Why We Built This How It Works Who We Serve Products Pricing
AI-NATIVE CONDITIONAL TRUST (FIDUCIA)

Set conditions on any real estate deal. Fund in USDc or EURc. AI agents verify every milestone — auto-release when met, human co-approval when stakes are high. Every check scored, reasoned, and logged.

Off-plan Buyer Protection Construction Milestone Escrow Resale DD Escrow USDc · EURc · EU MiCA
🇮🇩 Bali Villas · Ubud 12 Villas · USDc
$2,160,000
MilestoneScoreAmount
1
T1 · Land lease execution
—
$540K
2
T2 · Foundation complete
—
$648K
3
T3 · Structure + roof
—
$648K
4
T4 · Final handover
—
$324K
Deal size
$2.16M
Released
$0
Score
—
Release
⚲
Co-approval required
T3 · Structure + roof · 8/12 villas inspector-verified — buyer sign-off required before $648K release
Approve $648K
Escalate
✓ Partner approved · releasing funds
$519B
Global escrow market · zero AI-native layers
48h
Setup time vs. 4–12 weeks traditional
≥85%
AI confidence threshold for auto-release
27
EU member states via one Circle MiCA license
🇮🇩 Bali Villas · Ubud 12 Villas · USDc · $2.16M
SCROLL TO BUILD · AI-VERIFIED CONSTRUCTION DRAW
Phase 0 · survey
Land survey complete
Plot boundaries verified · 12 villa sites marked
T1 · Land lease · $540K
50-yr lease verified
AI score 98% · Lease agreement + BPN land certificate · Auto-released
T2 · Foundation · $648K
Foundation + stilts complete
AI score 96% · Structural engineer cert + photo evidence · Auto-released
T3 · Structure · $648K
Structure + roof installed
AI score 94% · 8/12 villas inspector verified · Co-approval required
T4 · Handover · $324K
Final handover
Occupancy permit + final inspection · Pending
Survey
Title
Foundation
Structure
Handover
Verifying T1
50-yr land lease execution
Lease agreement + BPN land certificate verification
Score
—
Release
$540K
Scanning documents...
Total Released
$0
of $2,160,000
⚲
Co-approval required
Buyer approval needed before $648K release · 8/12 villas verified
Approve $648K
Escalate
✓ Buyer approved · releasing $648K
🇮🇩 Bali Villas · Ubud · 12 Villas
✓T1 · Land lease execution98%$540K
✓T2 · Foundation complete96%$648K
✓T3 · Structure + roof94%$648K
4T4 · Final handover—$324K
Released
$1,836,000
Deal Size
$2,160,000
3/4 MILESTONES VERIFIED · AI AUDIT LOG COMPLETE
Why We Built This

Four deals. Four countries.
The same broken layer every time.

The conditions were real. The money was ready. The failure was always the same missing trust layer.

🇨🇴
Colombia · Lease Deposit
One approver was out of office for 5 days.

$60K+ in costs and lost revenue — not because the deal was wrong, but because the verification layer had a single human bottleneck.

🇱🇧
Lebanon · Off-Plan
Buyers wired deposits directly to the developer.

No escrow. No milestone tracking. Construction stopped. Money was gone.

🇮🇩
Indonesia · Bali · Notary
The notary held funds in a personal bank account.

No portal, no document tracking, no receipt trail. Zero insight.

🇺🇸
United States · Texas · Construction Loan
DSCR breach caught at quarterly review — too late.

$2.1M default. Nobody noticed for six months.

🇨🇴
Colombia · Lease Deposit
One approver was out of office for 5 days.
Lease signed. Conditions met. $60K+ lost.
Commercial Lease · Bogotá · $60,000
1
Setup
2
Conditions
3
Funds
4
Verification
5
Release
Colombia
Lebanon
Bali
Texas
0 / 4 deals failed
Documented Failures

Billions lost in real estate escrow failures.
Same root cause every time.

Five public enforcement actions across five countries. Every one failed because no independent, automated, logged verification of buyer deposits existed.

