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01
Screening
Each party is screened against PEP and sanctions lists (EU, UN, FSA) via Trapets. Hits are surfaced for the agent to assess.
In partnership with 
Customer due diligence for real estate agents.
A structured system that supports customer due diligence, analysis and documentation, designed to help agents and brokerages work more consistently, traceably and grounded in current regulations.
Velia collects information, structures documentation, flags anomalies and helps the agent document their analysis.
This makes it easier to work correctly, follow up on risks and be better prepared for review.
How it works
Six steps, one connected flow
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02
ID check
Identity is verified with BankID. Name and personal ID number are confirmed for every party in the deal.
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03
Form
The customer fills in details about themselves and the deal. Answers arrive structured and traceable with the agent.
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04
AI analysis
Answers are checked against your general risk assessment. Discrepancies and relevant points are surfaced with citations to the source.
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05
Assessment
The agent sets the risk level and writes their analysis. The human decides, never the AI.
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06
Report
Everything is collected in a traceable report, ready for the CRM and any review.
KYC regulations
What is customer due diligence and what is required of you as an agent?
KYC, or customer due diligence, is a statutory process that every registered real estate agent in Sweden must carry out under the Act (2017:630) on measures against money laundering and terrorist financing. It means identifying the customer, assessing the risk profile and documenting the measures and assessments made before a listing agreement is signed with a seller and before a purchase contract is entered into with a buyer.
Below you will find the laws, regulatory provisions and international guidelines that govern your work, linked directly to their official sources.
Laws and regulations
Laws
Act (2017:630) on measures against money laundering and terrorist financing
The primary act that imposes obligations on real estate agents regarding risk assessment, customer due diligence and reporting. Real Estate Agents Act (2021:516)
Governs registration, supervision and professional liability for real estate agents. Gives the Swedish Estate Agents Inspectorate (FMI) the right to impose sanction fees for non-compliance. Act (2017:631) on the registration of beneficial owners
Requires legal entities to report beneficial owners to the Swedish Companies Registration Office. Agents are obliged to check the register as part of the customer due diligence process. FMI supervisory data
FMI — Search supervisory rulings (searchable database)
The Swedish Estate Agents Inspectorate searchable database of all supervisory rulings and case law against registered agents. FMI — Sanctions
Description of all disciplinary measures FMI can decide on: reprimand, warning, deregistration and sanction fees. Security & data
How data is stored, protected and regulated in Velia.
GDPR
- Data storage
- Within the EU, data center in Finland.
- Third-country transfer
- EU Standard Contractual Clauses (SCC).
- AI models
- Never trained on your data.
- Audit log
- Immutable, every action logged.
Primary storage is within the EU (Finland). Sub-processors that process data outside the EU/EEA, such as Anthropic and Resend, are governed by the European Commission's Standard Contractual Clauses. A full list is available in the sub-processor list.
Velia's application and database run on Hetzner in their ISO 27001-certified data center in Finland (EU).
All traffic is protected with TLS (TLS 1.3; older versions are rejected) and HSTS. Data is stored with our infrastructure provider within the EU.
Your customers identify themselves with BankID. Staff log in with email and password, with automatic lockout after repeated failed attempts.
Velia uses Anthropic's Claude for the AI-assisted analysis. Anthropic does not train its models on your data, and data is generally deleted at the provider within 30 days.
Velia is a data processor for you under Article 28. We have a data processing agreement, a record of processing activities (RoPA), a data protection impact assessment (DPIA) for the AI support, and a public list of sub-processors.
Velia is a data processor, not a data controller. Responsibility for customer due diligence and regulatory compliance rests with you as the brokerage. Supervision of the KYC work is directed at you, not at Velia.
Daniel Stjernkvist
CEO & Founder
About us
Our vision
A home transaction is one of the largest transactions in a person's life. That places high demands on structure, clarity and trust in every part of the process.
The agent's strength lies in judgement, responsibility and relationships. A well-designed system should contribute structure, traceability and support in the documentation, without taking over the assessment that must always be made by the agent.
Our vision is to give agents and brokerages more thorough support in their work with customer due diligence, risk assessment and documentation. The work needs to be carried out in a structured, consistent manner and in step with current requirements, in an environment where it is easier to follow up, document and analyse each transaction. This is close both to how the industry's new customer due diligence forms are intended to be used and to how the focus in practice has shifted towards analysis, follow-up and documentation.
By reducing uncertainty, clarifying risk indicators and automating repetitive tasks, we want to free up time for what truly requires the agent's genuine expertise: assessment, advice and accountability in the transaction.
Together with Sweden's agents, we want to contribute to a higher standard for how customer due diligence and brokerage work function in practice, where every agent gets better tools and better conditions to do their work with quality, structure and independent judgement.
In partnership with
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