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Live · in developmentOverseas property payments

Your money crosses borders. Why not your credit history?

Finpass links every overseas property instalment to its contract — whatever rail the money travels on — confirms it with the bank, never a screenshot, and turns on-time payments into a financial passport that travels with you.

For buyers paying for land, a home or a build from another country, and for the developers and agencies that sell to them — including to their own nationals living abroad.

For agencies How it works
FINANCIAL PASSPORT · PASSAPORTE FINANCEIRO · PASAPORTE FINANCIEROFinpass
Holder / Titular
SOUZA, MARIA
Contract / Contrato
HORIZONTE · 804
Instalment / Parcela
37 / 120
Amount paid / Valor pago
R$ 2,450.00
Confirmed by / Confirmado por
AGENCY’S BANK · 10 OCT 2026 · 14:32
Held by Finpass / Retido pelo Finpass
R$ 0.00
Example · each instalment paid on time adds a stamp

The problem

Every rail moves the money. None of them says what it’s for.

AUCKLAND · NZ The buyer instalment 37 of 120 BANK TO BANK International transfer LICENSED APP Transfer service · licensed app WHERE BANKS WON’T Cash pick-up · e.g. Paraguay BRAZIL · PARAGUAY The agency receives the money EVERY RAIL · THE SAME GAP ? which buyer? which instalment? ! confirmed — or just a screenshot? × no credit recorded
Buyers already have ways to send money: bank transfers, licensed transfer apps, and cash pick-up where banks won’t go — which is how the founder pays in Paraguay. The rail changes from country to country. The gap doesn’t: the money arrives without its story.
!

The payment can’t prove itself

It lands with a name and an amount — nothing that says which contract it pays. Where compliance is tight, that’s reason enough to stall it.

?

It doesn’t know what it’s for

Nothing links the transfer to instalment 37 of the contract. Buyers keep screenshots; agencies match payments by hand.

×

Your history disappears

Years of paying on time build credit in no country. Move again, and you start from zero again.

4.9M
Brazilians living abroad (Itamaraty, base year 2023)
0
countries where those on-time instalments count as credit

What Finpass is

A payment that knows what it’s for.

Finpass doesn’t move money — banks and licensed transfer services already do that. It orchestrates the payment around them, so every instalment is linked, confirmed and remembered, whichever rail the money takes.

In WhatsApp

Pay the right instalment

The buyer chats, picks the instalment and gets exact payment instructions for the agency’s own account — with a reference that identifies it.

By the bank

Confirmed and matched

Finpass checks directly with the bank, matches the money to the contract and sends a receipt anyone can verify.

With consent

Stamped in the passport

Each on-time instalment becomes a signed record — a credit history the buyer owns and can share.

Not a remittance service, a bank or a wallet — those move the money. Finpass is the layer above them that makes each payment count.

See how it works, step by step →

The one idea to remember

The money goes straight. The information goes through Finpass.

Finpass INFORMATION which contract · which instalment “I want to pay” MONEY · NEVER PASSES THROUGH FINPASS Buyer + bank or app Agency + own bank

No custody

Payment codes are created in the agency’s own bank account. Finpass never holds a cent.

The bank has the last word

A payment counts only when the bank confirms it. A screenshot never does.

Works above any rail

Pix, bank transfers, licensed transfer apps — Finpass orchestrates whichever one the buyer can use, and new rails plug in without changing the core.

Compliance by design · AML

Every payment carries its own evidence trail.

Finpass isn’t only built to avoid being a channel for laundering. Each step of a payment is also an anti-money-laundering (AML) control: who paid, what for and where the money came from travel with it by default. And the same verification that keeps the payment clean is, with the buyer’s consent, what becomes their credit history. The financial passport is compliance made visible to its own holder.

Identity

A known buyer

Every payer is the buyer named in a real contract — name, document and phone, registered by the agency that sold the property.

Purpose

Bound to one instalment

A payment counts only against a specific contract and instalment. Money that doesn’t match one is never settled automatically.

Source of funds

Confirmed by the bank

The bank’s own record says which account the money came from. An unknown payer or a different amount goes to a person, never through.

