Luxury goods, vehicles, boats and aircraft can become AML files when value, cash or suspicion crosses the line.

Why it matters

High-value dealers need to sell quickly while proving who is behind the buyer, how payment arrives and whether the item category changes the threshold.

Where the scope gets real

Sceau treats jewellery, watches, precious goods and luxury items around the EUR 10,000 line, vehicles around EUR 250,000 and boats or aircraft around EUR 7.5 million. Cash of EUR 3,000 or more and suspicion trigger review regardless of comfort.

Where teams lose time

The work is practical: identify buyer and seller, record the item and value, screen the parties, understand source of funds, resolve cash and keep evidence of provenance or ownership where the item demands it.

Typical files and mandate types

• Luxury watch or jewellery sales around the high-value threshold
• Classic or premium vehicle sales with companies or third-party payors
• Boat, aircraft or cross-border luxury transactions

What Sceau does

• Category-specific thresholds
• Cash review at EUR 3,000+
• Sale gate for CDD, screening, provenance and funds

What usually goes wrong

• Different thresholds being remembered from memory instead of the file
• Cash treated as a payment preference rather than a review trigger
• Seller or ownership evidence missing for high-risk items

How Sceau works in practice

• Classify the item category and value threshold
• Collect party, payment, provenance and ownership evidence
• Record sale completion only after the gate is clear

What changes operationally

• Staff get one clear answer: ready, blocked or evidence-only
• Threshold and cash logic are visible on the file
• Inspection packs show why the sale was accepted

What stays under your control

The high-value goods workspace turns every sale into a controlled gate, with blockers for missing CDD, screening, source-of-funds, provenance, ownership and cash review.