How It Works

    KYC/CDD Onboarding in 5 Simple Steps

    PropComply streamlines your entire AML onboarding process — from initial client invitation to secure document sharing with transaction parties.

    01

    Client KYC/CDD Invitation

    User sends a secure, branded KYC/CDD invitation to the client — only the client's name and email are needed to generate a new KYC.

    • Seconds for user to generate a client invitation
    • Choose between Initial KYC/CDD or Full KYC/CDD
    • Select different client types and client roles
    • Branded with your company details
    • Secure, unique link per client
    02

    Client KYC/CDD Data & Document Collection

    Clients submit their KYC/CDD data, ID documents, proof of address and source of funds securely from any device.

    • Client can complete and submit KYC/CDD in minutes
    • Built-in client onboarding journey guidance
    • Guided document upload
    • Secure encrypted storage
    • Progress tracking
    03

    Client Risk Assessment

    PropComply automatically suggests a client risk level based on screening results and the Spanish NRA MLTF risk model.

    • Automated suggested risk level generated by the system
    • PEP screening
    • Global sanctions screening
    • Watchlist screening
    • Built-in user guidance
    04

    Review & Approve

    Review risk factors and indicators, resolve and mitigate risks, and confirm the final user risk level decision.

    • Review risk factors and indicators
    • Resolve and mitigate risks
    • User risk level decision
    • AML compliant
    • Internal notes & annotations
    05

    Secure KYC Sharing

    Share the client's submitted KYC with other obligated parties involved in the transaction — with full audit trail.

    • Share with other obligated parties in the transaction
    • Permission-based access
    • Time-limited sharing
    • Complete audit trail
    • GDPR compliant
    06

    Suspicious Activity & Report Generator

    Identify suspicious activity with built-in risk indicator guidance and generate the required regulatory reports automatically.

    • Suspicious activity risk indicator guidance
    • Automated suspicious activity report generator (SEPBLAC F19-1)
    • Escalation workflows
    • Audit-ready report history

    Built for Real Estate Transactions

    Every feature is designed around the specific needs of real estate professionals dealing with international clients.

    Mobile-First

    Clients complete onboarding from any device, anywhere in the world.

    Smart Documents

    Automatic validation and organized storage of all KYC/CDD documents.

    Risk Alerts

    Instant notifications for PEP matches, sanctions hits, or high-risk indicators.

    Audit Trail

    Complete, timestamped log of all actions for regulatory inspections.

    FAQ

    Frequently Asked Questions

    Practical answers about KYC/CDD onboarding in Spanish real estate.

    How does KYC/CDD onboarding work in PropComply?

    The user sends a secure, branded KYC/CDD invitation to the client. The client submits identity, address, beneficial ownership and source-of-funds documents from any device. PropComply screens against PEP, sanctions and watchlist data and suggests a risk level aligned with the Spanish NRA MLTF model. The user reviews, mitigates and approves, then securely shares the file with other obligated parties in the transaction — with a full audit trail.

    What documents are required for property buyer KYC in Spain?

    Typically: government-issued ID (passport or DNI/NIE), proof of address, beneficial ownership information for corporate clients, source of funds evidence (bank statements, sale of asset, inheritance, business income), and Enhanced Due Diligence documentation for high-risk clients or PEPs. PropComply collects these in a guided client journey.

    Does PropComply replace my AML responsibility?

    No. PropComply is infrastructure that supports compliance — it helps you operationalise KYC/CDD, document decisions and maintain an audit trail aligned with Ley 10/2010 and GDPR. Each obligated subject retains independent responsibility for its own AML decisions.

    Can the same KYC file be reused by lawyers, developers and banks?

    Yes. PropComply is designed for secure, permission-based sharing between parties in a transaction. Each receiving party still performs its own independent AML assessment, but starts from a structured, verified file instead of asking the client for documents again.

    Ready to Get Started?

    See how PropComply can transform your client onboarding process. Get Free Access today for a personalized demonstration.

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