REAL ESTATE PAYMENT AUTOMATION
Real estate payments and fiscal obligations,
automated and non-custodial.
Cuandeoro is a technology platform that coordinates real estate transactions and the payment of taxes, notary fees, and commissions via blockchain technology, using regulated providers and SEPA transfers.
The Value Proposition
Real estate professionals don't need more complexity — they need certainty: guaranteed payments, automated tax compliance, and instant settlement. Cuandeoro is built to streamline the financial closing of property deals with auditable transparency.
WHO IT’S FOR
Agencies & Developers
Real estate agencies, property developers and legal firms seeking to automate payment flows with improved transparency and operational controls.
WHAT YOU GET
Automated Settlement
A clear closing process: funds are verified, taxes are withheld automatically, and all parties are paid simultaneously via smart contract logic.
WHY IT MATTERS
Transparency & Speed
Faster settlement and clearer audit trails for the transaction workflow. Technology supports the process — it doesn’t replace the asset.
Metrics (placeholders)
Replace these with verified numbers as soon as you have them.
[€X]
Assets under review
[N]
Pipeline deals
[N]
Partners / advisors
[Q]
Reporting frequency
Informational only. Targets and placeholders are not guarantees.
How It Works (without the jargon)
The workflow is simple: select assets, underwrite, invest, report, and settle. The technology layer exists to reduce friction and improve auditability.
STEP 1
Asset Selection
Deal screening, documentation, and underwriting assumptions are packaged up-front.
STEP 2
Due Diligence
Legal, technical, and financial checks. Risks are disclosed and tracked.
STEP 3
Invest & Receive Reports
Structured reporting cadence (monthly/quarterly) for performance and events.
STEP 4
Settle
Settlement and recordkeeping designed to be verifiable and audit-ready.
Legal, Risk & Transparency
Serious investors require clear documents. Cuandeoro’s approach is to publish the essentials and provide a due-diligence pack on request.
Public Documents
- • Whitepaper (overview + operating model)
- • Risk disclosure
- • Terms, Privacy, Cookies
Due Diligence Pack (on request)
- • Deal-specific underwriting + assumptions
- • Token structure: rights, obligations, disclosures
- • KYC/AML process outline
- • Jurisdiction and governance overview (Ireland)
Send a request via the contact section.
Technology (Secondary)
The tech exists to support the programme: settlement, controls and auditability. Start with the deal and the disclosures; review this section second.
DESIGN
Pipeline Principle
A design that aims to be verifiable: movements can be tracked, surfaced and audited on-chain.
LEGAL
Irish LTD Structure
Micro-entity classification under FRS 105, 12.5% corporate tax, audit exemption for cost efficiency.
GOVERNANCE
Board in Ireland
Place of Effective Management (POEM) in Ireland. Quarterly board meetings in Dublin.
OPERATIONS
Non-Custodial
We do not custody funds or private keys. Client assets remain under client-controlled custody.
SETTLEMENT
3-5 Second Finality
Stellar settlement in seconds. Transaction costs in fractions of cents (drops), not euros.
SECURITY
Cold Wallet Integration
XLM hybrid token contracts secured via hardware wallet integration for maximum security.
Stellar Pipeline
Stellar provides settlement and public verifiability. The institutional layer defines rights, disclosures and operational constraints — translating Ripple-grade rails into a programme structure investors can audit.
INSTITUTIONAL
Non-Custodial by Design
We do not custody funds or private keys. Client assets remain under client-controlled custody; our role is software, policy controls and execution tooling.
OPERATIONS
Audit-Ready Workflows
On-chain settlement plus structured reporting supports due diligence, controls and traceability — without "black box" custody.
REAL ESTATE
Curated & Access-Controlled
Our property programme is intentionally selective: a curated portfolio with documented due diligence, designed to inspire confidence in each transaction.
Multi-Sig Escrow Flow (2-of-3)
1. Tokenize
Seller mints XLS-20 NFT
2. Escrow
Buyer locks XLM/EUR
3. Condition
SHA-256 preimage lock
4. Oracle
Realtor holds key
5. Settle
Atomic swap + fee split
Utility token contract on Stellar designed for platform access and governance.
80%
Protocol Treasury & Ecosystem Expansion
10%
Network Liquidity Provision
5%
Team & Operations (Vesting)
5%
Community & Incentives
Regulatory Notice: The XLM token is a utility instrument for accessing the Cuandeoro software platform. It does not represent equity, debt, or a claim on assets. Past performance of digital assets is not indicative of future results.
XLM Hybrid Contract Architecture
● Native Stellar issued currency (XLM)
● Cuandeoro name association on-ledger
● Hardware wallet signing (Cold Wallet)
● Multi-signature governance controls
● Escrow-linked token releases
● Transparent supply verification
Roadmap
Strategic phases aligned with Irish public funding programmes.
PHASE 1 — Months 1-3
Establishment & Disclosure
- • Establish Irish LTD (Micro-entity)
- • Innovation Voucher (€5k) application
- • University blockchain audit partnership
- • First board meeting in Dublin
- • Publish whitepaper and governance docs
PHASE 2 — Months 3-6
Asset Onboarding
- • Feasibility Grant (€15k) from LEO
- • MVP on Stellar Testnet
- • Double Escrow pattern implementation
- • Cold Wallet integration testing
PHASE 3 — Months 6-12
Scaling & Reporting
- • Priming Grant (€40k+) application
- • First closed-circuit transaction
- • Mainnet deployment
- • Expand audits and verification
- • Enterprise Ireland HPSU track
Contact
For enquiries, use the addresses below. For assumptions and risk disclosures, start with the Whitepaper. For institutional due diligence (including pension and fund mandates), we can provide technical documentation describing our non-custodial operating model and controls.