High amounts, interposed structures, due diligence to be documented.
Buying and reselling property brings together three things the regime watches closely: large sums, property companies stacked on top of one another, and changing counterparties. The question is not whether you are covered, but whether you can show what you checked.
- Ownership chain traced up to the individuals behind it (25% threshold)
- Reconciliation against the beneficial ownership register, discrepancies flagged
- Seller and buyer screened, time-stamped registry kept
Score out of 100 in 2 minutes · No credit card · No commitment
Vigilae, in 55 seconds.
From a scattered file to a sealed registry: the AI perceives, the engine classifies, you decide, the evidence is sealed.
55 seconds · French voiceover · subtitles available · sound on
Behind the property company, someone.
Stacked structures
A property company held by a holding company held by two individuals: the engine walks up the chain and tells you who exceeds 25%, or warns you that an interposed legal entity is still hiding the ultimate beneficiary.
The register, and its discrepancies
What the beneficial ownership register states does not always match what you observe. Vigilae reconciles the two and, where there is a discrepancy, prepares the report to the body that keeps the register (art. L.561-47-1).
The source of funds
Own funds, credit, reinvested proceeds, money coming from abroad: the question gets asked and the answer stays in the file.
One transaction, one file, one evidence trail.
Both sides of the transaction
Today's seller and tomorrow's buyer are screened as two distinct entities, each with its own identifiers.
A rating with reasons
Amount, country, ownership structure, political exposure: the rating is explained line by line, and you can adjust it by giving a reason.
A sealed file
Once the transaction is done, the file freezes: chained registry, third-party time-stamping, five-year retention after the end of the relationship.
It does not sign for you.
No sale agreement is blocked, no sale is refused by the software. It prescribes measures, keeps the evidence of what was done, and leaves the decision where it belongs.
Your AML/CFT supervisory authority depends on your jurisdiction. For the jurisdiction or jurisdictions in which this page is read:
- Irlande — Property Services Regulatory Authority (PSRA) Criminal Justice (MLTF) Act 2010, s. 60(2)(db) — paragraphe inséré par le Criminal Justice (MLTF) (Amendment) Act 2021, s. 18(c), en vigueur au 23/04/2021 ; assujettissement s. 25(1)(f)
- Malte — Financial Intelligence Analysis Unit (FIAU) ; Property Market Agency (agent de la FIAU pour le secteur immobilier) PMLFTR (S.L. 373.01), reg. 2(1) définition de « supervisory authority », point (g) ; Property Market Agency Act (Cap. 644)
Vigilae covers all 27 Member States: each firm declares its jurisdiction and finds its authority, its filing portal and its national references. See the 27 jurisdictions.
See a transaction handled end to end?
A property company, two levels of ownership, a check against the register: the textbook case.
No credit card · No commitment · Guided onboarding
Vigilae assists the professional with their AML/CFT obligations. The tool perceives, structures, screens and documents; the professional remains the sole decision-maker and the sole party reporting to the FIU.