Identity Verification for Real Estate

Verify tenants, investors, and corporate entities in minutes. Identity checks, UBO identification, document verification, and AML screening — all from one platform.

Live demo

Verify any tenant or investor in under 2 minutes

Watch the full KYC journey — link, document capture, liveness and AML screening, all from the user's phone.

9:41●●●

Message · UrbanPay

Verify your identity to sign the contract

Takes under 2 minutes from your phone. Have your ID or passport ready.

Identity document

Selfie with liveness check

Result in seconds

Start verification

• 1Verification link
• 2Capture your ID
• 3Liveness check
• 4Verified

PauseRestart

Delivery channels

Delivery channels

Reach your users wherever they already are.

curl -X POST https://api.urbanpayx.com/v1/kyc/sessions \
  -H "Authorization: Bearer $URBANPAY_API_KEY" \
  -d '{ "type": "individual", "email": "[email protected]" }'

Real estate transactions involve people and companies. A tenant signing a lease. A corporate landlord collecting rent through an SPV. An investor committing capital through a crowdfunding platform. A property developer purchasing land through a holding structure.

European regulation requires you to verify all of them — individuals through KYC (Know Your Customer) and businesses through KYB (Know Your Business). Most platforms force you to bolt together separate tools for each. UrbanPayX handles both in a single platform, connected directly to your payments, e-signatures, and property management workflows.

Individual Verification — KYC

The tenant onboarding bottleneck

Onboarding a new tenant still means collecting scanned documents via email, manually comparing photos to faces, recording information in spreadsheets, and screening names against AML watchlists. This process takes 3-5 days per tenant. Fraudulent identities slip through manual review. Regulatory audits demand proof that proper due diligence was performed — spreadsheets and email attachments do not satisfy regulators.

UrbanPayX KYC automates identity verification, document capture, and sanctions screening. A tenant uploads their ID. The system verifies the document's authenticity, matches the photo to the tenant's face via liveness detection, performs sanctions and PEP screening against 500+ global watchlists, and completes the process in 60-120 seconds. You see a pass/fail result with zero manual review needed.

How KYC works

• •Step 1 — Document capture. The tenant uploads their primary identity document. UrbanPayX accepts documents from 195+ countries in 100+ languages.
• •Step 2 — Document authenticity. AI-powered checks verify security features, expiration dates, format compliance, and known forgery patterns.
• •Step 3 — Biometric face matching. The system compares the document photo to a live selfie. Advanced liveness detection at 99.7% accuracy.
• •Step 4 — Sanctions and PEP screening. Name, date of birth, and nationality are screened against 500+ watchlists: EU sanctions, OFAC, UN designations, PEP lists, and global AML databases.
• •Step 5 — Result and audit trail. Every verification generates an immutable audit trail that satisfies AML6 regulatory requirements.

90 seconds average verification time (vs. 3-5 days manual) · 99.7% biometric matching accuracy · 500+ global watchlists · 195+ countries and 100+ languages · 85-95% mobile completion rate.

Business Verification — KYB

The corporate blind spot

Most property companies verify individuals but leave corporate entities unverified — or rely on a single company registration lookup and call it done. This is where real AML risk lives.

A corporate tenant paying rent through a holding company. An investor committing €500,000 through a Luxembourg SPV. A property developer purchasing land through a chain of subsidiaries. Without proper KYB verification, you have no visibility into who actually controls these entities, whether the beneficial owners are sanctioned or politically exposed, or whether the corporate structure is designed to obscure illicit fund flows.

The EU's Anti-Money Laundering Regulation (AMLR), applicable from July 2027, makes this explicit: obliged entities must identify and verify the beneficial owners of corporate clients. For real estate — consistently ranked as one of the highest-risk sectors for money laundering — this is not optional.

UrbanPayX KYB verification identifies the business, maps its ownership structure down to the ultimate beneficial owners, verifies corporate documents, and screens every entity and individual in the chain against AML databases. The entire process runs through the same platform as your KYC, payments, and e-signatures.

How KYB works

• •Step 1 — Entity identification. Validate the entity against official commercial registers across 100+ jurisdictions: legal existence, registration status, registered address, and incorporation date.
• •Step 2 — UBO identification. Map the ownership structure to identify all Ultimate Beneficial Owners (25%+ EU threshold). Multi-layered structures are unwound with no depth limit. Trusts, nominees, and offshore structures are traced.
• •Step 3 — Corporate document verification. Articles of incorporation, shareholder registers, certificates of good standing, proof of registered address, and board resolutions, verified with the same AI used for individual identity documents.
• •Step 4 — AML and sanctions screening. Every entity and every UBO is screened against EU and national sanctions lists, OFAC, UN designations, PEP registers, and adverse media. Ongoing monitoring after initial verification.
• •Step 5 — Risk assessment and audit trail. Risk assessment based on jurisdiction risk, ownership complexity, PEP/sanctions exposure, and industry classification. Immutable audit trail accessible from your dashboard.

100+ jurisdictions · 25% UBO threshold aligned with EU AMLD · Multi-layer ownership unwinding (no depth limit) · Ongoing monitoring · Single dashboard alongside KYC, payments, and e-signatures.

Why unified verification matters

Most platforms offer KYC or KYB. Rarely both. Almost never connected to payments.

UrbanPayX connects identity verification directly to payment capability. An individual or business cannot make a payment or receive a disbursement until their verification status is “approved.” This creates a compliance chain that regulators can audit end-to-end: verified identity → signed agreement → processed payment → audit trail.

For a crowdfunding platform, this means no unverified investor — individual or corporate — can commit capital. For a property manager, every tenant and corporate landlord paying rent is identity-verified. For a developer, every buyer deposit is linked to a verified purchaser, whether that purchaser is an individual or a holding company.

This is not just good compliance practice. Under the ECSP Regulation for crowdfunding and the forthcoming AMLR for real estate broadly, it is a regulatory requirement.

Use cases

• •Corporate tenant onboarding. A Berlin property management company leases 30% of its units to corporate tenants. UrbanPayX KYB validates the entity, identifies the UBOs, screens all parties, and stores the complete audit trail. Lease activation is automatic upon verification.
• •Crowdfunding investor verification. Individuals via KYC (90 seconds); corporate investors — SPVs, family offices, investment funds — via KYB. Both gate payment capability. A single compliance dashboard for all investors.
• •Cross-border property acquisition. A German individual buyer completes KYC. A Luxembourg holding company purchasing three units goes through KYB — entity validation, UBO identification (tracing through two layers of ownership), and AML screening. The developer sees both verifications in one dashboard, linked to the corresponding escrow accounts and e-signed purchase agreements.
• •Portfolio AML audit. A fund with 200 corporate tenants and 5,000 individual tenants: UrbanPayX generates a single compliance report covering all KYC and KYB verifications, with timestamps and audit trails. What would take weeks manually, available in hours.

Want to go deeper? Read the complete KYB compliance guide for real estate, see the pricing page, or explore related products: instant payments, contract signing, and escrow accounts.