Sales have no value floor; in-scope lettings and suspicious files require both-side CDD before transfer.

Why it matters

Buyers, sellers and beneficial owners all need checking — fast, before a sale falls through.

Where the scope gets real

For real-estate sales, AMLR scope is not based on a value floor. For lettings, the trigger is monthly rent of at least EUR 10,000 for the property or single agreement: deposits, upfront payments, service charges and annualised value do not replace the monthly-rent test.

Where teams lose time

When a sale or letting is in scope, both sides are customers: buyer and seller, or landlord and tenant. Verification is expected after the offer is accepted and before funds or property transfer, so the file needs a clear gate rather than a loose inbox chase.

Typical files and mandate types

• Residential sales with private buyers and sellers needing quick identity and funds checks
• Commercial or investment-property deals where the buyer sits behind a company structure
• Lettings or sale mandates where multiple beneficial owners and intermediaries are involved

What Sceau does

• Sales in scope without a value floor; lettings tested on monthly rent only
• Buyer and seller, or landlord and tenant, tracked as separate customers
• Accepted-offer gate before funds or property transfer

What usually goes wrong

• Deals moving too fast for the evidence file to catch up
• Company purchasers whose beneficial owners are declared late or inconsistently
• Payment expectations that conflict with the cash ban or the client profile

How Sceau works in practice

• Send one onboarding flow to each relevant party and track outstanding items in one place
• Use the accepted-offer gate to complete CDD before funds or property transfer
• Check sanctions, open-source PEP signals, adverse media and the cash-payment prohibition before the transaction progresses

What changes operationally

• Agents can see immediately which side is holding up the file
• Compliance no longer depends on inbox chasing and scattered attachments
• The agency can demonstrate a consistent process across high-volume deal flow

What stays under your control

Sceau structures the file around the transaction itself. Every party, request, upload, screening result and review note sits under one matter so the agency can show what it checked before the sale progressed.