HOA Management
Transparent HOA Management. Glass HOA.
The only HOA platform with cryptographic board elections, Plaid-synced reserve vaults with immutable ledgers, Z3 formal verification of assessments, forensic audit trails, and Florida SB 4-D compliance.
Capabilities
What Sets RA Apart
Tamper-Proof Cryptographic Elections
Every vote SHA-256 sealed with voter ID, timestamp, and ballot content hashed into an immutable ledger. Weighted voting by unit size ensures penthouses and studios are counted proportionally per governing documents. Proxy delegation with verifiable chain-of-custody — every proxy assignment is cryptographically signed by the delegating owner and auditable by any unit holder. Real-time tabulation displays results as votes arrive. Automatic quorum detection prevents invalid elections from proceeding. HOA election fraud costs Florida alone $100M/year in legal fees — contested elections, forged proxies, miscounted ballots, and self-dealing board members who manipulate outcomes. Glass HOA makes election fraud architecturally impossible: you cannot forge a SHA-256 sealed vote, you cannot fabricate a cryptographically signed proxy, and you cannot alter results in an immutable ledger. AppFolio offers basic online polls with no cryptographic integrity. Buildium offers basic polls. Neither provides mathematically provable election integrity.
Plaid-Synced Digital Reserve Fund
Real-time Plaid bank sync — every dollar visible live, not quarterly, not monthly, not whenever the treasurer decides to update the spreadsheet. Immutable transaction ledger records every deposit, withdrawal, transfer, and interest accrual with timestamps, actor IDs, and cryptographic seals. Automated alerts fire when reserve balances drop below state-mandated thresholds (Florida statute 718.112 requires specific reserve levels for roof, structure, waterproofing, and other components). 30-year funding trajectory projections model different scenarios: current contribution rates, recommended increases, special assessment alternatives, and inflation-adjusted replacement costs. Reserve study integration imports professional engineer assessments directly into the projection model. Every board member, every unit owner, every auditor can see exactly where every reserve dollar is at any time. No more "the treasurer embezzled $200K and nobody noticed for two years." AppFolio and Buildium offer basic accounting — bank reconciliation done manually, quarterly at best.
Glass-Level Forensic Audit Trails
Every board decision, transaction, vendor payment, assessment, communication, document access, vote, proxy delegation, reserve withdrawal, and contract execution is durably logged with immutable timestamps, actor ID, IP address, and cryptographic seals. Verifiable by any owner at any time — no board member can delete, modify, or backdate records. The audit trail is append-only by design: not even system administrators can alter historical entries. This is the "Glass" in Glass HOA — total operational transparency. When an owner asks "who approved that $50K painting contract?", the answer is one click away with the exact board vote, the vendor bid comparison, the dual-signature approval, and the payment disbursement. AppFolio and Buildium offer activity logs — editable, deletable, and invisible to unit owners.
Formally Verified Assessment Calculations
Z3 formal verification — the same SMT solver technology used in aerospace flight control systems and high-frequency financial trading platforms — mathematically proves that assessment calculations are correct, fair, and consistent with governing documents. No rounding errors. No unit-size miscalculations. No "the penthouse pays the same as the studio" disputes. Z3 generates a formal proof certificate for every assessment run: given the governing document rules, the unit sizes, the approved budget, and the allocation methodology, the solver proves that every unit's assessment is the unique correct answer. This proof certificate is stored in the audit trail and can be independently verified by any owner, attorney, or auditor. No HOA platform — not AppFolio, not Buildium, not CINC, not Enumerate — has formal verification of any calculation. They use spreadsheets. Spreadsheets have errors. Z3 proofs do not.
Florida SB 4-D Purpose-Built Compliance
Automates the entire SB 4-D structural integrity workflow: structural reserve component tracking (roof, structure, waterproofing, fire protection, plumbing, electrical, windows/exterior doors, parking garage/structure), milestone inspection scheduling with automated reminders at 25-year and 30-year thresholds (or 20/25 within 3 miles of coast), reserve funding projections that meet the new full-funding requirements, and DBPR reporting with automated submission formatting. Built because Surfside Champlain Towers killed 98 people on June 24, 2021 — the deadliest structural failure in US history outside of 9/11 — because reserve negligence, deferred maintenance, and inadequate structural inspections went undetected for decades. SB 4-D passed in 2022 requiring milestone inspections, structural integrity reserve studies (SIRS), and full reserve funding for all 8 structural components. 49,000+ Florida condominium and cooperative communities must comply. AppFolio and Buildium have no SB 4-D functionality — they require manual tracking on spreadsheets for a regulation that carries personal liability for board members who fail to comply.
Fiduciary-Grade Vendor Management
Every contract, bid, payment, performance review, and communication in the Glass audit trail. Competitive bidding documentation proves fiduciary duty — when three bids are required, the system enforces it before a contract can be approved. Dual-signature approvals ensure no single board member can authorize expenditures above configurable thresholds. Vendor performance scoring tracks on-time completion, budget adherence, warranty claims, and owner satisfaction across all projects. Insurance certificate tracking with automated expiration alerts prevents uninsured vendor work. The entire vendor lifecycle — RFP, bid collection, board vote, contract execution, milestone payments, final inspection, warranty tracking — lives in one immutable audit trail. AppFolio offers basic vendor directories. Buildium offers basic work order tracking. Neither enforces fiduciary-grade procurement controls.
Ai Board Secretary & Owner Concierge
Nelo handles owner inquiries 24/7 — assessment questions, amenity reservations, violation disputes, maintenance requests, document requests, meeting schedules. Board members use Nelo to draft meeting agendas from pending action items, generate financial summaries from reserve vault data, create violation notices with photographic evidence and governing document citations, and prepare annual meeting packages. Voice Ai handles phone calls in 10 languages for communities with diverse ownership. Nelo is not a chatbot — it is an Ai board secretary with access to every document, every financial record, and every governing rule in the community's Glass HOA instance.
49,000 Florida HOAs. Surfside Killed 98 People. Glass HOA Makes Negligence Impossible.
Surfside Champlain Towers collapsed on June 24, 2021 killing 98 people because reserve negligence and deferred structural maintenance went undetected for decades. Board members hid financial shortfalls. Engineers' warnings were buried. Residents had no visibility. Glass HOA makes every reserve dollar visible in real-time via Plaid sync, makes every board decision cryptographically auditable, makes every assessment calculation formally verified by Z3, makes every vendor payment dual-signature approved, and makes every SB 4-D structural inspection tracked and reported automatically. Reserve fraud is architecturally impossible. Board negligence is architecturally detectable. 49,000+ Florida communities need this. No competitor offers anything remotely comparable.
Comparison
RA vs. The Competition
| Capability | RA Platform | AppFolio HOA | Buildium |
|---|---|---|---|
| Crypto Voting | ✓ SHA-256 + proxy chain + quorum | Basic polls (no crypto) | Basic polls (no crypto) |
| Reserve Vault | ✓ Plaid live sync + immutable ledger | Basic accounting (manual) | Basic accounting (manual) |
| Forensic Audit | ✓ Full crypto trail, owner-visible | Activity logs (editable) | Activity logs (editable) |
| Z3 Assessment Proofs | ✓ Formal verification + proof cert | None — spreadsheets | None — spreadsheets |
| SB 4-D | ★ Purpose-built for all 8 components | Manual spreadsheets | Manual spreadsheets |
| Vendor Management | ✓ Fiduciary-grade + dual-sig | Basic directory | Basic work orders |
| Ai Concierge | ✓ Nelo + Voice 10 languages | None | None |
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Replace $4,230+ in stacked tools. One platform. 80% margin.