United Arab Emirates · Ministry of Energy & Infrastructure
دولة الإمارات العربية المتحدة · وزارة الطاقة والبنية التحتية
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Sheikh Zayed Housing Programme

Service Console

This service checks a housing-loan arrears rescheduling request using Programme-held data, verified income, and MOEI rules.

Mock Pilot

Apply

Select a case to process

Seeded sample scenarios — each runs through the same deterministic policy engine.

Case details

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The 20% salary cap and repayment-period rules are enforced by deterministic policy code. Clear cases produce a draft automatically; exceptions go to an officer. The LLM reads and explains — it never decides.

How it works

1

You are signed in with UAE PASS. ✓

2

The Programme retrieves your loan and arrears data — nothing to re-enter.

3

MOEI rules check your request and you get a clear result in seconds.

4

Exceptional cases go to a Programme officer for a human decision.

For Programme staff

Open the officer workbench
Ministry of Energy & Infrastructure Sheikh Zayed Housing Programme
AGENT SANAD

Login to UAE PASS

IdentityA*** (verified profile)
NationalityUAE National ✓
UAE PASS levelSOP2 — verified
Linked Programme fileHousing loan beneficiary

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Recover your account

Simulated sign-in for evaluation — no real credentials are used.

Arrears rescheduling application

Your application

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Agent Sanad is reviewing your application

Automated assessment in progress

Every step below is recorded in the case audit trail.

دولة الإمارات العربية المتحدة

وزارة الطاقة والبنية التحتية

برنامج الشيخ زايد للإسكان

قرار اعتماد إعادة جدولة القسط السكني

DECISION DECREE FOR HOUSING ARREARS RESCHEDULING

Approved Ref: —
بناءً على السياسات الحاكمة لبرنامج الشيخ زايد للإسكان، والتقييم الآلي المعتمد بالسياسة رقم 1.8.0، فقد تم اتخاذ القرار التالي بشأن طلب إعادة جدولة متأخرات القرض السكني:
مقدم الطلب / Applicant
مبلغ المتأخرات / Arrears Amount
القسط الشهري الحالي / Current Installment
القسط الجديد المقترح / New Installment
الرصيد المتبقي / Remaining Balance
القرار المتخذ / Decision Outcome
What happens next
    مدير برنامج الشيخ زايد للإسكان
    اعتماد إلكتروني بالنظام
    وكيل التدقيق الذكي (Agent Sanad)
    الرمز الرقمي المعتمد
    SHA256: 8f9b2d8e7c...
    Open officer review

    Officer workbench

    Case review

    Default-autonomous, exception-routed: clear cases auto-draft; you review the exceptions.

    Beneficiary service
    Unable to reach the local API.
    Select a case Choose a case from the queue to review.

    Officer recommendation

    Section 8 recommendation output

    Why this plan?

    Evidence, rules, and decision trace

    Case timeline
    Rules applied
    Where the data came from
    20% cap calculation
    Repayment-period check
    Security checks
    Raw audit feed
    Select a case.

    Retrieved and extracted

    Zero-bureaucracy impact

    Manual process
    ~5 working days
    Agent Sanad draft
    <90s

    Path-match is the honest benchmark claim. Exact premium and duration remain officer-discretion-sensitive.

    Administrative dashboard

    Supervisor Portal

    Monitor service volume, check SLAs, and toggle connector outages for integration tests.

    Role: Supervisor
    Total Applications
    Approvals
    Referrals
    Rejections

    Integration Toggles

    Connector Outages

    Loading connectors...

    Policy Analytics

    Fairness & Drift

    Policy Drift Status
    Stable ✓
    Last Check
    Drift Deviation
    0.00% (No change)
    Risk Warning Budget

    Immutable Trust Ledger

    Auditor Portal

    Inspect immutable hash chains, verify digital signatures, and validate audit ledger integrity.

    Role: Auditor

    Verification Control

    Select Case to Audit

    Cryptographic Ledger Log

    Audit Hash Chain Block List

    Select a case to view its cryptographic ledger blocks.

    Proactive support

    Rescue Radar

    Non-binding early warning. Identifies at-risk cases for proactive outreach. Policy decisions remain unchanged.

    Total cases scanned
    At-risk cases
    Interventions available
    Outreach sent

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    Policy simulation

    Policy Digital Twin

    Compare baseline against simulated scenarios. All decisions are non-binding. The 20% salary cap is never relaxed.

    No runs yet

    ⚠ The 20% salary cap is a hard guardrail. It is never relaxed in any scenario.

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    Trust and verification

    Evidence Vault

    Build tamper-proof evidence packages. Verify trust receipts. Demonstrate audit chain integrity.

    Build vault

    Select a case to build its evidence package.

    Verify receipt

    Verify the integrity of a trust receipt.

    Integrity test

    Verify detection of modified or corrupted evidence.

    Select a case and build its evidence vault to begin.

    Integration readiness

    Interop Certification Lab

    Verify connector readiness, run certifications, and generate onboarding packs.

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    Ministry service assistant

    Service Copilot

    Guided assistant for Programme inquiries. Uses approved facts and safe templates. LLM is read-only.

    Welcome. I can answer questions about the housing arrears rescheduling programme. All responses are based on approved facts.

    Source facts

    Safety trace

    Prompt injection handling is logged. LLM responses are bounded to approved templates.

    Service operations

    Mission Control

    Monitor service health, run playbooks, manage incidents, and track release readiness.

    Playbooks
    Open tasks
    Incidents
    Release

    Risk brief

    Playbooks

    Tasks