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28Fintech

Vesta Property

Personal finance platform for landlords

ReactRuby on RailsPostgreSQLDocuSignStripeAWS
Vesta Property — Personal finance platform for landlords
+Overview

Project overview

Vesta Property is Personal finance platform for landlords. Visibility over your property finances that makes the difference Built with high standards for performance, security, and intuitive user experiences, the platform is engineered to support mission-critical workflows and seamless scale.

+Industries
FintechEnterpriseDigital InnovationScalable Architecture
+Tech Stack
ReactRuby on RailsPostgreSQLDocuSignStripeAWS
// 01The Challenge

What was the problem or pain point

Client Dilemma & Technical Bottleneck

Vesta Property created the UK's first institutional marketplace for residential tenanted investment properties. Traditionally, buying or selling an occupied buy-to-let property required evicting the tenant, incurring months of lost rental income, and enduring 6+ months of opaque legal conveyancing. The client needed a digital investment platform that allowed landlords and institutional funds to trade tenanted properties seamlessly with existing tenants remaining in place, complete with automated yield calculations and digital legal diligence rooms.

// 02Strategic Advice

What we suggested to the client

Solid Sphere Architectural Recommendation

Solid Sphere recommended developing a comprehensive digital real estate transaction portal. We proposed building an automated property valuation and rental yield engine, a secure virtual data room (VDR) for tenancy agreements and structural surveys, and an automated conveyancing pipeline integrated with DocuSign and AML/KYC identity verification.

+Key Complexities

What made this project challenging

01

Digitizing institutional and private residential tenanted property transactions from start to finish

02

Displaying complex financial yield calculations, tenancy history, and legal packs transparently

03

Complying with strict UK anti-money laundering (AML) and Know Your Customer (KYC) regulations

04

Managing legally binding digital offers, reservation deposits, and contract exchanges

// 03Engineering Execution

What was implemented and how it was implemented

Step-by-Step Technical Execution

We developed the web platform using React for the investor-facing marketplace and Ruby on Rails for the transactional and compliance backend. We built property listing tools that automatically pull land registry data, calculate gross and net rental yields, and display historical tenancy occupancy rates. We engineered a secure Virtual Data Room with granular document access controls, allowing prospective institutional buyers to inspect tenancy contracts, EPC energy certificates, and safety records under non-disclosure agreements. We integrated automated anti-money laundering (AML) and identity checks for buyers and sellers, along with DocuSign API integration for executing legally binding heads of terms and reservation agreements. A customized Stripe payment pipeline handles refundable reservation deposits, locking property exclusivity during the diligence window.

+Key Deliverables

How we delivered

1

Engineered comprehensive marketplace listing tenanted properties with dynamic gross/net yield models

2

Integrated automated AML/KYC identity verification for prospective domestic and overseas buyers

3

Built secure virtual data room for reviewing tenancy agreements, safety certificates, and titles

4

Developed digital reservation deposit workflow with automated escrow handling via Stripe

// 04Architecture & Stack

What did we use to implement it

Technology Stack & Technical Rationale

React provided an interactive, data-rich marketplace interface with dynamic yield calculators and interactive financial graphs. Ruby on Rails handled complex real estate transaction workflows, legal document permissions, and regulatory compliance. PostgreSQL stored property listings, tenancy documents, and audit logs. DocuSign API automated legal agreement execution. Stripe handled deposit escrow and transaction fee processing. AWS provided secure, scalable cloud hosting with S3 encrypted storage.

ReactRuby on RailsPostgreSQLDocuSignStripeAWS
+Results

Key outcomes

01

Over £100M in tenanted property sales transacted

02

Reduced average transaction cycle from 16 weeks to 6 weeks

03

100% regulatory AML compliance verification

04

Zero-downtime property marketplace operations

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