Crypto payment screening for real estate
One check at the point of payment, and a file the notary and the bank can read. A buyer offers to pay the reservation deposit in USDT. You do not need a view on crypto. You need to be able to show what you checked before you accepted it.
Estate agent, developer, or neither
These are three different positions, and it is worth knowing which one you are in. The EU's anti-money-laundering regulation names estate agents as obliged entities, including when they act as intermediaries in letting where the monthly rent reaches EUR 10 000. That regime applies from 10 July 2027. A developer selling its own units is not an intermediary, and whether it is caught depends on national law rather than on the regulation's own list.
That distinction decides how much programme you need. It does not decide whether you have to look at the payment. EU asset-freeze rules prohibit making funds or economic resources available to a designated person, and they bind every company constituted in a Member State and anyone doing business in the Union, with no threshold and no sector gate. A developer that is not an obliged entity is still bound by that prohibition, and so is its conveyancer.
In practice, the bank is the gatekeeper
The crypto rarely reaches you as crypto. It is converted, and the euros arrive from an exchange or a payment provider. At that point your bank asks where the money came from, and 'the buyer said it was his savings' will not get you a completion date. A document will, if it shows which address paid, that the transaction existed on-chain with that amount, that the address was screened against current sanctions data, and what you decided.
A notary, an auditor or a future buyer's lawyer needs the same document. Producing it takes one check at the right moment. Reconstructing it two years later usually costs the deal.
How KYTGate fits occasional crypto sales
Most agencies and developers need a handful of checks a year and something to file afterwards, rather than a platform. The free plan covers 50 screenings a month with no card. The sanctions and stablecoin-freeze tools on this site need no account at all. Each screening produces a signed Decision Receipt and an exportable evidence pack, which goes in the transaction folder like a search or a survey.
Some things are out of scope. KYTGate holds no buyer names or documents, does no identity verification and will not tell you who owns an address. It tells you whether an official list or a stablecoin issuer has something to say about the address, whether the payment you were told about is real, and what you decided, with the date and the data attached.
Three common situations
The paying address appears on a sanctions list
An exact match names the designating list and the designation the address is published under, in the publisher's own wording. The receipt records the snapshot it was read from.
Payment from an address the buyer never declared
On-chain verification compares the transaction you were given with what the chain says. A sender other than the declared one becomes a question on the case before the funds are treated as received.
The notary asks what you did
Export the evidence pack: a self-contained file with the inputs, the list snapshot hashes, the policy and the signature. Someone who trusts neither of us can verify it with a published key.
Best fit: estate agencies, developers and conveyancers who see crypto-funded purchases a few times a year and want one documented check on file rather than a compliance programme they will not use.
Still working out which obligations apply to you? Who must screen crypto payments sets out the two layers: sanctions, which bind every EU business today, and due diligence, which binds a defined list of sectors from 2027, with the source next to each row.
Decision-support software, not legal advice. Which obligations apply to you depends on your licence and structure; confirm with counsel.