Industries · Real estate
Take crypto for deposits and purchases. Close in clean euro
For agencies and developers selling to international buyers: accept a deposit or the full purchase in crypto against the invoice you already raise, hold the funds in regulated custody through the transaction, and settle to your account in euro in time for closing. KYC and source-of-funds run on the buyer, so the file stands up to the notary, the bank and the lawyer.
In brief
Can a buyer pay for property in crypto?
Yes. A buyer can pay a deposit or the full purchase in crypto when the agency or developer accepts it through a regulated provider rather than touching the coins directly. The buyer pays against your invoice, Xchange360 holds the funds in regulated custody through the deal, then converts and settles to you in euro at closing. KYC and source-of-funds checks run on the buyer, so the transaction carries a paper trail your notary and bank can accept.
The problem
The buyer holds stablecoins. The closing is in euro
More of your international buyers now hold real wealth in USDC and other crypto, and they want to put it into property. The deal still closes in euro through a notary and a bank that will ask exactly where the money came from. Taking coins into a personal wallet or a retail exchange leaves you exposed to a price swing between deposit and closing, with no clean fiat trail and a source-of-funds story no bank will sign off on. Turn the buyer away, and a cash-rich purchaser goes to the agency that found a compliant route first.
Accept the crypto, hold it in regulated custody, and settle clean euro at closing, with the compliance file built on the buyer.
How it works
How it works
Invoice the deposit or purchase
Raise the deposit or purchase invoice the way you do today, with a crypto payment option attached. Nothing changes in your sales or reservation process.
Buyer pays into regulated custody
The buyer clears KYC and source-of-funds, then pays in crypto or stablecoins. Funds settle into regulated custody and sit there through the deal, out of a personal wallet and off any retail exchange.
Value held through the deal
The position is held so a price swing between reservation and closing does not reprice the sale. You know what will land in euro before you reach the notary.
Settle clean euro at closing
We convert at execution and pay clean euro to your account in time for closing, with the compliance record attached to the transaction.
Why property firms use it
Crypto in, clean euro at closing
You never touch the coins
The buyer pays a regulated partner, not your agency wallet. You receive euro to your account, so your firm stays out of custody and off the exchange.
Held in regulated custody
Funds sit in regulated custody through the transaction, not in a personal wallet, and the held value is protected against a price swing before closing.
A source-of-funds file that stands up
KYC and source-of-funds checks run on the buyer before funds move, so the notary, the bank and the conveyancer get a documented origin, not a wallet screenshot.
Settle to euro in time for closing
We convert at execution and settle clean euro to your account on the closing timeline, across the cross-border corridors your buyers sit in.
Who it's for
- Agencies and brokerages selling to international buyers
- Law firms running crypto-funded closings for developer clients
- Property developers taking off-plan reservations and deposits
- Sellers of high-value property to crypto-wealthy purchasers
FAQ
Common questions
Does our agency ever hold or handle the crypto?
No. The buyer pays the regulated provider, funds are held in regulated custody, and you receive euro to your account. Your firm never takes coins into a wallet or onto an exchange.
How does this satisfy source-of-funds checks?
KYC and source-of-funds checks run on the buyer before funds settle, and the record travels with the transaction. Your notary, bank and conveyancer get documentation on where the money originated, which a wallet screenshot cannot provide. Availability depends on jurisdiction and eligibility.
What happens if the crypto price moves between deposit and closing?
The value is held through the deal, so a swing between reservation and closing does not reprice the sale. You know the euro amount that will settle before you reach the notary.
Can we take just the deposit in crypto, or the full purchase?
Either. You can accept a reservation deposit, a staged off-plan payment, or the full purchase price in crypto, all against the invoice you already raise, and settle each in euro.
Who receives the funds at closing: the agency, the client account or the notary?
We convert at execution and settle clean euro to the account you nominate in time for closing, which can be the agency, a developer account or a client/escrow account depending on how the deal is structured. Because the funds arrive as fiat with a compliance record attached, they can be routed to the party your closing process requires. Confirm the receiving account and disbursement with the desk so it matches how your notary expects the closing to fund.
What happens if the purchase falls through after the buyer has paid?
The funds are held in regulated custody through the transaction, so if the deal does not complete the money can be returned through the regulated route rather than being stuck on-chain or repriced by the market. Since KYC and source-of-funds checks already ran on the buyer, any return goes back to a verified party. Agree the refund conditions with the desk so your reservation and purchase terms reflect them.
Will our notary and bank accept a crypto-funded closing?
That is exactly what the regulated route is built for: the buyer never hands you coins, funds are held in regulated custody, and you settle clean euro with a documented KYC and source-of-funds trail that a notary and bank can accept, unlike a wallet screenshot. Acceptance still depends on your jurisdiction’s rules and each institution’s own policy, so involve your notary and bank early. Availability depends on jurisdiction and eligibility.
Does the buyer still need to prove where their crypto came from?
Yes. KYC and source-of-funds checks run on the buyer before funds settle, and the record travels with the transaction, so a buyer paying in crypto provides the same origin-of-wealth evidence any large property purchaser must. This is what turns crypto wealth into a purchase your compliance file can defend, rather than an untraceable transfer. The depth of checks scales with the size and jurisdiction of the deal.
Which countries and property markets is this available in?
The route is aimed at agencies and developers selling to international buyers, with settlement to a euro account and the compliance trail a notary-led closing needs. Availability depends on the jurisdiction of the property, the buyer and the receiving account, so coverage is confirmed per deal rather than promised everywhere. Talk to the desk about the markets and buyer nationalities you are selling to.
