Take crypto for property deposits and purchases. Close in fiat

Yes — a buyer can pay for property in crypto when the agency or developer accepts it through a regulated provider. The buyer pays against the deposit or purchase invoice; Xchange360 holds funds in custody, then converts and settles to the seller in fiat, with KYC and source-of-funds checks on the buyer.

Payments run through regulated entities with KYC/AML and source-of-funds checks on the buyer. Availability depends on jurisdiction and eligibility.

Real-estate agencies, brokerages, property developers and conveyancers handling international buyers.

Funds sit in regulated custody from deposit to closing and are converted to fiat at closing at an agreed rate, so the seller receives the fiat value the deal is priced in. The mechanics of how the held balance is valued and converted are set with the desk when the deal is structured. This keeps the agency or developer from carrying crypto volatility through the transaction.

KYC and source-of-funds checks run on the buyer through regulated entities before funds are accepted, tracing where the crypto originated. This gives the agency, developer and their lawyers the compliance trail expected for a high-value property transaction. Exact checks depend on jurisdiction and the deal.

Because funds are held in regulated custody rather than immediately paid out, a deposit can be handled according to the terms of the sale if the deal does not complete, including return to the buyer where the contract provides for it. How a refund is processed and in which currency is agreed with the desk when the deal is set up. This should be aligned with your conveyancer’s contract terms.

You raise the deposit or purchase invoice as normal and attach a crypto payment option; the buyer pays into custody, and reconciled fiat lands in your account for completion. The flow is designed to sit alongside your existing legal and closing process rather than replace it, so your conveyancer completes as usual on clean fiat. The desk will map the route to your closing steps.

Availability depends on jurisdiction, licensing and eligibility, and settlement is into the fiat currency you close in across supported corridors. Cross-border buyers are a core use case, but the exact markets and currencies for a given deal are confirmed with the desk. Talk to us about the buyer’s location and your closing currency.

Yes. The crypto option can be attached to just the deposit, just the purchase, or both, so a buyer can pay a deposit in crypto and complete the balance by conventional means if that suits the deal. The structure is agreed with the desk up front. This lets you accommodate crypto-funded buyers without changing how the rest of the purchase is funded.