With consent

The trail becomes credit

That verified trail — identity, purpose and source, payment after payment — is what the buyer can carry as a passport.

How compliance (AML) works in Finpass →

Reminders that run themselves

Nobody chases a payment again.

Every instalment gets reminders on a schedule the agency sets — by default five days before, the day before, the due date and three days after. Each goes out once, at the agency’s local time, in the buyer’s language.

D-5

Five days before

The first reminder, with the payment ready.

Instalment 18 is due in 5 days (24 Sept): ₲920,000. Pay here
D-1

The day before

The same payment link — no second charge is created.

Instalment 18 is due in 1 day (24 Sept): ₲920,000. Pay here
D0

On the due date

A short nudge on the day.

Instalment 18 is due today: ₲920,000. Pay here
D+3

Three days after

Only if it’s still open. Paid instalments leave the schedule.

Instalment 18 was due on 24 Sept and is still open: ₲920,000. Pay here
How the reminders work →

Who gains what

Everyone in the chain ends up with something they don’t have today.

Uses it

The buyer

Transfers with no reference, screenshots, no credit

Pays from their own bank, guided in a chat; gets a verifiable receipt, builds a passport

The buyer’s side →
Pays for it

The agency

Manual matching, turns foreign buyers away

Payments match themselves; a new market of buyers abroad

For agencies →
Follows it

The broker

Chases confirmations by phone

Live status for every client

For brokers →
Trusts it

Banks & lenders

Money with no story; migrants with no score

Payments with purpose attached; history they can verify

For lenders →

Proof, not promises

Two things you can check for yourself.

A payment history is only worth something if nobody can quietly change it, and if the system that holds it is locked down. This is how Finpass handles both.

Append-only

A history nobody can rewrite

  • Payment entries can’t be edited or deleted. The database itself refuses, not just the app.
  • The contracted due date is kept for good. Moving it later doesn’t turn a late payment into an on-time one.
  • Every change to an instalment is recorded with who made it and when.
  • Cancelling an overdue, unpaid instalment doesn’t erase the arrear.
  • Every day, a fingerprint of the whole history is registered on the Bitcoin blockchain. It reveals nothing about payments or people, and anyone can check it. It proves nothing was changed afterwards; where each payment came from is recorded with the payment. See the daily records →

Rated A+ from the outside

Public scanners grade the security of our site and app. Anyone can run them again: each link opens the live report.

Two AI-led security reviews in October 2026. On 7 October, with Claude alongside the founder: a full code review, then a separate attempt to break the system. On 15 October, a second AI-led review by a different tool, working only from the code. Every finding was fixed, and each fix has a regression test that keeps it fixed. No outside security firm has tested Finpass yet: a professional penetration test comes before any pilot with real money and before any integration with a bank or lender.

The passport in practice

Every on-time instalment is a stamp.

Three years of paying for an apartment is some of the best evidence of trust a person can have. Finpass keeps it — signed and verifiable — so it can travel with the buyer to a bank, a landlord or a lender in any country.

Financial passport · example
Maria Souza
Issued byFinpass
ContractHorizonte · 804
On time36 / 36
SinceOct 2023
A lender scans and sees: 36 of 36 on time, verified. Amounts stay private.
Stamps
MAY 26#32ON TIME
JUN 26#33ON TIME
JUL 26#34ON TIME
AUG 26#35ON TIME
SEP 26#36ON TIME

Recorded only with a yes

Nothing is kept unless the buyer agrees — and saying no never blocks a payment.

Never sold

A report exists only when the buyer chooses to send it to someone.

Verifiable anywhere

Signed records any institution can check instantly — no phone call, no borders.

Why a passport →

FinpassGet started

Bring your buyers abroad into one chat.

The system is live and still in development. We’re looking for a first property developer and for funding — the pilot starts once Finpass is funded. Tell us about your contracts and we’ll show you how it would work with your bank.

  • With your own contracts. The buyer’s chat, the dashboard and how your bank connects.
  • In your language. English, Portuguese or Spanish.
  • Buyers never pay. Agencies pay a small amount per active contract and a fee on payments received.