examples	`John Michael`

Family Name (002)

Attribute	`family_name`
Description	Legal surname.
Source	Interac or BC Person Credential.
Data Type	String
Examples	`Smith`

Date of Birth (003)

Attribute	`birthdate_dateint`
Description	Date of birth in `YYYYMMDD` format, compatible with ZK proofs.
Source	Interac or BC Person Credential.
Data Type	Integer
Examples	`19850621`

Verified Email (004)

Attribute	`verified_email`
Description	Email verified during Cornerstone onboarding process.
Source	Cornerstone Onboarding Flow.
Data Type	String
Examples	`john.smith@sutton.com`

4.3.2 Property & Ownership Attributes¶

PID (005)

Attribute	`pid`
Description	Unique Parcel Identifier (PID) used in land registries.
Source	Provincial Land Title Registry / Landcor feed.
Data Type	String
Examples	`027-263-975`

Property Address (006)

Attribute	`property_address`
Description	Standardized postal address including street, locality, region, and postal code.
Source	Landcor “Full Property Address”.
Data Type	JSON object
Examples	`1234 W 10TH AVE, Vancouver, BC V6H 1J9`

Jurisdiction (007)

Attribute	`jurisdiction`
Description	Municipality or local jurisdiction where the property is located.
Source	Landcor property details.
Data Type	String
Examples	`City of Vancouver`

Purchase Price (008)

Attribute	`purchase_price`
Description	Last recorded sale price of the property.
Source	Landcor sales history feed (if available).
Data Type	Number
Examples	`1,250,000`

Purchase Date (009)

Attribute	`purchase_date`
Description	Date of the last property sale transaction.
Source	Landcor sales history feed (if available).
Data Type	Date
Examples	`2018-05-14`

Year Built (010)

Attribute	`year_built`
Description	Year the property was originally constructed.
Source	Landcor property details.
Data Type	Integer
Examples	`1987`

Effective Year (011)

Attribute	`effective_year`
Description	Renovation-adjusted year reflecting major updates that affect valuation and risk.
Source	Landcor property details.
Data Type	Integer
Examples	`1993`

Neighbourhood (012)

Attribute	`neighbourhood`
Description	Recognized neighbourhood/community where the property is located.
Source	Landcor property details.
Data Type	String
Examples	`Kitsilano`

4.3.3 Evidence Attributes¶

Identity Evidence (013)

Attribute	`identity_evidence`
Description	UUID referencing IDV source(s), author, and date of verification.
Source	Cornerstone IDV process.
Data Type	String / URI

Title Evidence (014)

Attribute	`title_evidence`
Description	UUID referencing land title evidence, author, and verification date.
Source	Land Title Registry checks.
Data Type	String / URI

5. Implementations¶

5.1 Technical Format¶

This credential uses the W3C Verifiable Credentials Data Model and the Verified Homeowner schema.

5.2 Issuer List¶

Environment	Issuer Name	Issuer DID
Production	Cornerstone Platform Inc.	TBA
Test/Dev	Cornerstone Platform Inc.	TBA

5.3 Schema Implementation¶

Environment	Ledger/Registry	Schema ID
Production	Cornerstone Trust Registry	TBA
Test/Dev	Cornerstone Trust Registry	`cornerstone:2:verified-homeowner:1.0`

5.4 Credential Implementation¶

Environment	Ledger/Registry	Credential Definition ID	OCA Bundle
Production	TBA	TBA	TBA
Test/Dev	Cornerstone Trust Registry	`cornerstone:3:CL:12345:verified-homeowner`	Verified Homeowner OCA Bundle

6. Policy Integration¶

6.1 Capabilities Enabled by This Credential¶

The Verified Homeowner Credential enables holders to access property-specific features and grant access to their trust network. Applications use credential-based access control to provision these capabilities:

Property Trust Network Management:
Issue Property Access Authorization Credentials (PAACs) to advisors and service providers
Manage trust network membership for the specific property
Grant data access permissions (identity, ownership, equity, insurance)
Define access levels (read-only, operational, advisory, transactional)
Revoke PAACs when relationships end
Property Data Sharing:
Share verified property ownership with lenders, insurers, and financial institutions
Provide property details for underwriting, quoting, and service delivery
Enable property data portability across platforms and service providers
Selectively disclose property attributes using zero-knowledge proofs
Homeowner Platform Access:
Access homeowner-specific features in Cornerstone applications
Create and manage property portfolios (requires Portfolio Issuer capability)
Receive property-specific notifications and updates
Participate in property-specific communications

6.2 Example Policy Rules¶

Platform applications implement access control rules based on credential presentation:

Trust Network Authorization Policy:

IF holder presents:
   - Valid Home Credential for property X
THEN authorize: Issue PAAC for property X, manage trust network for property X

Property Data Access Policy:

IF holder presents:
   - Valid Home Credential
THEN authorize: View property details, share property data, update property information

Service Integration Policy:

IF homeowner presents:
   - Valid Home Credential with attributes: [pid, property_address, year_built]
AND service provider presents:
   - Valid PAAC for this property with scope: [property_data]
THEN authorize: Service provider access to shared property attributes

7.1 Prerequisite Credentials¶

This credential REQUIRES: - Cornerstone ID (foundation identity credential) - Must be valid and not revoked - If revoked, this credential is automatically revoked

7.2 Dependent Credentials¶

This credential enables issuance of: - Property Access Authorization Credential (PAAC): Issued BY the homeowner TO advisors/service providers for this specific property - Grants trust network members access to property-specific data - Scoped to the specific property represented by this Home Credential - Automatically revoked if this Home Credential is revoked

7.3 Credential Hierarchy¶

Cornerstone ID (foundation)
└── Home Credential (Verified Homeowner) - THIS CREDENTIAL
    └── Property Access Authorization Credential (PAAC)
        - Issued by homeowner to trust network members
        - One property-specific trust network per Home Credential
        - Automatically revoked when Home Credential is revoked

Important: Each property has its own trust network. A homeowner with multiple properties holds multiple Home Credentials (one per property), and each Home Credential can issue its own set of PAACs for that property's trust network.

7.4 Cascade Revocation Summary¶

When this credential is revoked: - ALL PAACs for this specific property → Automatically revoked - All trust network members for this property lose access - Other properties owned by the same homeowner are unaffected

When prerequisite credentials are revoked: - If Cornerstone ID is revoked → This Home Credential is automatically revoked (which then triggers PAAC revocation)