Real Estate

UBO checks and KYC for
property transactions.

Real estate is one of the highest-risk sectors for money laundering. Screen buyers, sellers, and beneficial owners before transactions close, automatically.

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CDD
Buyer & seller screening
UBO
Beneficial owners
PEP
High-risk buyer flags
EDD
Triggers & evidence

Compliance challenges

What keeps your compliance team up at night.

Beneficial Owner Identification

Property purchases through shell companies and nominees designed to hide the true beneficial owner.

PEP & Sanctions Screening

High-net-worth buyers who are politically exposed persons using real estate to layer illicit funds.

Source of Funds Verification

Validating that funds used for luxury purchases come from legitimate, traceable sources.

Agent & Broker Risk

Estate agents facilitating transactions without performing adequate due diligence on their clients.

Cross-border Purchases

Foreign nationals and offshore structures buying domestic property through complex ownership chains.

on8 solutions

What we actually run for you.

Smart Sanction

Screen buyers, sellers, and UBOs against global watchlists and PEP databases.

  • KYB, corporate ownership and UBO graph analysis
  • PEP screening extended to family and associates
  • Sanctions screening across 450+ global lists
  • International wanted lists and Interpol notices
Learn more
Passporter

In development: remote identity verification for buyers and beneficial owners.

  • 190+ countries targeted, for international buyers without in-person meetings
  • Document authenticity checks designed for passports and driving licences
  • Face match designed to check that a document belongs to the person presenting it
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Pre-KYC

Pre-screen enquiries before investing agent time in due diligence.

  • Email and phone validation for initial enquiry screening
  • IP risk scoring to flag offshore or hidden origins
  • Bot detection for automated enquiry farming
Learn more

Regulatory coverage

The rules that govern your business.

Named sources, not a badge wall. Each one is the instrument the obligation actually comes from.

FATF Guidance (Real Estate)Global
FATF guidance on risk-based approach for real estate agents, lawyers, and notaries.
4AMLD / 5AMLDEU
Directive (EU) 2015/849 as amended by Directive (EU) 2018/843, bringing estate agents into the regulated sector with CDD obligations.
EU AML PackageEU
Regulation (EU) 2024/1624 and Directive (EU) 2024/1640: the single rulebook for obliged entities and its companion directive, applying from 2027.
MLR 2017UK
UK Money Laundering Regulations requiring estate agents to conduct CDD on buyers and sellers.
FinCEN Residential Real Estate RuleUSA
Nationwide reporting for non-financed residential transfers to legal entities and trusts (31 CFR 1031.320).
MASAK Real Estate RulesTurkey
Turkish AML obligations for real estate transactions including notarial requirements.
UBO RegisterEU
Beneficial ownership registration requirements under EU directives for corporate property buyers.
GuideAML for Real Estate AgentsBuyer and seller due diligence and screening for estate and letting agents.Read the guide

Real Estate

Screen every party before a deal closes.

Screen every buyer, seller and beneficial owner, with the evidence behind every match kept for your file.

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