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Velia is the compliance platform for real estate agents across Europe. Due diligence, checks and documentation, in one place.

The EU Anti-Money Laundering Regulation, AMLR

Built for Europe

Built for AMLR. Built for realtors.

From July 2027 the EU's Anti-Money Laundering Regulation (AMLR) replaces national rules with one directly applicable rulebook across the union. Velia is built around what it asks of real estate agents: customer due diligence, risk assessment and documentation in one traceable flow.

The whole chain in one system.

For agents

KYC in every deal: eID checks, the customer's answers, the risk indicators and your assessment, documented in one place.

For agents

VEL-470 Klostergatan 3

Due diligence, seller

The property

UPPSALA FJÄRDINGEN 20:3

The partiesSend reminder

Per Gustav Lindqvist SV ID check Answers received Anna Margareta Lindqvist SV ID check Answers received

About the deal

Questions about the dealall parties on the page Answers received

Overview

Two sellers, married, who have owned the home since 2024 and are selling to move to Oslo. The proceeds go to a joint account in Norway. No hits in the screening.

Summarised by AI from the customers' answers, the screening and the register. Point at a sentence to see what it is based on.

Risk indications (3)

High Per Gustav Lindqvist Short holding period (under 12 months) From the office's documents

Property held for less than two years, or one year for a tenant-owned apartment, calls for questions about the reason for the sale and how the purchase was financed.

Elevated Anna Margareta Lindqvist The seller lives abroad From the office's documents

A customer resident outside Sweden is assessed as elevated risk. The destination of the funds and the account holder are documented before the proceeds are paid out.

Elevated Per Gustav Lindqvist Proceeds paid to an account outside Sweden From the office's documents

Payment to a foreign account requires that the account holder is a party to the deal and that the account is verified against a statement.

For organisations

Internal control in one place: high-risk cases, approvals, monitoring and the office's registers, with what is new and what needs action.

For organisations

Internal control

From the cases High-risk assessments 2 1 Unacceptable risk Approvals 2 Monitoring

The office's registers Blacklist Incident log 1 GoAML Prohibition notices Threats & retaliation Training attendance

For lawyers

Every office you advise in one place: the risk assessment, the cases and the statistics.

For lawyers

Compliance Central / Stjern & Kvist / Uppsala Wallin & Berg Juristbyrå EW Elin Wallin

Stjern & Kvist

Uppsala

Office at the client Stjern & Kvist Fastighetsmäkleri. Access since 3 February 2026, granted by Anders Dahl.

Overview Cases 77 Statistics

Risk level 77 cases

Low 44 % (34)Normal 49 % (38)High 4 % (3)Not assessed 2

Engagement type Share of engagements

Brokerage 88 %68 of 77 Drafting only 8 %6 of 77 Valuation 4 %3 of 77

Property type Share of properties

Apartment 53 %41 of 77 House 35 %27 of 77 Holiday home 6 %5 of 77 Plot 3 %2 of 77 Commercial and other 3 %2 of 77

Customer type Share of customers

Individual, Sweden 90 %118 of 131 Individual, EEA 3 %4 of 131 Individual, outside the EEA 1 %1 of 131 Estate 5 %6 of 131 Limited company 2 %2 of 131

Special circumstances Share of engagements

Power of attorney 12 %9 of 77 Guardian or administrator 3 %2 of 77 Related parties 14 %11 of 77 PEP or close to a PEP 1 %1 of 77 High-risk industry 3 %2 of 77

In numbers

The hard questions, without the awkward conversation.

Complete case file

6 hours

Median time from sending until every party has answered.

The customer’s effort

7 minutes

Median time for the customer to answer the questions.

Features

One platform for all of due diligence.

  Population Residence Stockholm, since 2014  Companies Beneficial owner Registered, 1 person  Land register Title deed Acquired 2019-06-14  Sanctions lists EU, UN No hits  Population Address Registered at address  Companies Roles Board member, 2 companies  Companies Signatories Two jointly  PEP register Politically exposed No hits  Land register Mortgages SEK 4,850,000  Population Relatives 3 persons  Companies Trading bans None registered  Companies Ownership chain 3 levels, Sweden and Norway  Population Foreign address None  Land register Property Danderyd Kevinge 5:12  PEP register Related to PEP No hits  Companies Registrations F-tax, VAT, employer  Population Residence Stockholm, since 2014  Companies Beneficial owner Registered, 1 person  Land register Title deed Acquired 2019-06-14  Sanctions lists EU, UN No hits  Population Address Registered at address  Companies Roles Board member, 2 companies  Companies Signatories Two jointly  PEP register Politically exposed No hits  Land register Mortgages SEK 4,850,000  Population Relatives 3 persons  Companies Trading bans None registered  Companies Ownership chain 3 levels, Sweden and Norway  Population Foreign address None  Land register Property Danderyd Kevinge 5:12  PEP register Related to PEP No hits  Companies Registrations F-tax, VAT, employer  

  Population Residence Stockholm, since 2014  Companies Beneficial owner Registered, 1 person  Land register Title deed Acquired 2019-06-14  Sanctions lists EU, UN No hits  Population Address Registered at address  Companies Roles Board member, 2 companies  Companies Signatories Two jointly  PEP register Politically exposed No hits  Land register Mortgages SEK 4,850,000  Population Relatives 3 persons  Companies Trading bans None registered  Companies Ownership chain 3 levels, Sweden and Norway  Population Foreign address None  Land register Property Danderyd Kevinge 5:12  PEP register Related to PEP No hits  Companies Registrations F-tax, VAT, employer  Population Residence Stockholm, since 2014  Companies Beneficial owner Registered, 1 person  Land register Title deed Acquired 2019-06-14  Sanctions lists EU, UN No hits  Population Address Registered at address  Companies Roles Board member, 2 companies  Companies Signatories Two jointly  PEP register Politically exposed No hits  Land register Mortgages SEK 4,850,000  Population Relatives 3 persons  Companies Trading bans None registered  Companies Ownership chain 3 levels, Sweden and Norway  Population Foreign address None  Land register Property Danderyd Kevinge 5:12  PEP register Related to PEP No hits  Companies Registrations F-tax, VAT, employer  

Screening

Each party is screened against PEP and sanctions lists and the open registers applicable in your region. What the registers say is placed next to the customer's own answers, and differences are surfaced for the agent to assess.

PEP and sanctions lists
Population register
Companies, officers and beneficial owners
Bankruptcies and trading bans
Title deeds and holding period

Financing

What share of the purchase is financed by a mortgage at the time of purchase? (%)*

How is the part of the purchase not covered by the mortgage paid?*

Tick one or more

Own savings

Sale of a home

Gift

Inheritance

Private loan

Sale of shares/funds/securities

Sale of other property

Other

Cryptocurrency

About the gift

Has the money already been transferred to your account?*

Select… Yes

When was the gift transferred to your account?*

Month

Year

Where is the gift money right now?*

Select… In an account outside Sweden

Why is the money in an account outside Sweden?*

Forms

One form per party, adapted to whether the customer is an individual, a company or an estate, and to the type of engagement. Follow-up questions open from the answers, so the customer only sees what applies to them.

ID check

eID

Velia supports European eIDs. The customer identifies with their own country's eID on their phone.

All other countries

The customer uploads a certified copy of their ID document, via a notary public where needed. The agent records which method was used, and it follows the file.

ID card Passport

Customer portal

The first thing the customer sees of the deal should feel professional. The portal carries the chain's logo and image, not Velia's, and shows clearly what is waiting, what is done and what is needed right now. One link, on their phone or computer.

Just want to reach out?

070-948 00 07 support@velia.se

Contact

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