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For real estate agents
Check buyer and seller before the money moves
Verify both parties remotely, collect their AML answers and documents, and sign the brokerage agreement, on one record per deal.
From 10 July 2027, the EU AML Regulation makes agents check both buyer and seller.
Download the deal file
Sound familiar?
The client flinches when you ask for ID
INBOX
Photo of passport attached
From the buyer
A photo of an ID isn't a check.
A picture shows you have a document, not that the person holds it.
ID scan and liveness check on the client's phone.
PHONE NOTE
Why do you need to know where my money comes from?
Buyer, during the viewing
Clients question the source-of-funds questions.
Swedish agents report clients asking why the agent needs to know where the money comes from.
A neutral questionnaire the client fills in privately.
SUPERVISOR
Inspection: risk assessment missing
Finding
Inspectors find gaps at agencies.
Sweden's estate-agent supervisor sanctioned 4 agencies and 17 individual agents in 2025.
The risk assessment is saved with every deal.
The rules
Supervisors are checking agencies now
AMLR Article 19(6)
Both parties are your customers
Under the EU AML Regulation, estate agents must check both buyer and seller.
AMLR Article 23
After the offer, before the money
Verification happens after the seller accepts an offer, and before any money or property moves. Lettings count from €10,000 a month in rent.
Sweden · 2025
SEK 2.2 million
The sanction fee the Swedish estate-agent supervisor set for one agency in 2025.
The EU AML Regulation applies from 10 July 2027.
See how Trust Circle maps to AMLR, article by article →How it works for a new deal
One deal, both parties verified
- 01
Add both parties to the deal
Seller and buyer each get one secure link.
- 02
Each verifies once
ID document scan and liveness check on their phone. Valid for 2 years.
- 03
They answer your questions
Source of funds, PEP status and sanctions, scored into a risk level.
- 04
Sign the brokerage agreement
In the ZealiD app, with a qualified electronic signature.
The sale itself still goes through a notary or the land registry.
KYC
A deal file your supervisor can read
Every party shows identity status, KYC status and risk level, kept with the deal.
Document sharing
Deal documents with the right people only
Each deal gets a Trust Circle for the brokerage agreement, statements and proof of funds. Only verified members can open a file.
Pricing
Two plans for agencies
Professional + KYC add-on
€119.20 a month, billed yearly
+ €100 a month for KYC
- Up to 10 users
- 75 QES a month
- KYC questionnaires, risk scoring and automatic renewal
Starter
€39.20 a month, billed yearly
- Up to 3 users
- 15 QES a month
- DocuSign, Adobe and Microsoft integrations
- No KYC questionnaire
Identity verification is included in every plan, with no fee per check. See all plans →
For your IT and security review
Answers your security team will ask for
- ZealiD AB is a Qualified Trust Service Provider on the EU Trusted List (Sweden)
- Supervised by the Swedish Post and Telecom Authority (PTS)
- Audited every year by TÜViT, an accredited eIDAS conformity assessment body
- Documents stored in Stockholm, EU
- Client consent recorded
ZealiD AB
QUALIFIED TRUST SERVICE PROVIDER
Check your next buyer before the offer is signed
Verify both parties and keep the file, in one place.
FAQ
Questions from estate agents
Do I have to check both parties?
Yes. Under the EU AML Regulation, estate agents treat both buyer and seller as customers (Article 19(6)), from 10 July 2027.
When do I have to check them?
After the seller accepts an offer, and before any money or property is transferred (Article 23).
What about lettings?
Lettings are covered when the monthly rent is €10,000 or more.
Can we sign the purchase contract with a QES?
No. In Germany, France and the Netherlands the sale needs a notarial deed, and Sweden still needs a handwritten signature. Brokerage agreements are different: in Germany they need text form only (BGB §656a).
Does identity verification cost extra?
No. It is included in every plan, from Micro to Enterprise, with no limit on how many people you verify. The person verifying doesn't pay either. A verification stays valid for 2 years.
More questions? See all answers on ZealiD Answers →