Outcome-priced home-finance infrastructure.When the enterprise wins, MIZAN wins.
MIZAN is outcome-priced infrastructure — the institution pays only on executed servicing outcomes. Homeowners pay nothing.
$50
per executed institutional outcome
No seat licences · No subscriptions · No platform tax · No revenue without delivery
01 — THE DELTA
How mortgage valueevolves after origination.
Traditional mortgage infrastructure loses visibility over time. MIZAN continuously compounds servicing intelligence, refinancing coordination and household alignment.
Most mortgage risk accumulates between refinancing cycles.
Legacy infrastructure — periodic, reactive, fragmented servicing
MIZAN infrastructure — continuous, anticipatory, programmable
Illustrative scenario · figures modelled · proprietary
- 01Refinancing frictionThe time and cost between a household's eligibility for better terms and the lender's recognition of it.
- 02Servicing lagThe delay between a household event — energy spike, income change, life event — and a lender's operational response.
- 03Household compressionThe narrowing margin between household income and total housing cost — invisible to origination-era affordability models.
- 04Energy dragThe capital cost imposed as housing stock fails rising efficiency and EPC standards over the life of the loan.
- 05Default intervention timingThe window between early household stress and the lender's ability to act while intervention is still economic.
02 — MODEL YOUR BOOK
Model what continuous refinancing infrastructure delivers to institutional ROE.
Enter your book size and eligibility against the 2030 retrofit and servicing horizon. The simulator computes your exposure, MIZAN's outcome fee, and the net institutional saving.
LEGACY REFINANCING EXECUTION
47 days · AED 18,500
Per refinance · manual, reactive, fragmented
MIZAN EXECUTION
4.7 seconds · AED 184
Per executed outcome · continuous, anticipatory
mortgages
NON-COMPLIANT PROPERTIES IDENTIFIED
280,000
REACTIVE COMPLIANCE COST
AED 4.48B
modelled
MIZAN IDENTIFICATION FEE (AED 184 / OUTCOME)
AED 51.52M
modelled
CAPITAL AT RISK
AED 79.80B
modelled
NET INSTITUTIONAL SAVING
AED 4.43B
modelled
Every month of delay = AED 1.53B in unpriced risk remaining on your book before the October 2030 deadline.
Simulator constants and modelled figures on this page are illustrative — calibrated against live partner engagements. The Telemetry Sensitivity Index, the 10-year delta and the outcomes-based commercial model are proprietary MIZAN constructs.
03 — COMMERCIAL MODEL
Three principles, one commercial model.
- 01Value-based, not seat-basedInstitutional partners commit to MIZAN against a defined share of the operational, refinancing and servicing efficiency delta — measured continuously, settled against executed outcomes.
- 02Outcomes priced, not access pricedPricing scales with the refinancing, servicing and compression outcomes MIZAN delivers — not with the number of homes connected or the number of institutional users.
- 03Engagement-scoped, not tariff-scopedEach engagement is sized against asset volume, deployment scope and operational integration. There is no standard tariff because there is no standard engagement.
MIZAN is the operating layer underneath continuous home finance — priced against the outcomes it produces, not the access it provides.
04 — PRODUCTION ENVIRONMENT
Dubai is becoming the first production environment for continuous home finance infrastructure.
MIZAN exists to coordinate the institutions building it.