AMLR 2027 — are you ready?

Due diligence under Ley 10/2010 — digital, not on paper

Doxario digitises KYC/AML checks for real estate businesses in Spain. You focus on the transaction — Doxario supports the structured fulfilment of the obligations and their documentation.

The problem we solve

Hours of manual work

Collecting documents, checking identities and filing results takes hours that are missing when you close a deal.

Risk of non-compliance

Anyone acting commercially as a property agent in Spain is a sujeto obligado (obliged entity under Ley 10/2010). Where due diligence obligations are not met, SEPBLAC can impose sanctions.

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No audit trail

Documents in the inbox, screenshots, unsorted folders — with no verifiable archive evidencing the checks you carried out.

How Doxario works

1

You send the buyer a link

Generate a personal link from the dashboard. The buyer receives it by email or WhatsApp.

2

The buyer completes the check

Identity check, AML/PEP screening and signature — entirely from a phone.

3

You receive the result with an evidence archive

Verification result with an eIDAS timestamp and a structured, exportable evidence archive.

Key date

10 July 2027 — the AMLR takes effect

The European anti-money-laundering regulation (AMLR) will then apply directly in all member states. Estate agents are explicitly named as obliged entities under Art. 3(3).

FAQ

Does Spanish anti-money-laundering law apply to my agency?

Yes. Estate agents are named in Art. 2.1 lit. l) Ley 10/2010 as sujetos obligados (obliged entities). What counts is where the agency work is carried out — not the company's language or the clients' nationality. An agency operating in Spain falls under Ley 10/2010 and its due diligence obligations (diligencia debida), even if most of its clients come from abroad.

What happens if I do not meet these obligations?

SEPBLAC can impose sanctions. The amount is graded by severity: minor breaches up to €60,000, serious breaches up to €5,000,000, very serious breaches up to €10,000,000 or 10 % of annual turnover (Art. 56–58 Ley 10/2010).

Can the check be completed on a phone?

Yes. The entire buyer flow is designed for mobile use.

Ready to simplify your compliance?

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