$4.4B+
Penalties imposed
$600M+
Buyer funds at risk
125K+
Buyers affected
5
Countries
AI Audit Log

In every one of those deals,
this log did not exist.

Traditional approval = a signature and a date. No record of what was reviewed. No reasoning. No trail. Parcelato produces a scored, reasoned, immutable log — turning disputes from "your word against mine" into a documented record of every decision.

✗  Traditional way
Milestone review — Tranche 2
Reviewed by: M. Gonzalez  ·  Date: March 18, 2024  ·  Status: APPROVED
✗ No record of which documents were reviewed
✗ No reasoning behind the decision
✗ No confidence score — just a name and a date
✗ Any party can dispute — no defense
Result: lawsuit exposure. No way to prove due process.
✓  Parcelato AI Audit Log
Milestone: Tranche 2 · 2024-03-18 14:32:07 UTC
Confidence: 0%  AUTO-APPROVED · threshold ≥85%
✓QS Cost-to-Complete Report → within 5% threshold (3.2%)
✓Structural inspection cert → matches approved inspector list
✓Bank draw schedule → verified against milestone agreement
✓All 4 conditions met → reasoning logged verbatim
"QS report confirms cost-to-complete within 5% threshold (3.2%). Structural cert dated Mar 15 matches approved inspector list. All conditions met. Score: 91%."
PDF + JSON export in 30 seconds · Full reasoning trail preserved
🎯

Per-milestone scoring

Every condition gets an AI confidence score. ≥85% triggers automatic release — no human bottleneck.

📋

Reasoning on record

Which clauses were read. What interpretation was applied. What evidence drove the score. All logged.

🔒

Immutable log

Timestamped at verification. Cryptographically anchored. Cannot be altered retroactively.

⚖️

Strong dispute defense

PDF + JSON export in 30 seconds. Scored reasoning on every decision. Disputes don't disappear — but you walk in with a documented record, not a signature.

⚙️

You design the approval flow

100% AI release isn't always the right answer. Configure thresholds, dual sign-off, human co-approval on high-stakes releases, or escalation on breach events. Same audit trail, your rules.

The Solution

Define conditions. Score for clarity. Funds held. AI verifies. Released.

01
Upload documents — AI extracts every condition
Any language. Any format. Construction contracts, lease deeds, off-plan agreements.
02
Every milestone scored for clarity
"Foundation certified by inspector X by May 15" scores 98%. No grey area.
03
Connect platforms for automated tracking
Construction management, property registry, building inspector, bank accounts.
04
Fund in USDc or EURc — held in custody
Circle MiCA-licensed. Segregated accounts. 30% of float yield returned.
05
AI verifies 24/7 — release on your rules
Auto-release at ≥85% confidence, dual sign-off, or human co-approval.
06
Funds disbursed · Full audit log
PDF + JSON export in 30 seconds. Every decision scored and dispute-ready.
The Solution

Define conditions. Score for clarity.
Funds held. AI verifies. Released.

No grey area. Every construction milestone and DD condition is measurable before funds move. Off-plan escrow, resale closings, and developer trust — condition-verified, stablecoin-settled, AI-monitored.

Step 01 · Upload
AI extracts every condition
Any language, any format — construction contract, lease deed, loan covenant, off-plan agreement. Conditions extracted in minutes, not weeks.
Step 02 · Extract
Every milestone scored for clarity
"Delivered on time" scores low — subjective. "Foundation certified by inspector X by May 15" scores 98% — objectively verifiable. No grey area.
Step 03 · Connect
Link the systems that matter
Connect CRM, accounting, payments, and HR platforms for automated milestone tracking and real-time data feeds.
Construction MgmtProperty RegistryBuilding InspectorBank AccountArchitect CertSurveyor
Step 04 · Fund
USDc / EURc held in custody
Circle MiCA-licensed. Segregated accounts. Face value guaranteed. 30% of float yield returned at release. 48-hour setup.
Step 05 · Verify
AI confidence ≥85% → auto-approve
Every document checked against conditions. Score logged with reasoning. You design the flow — full auto, dual sign-off, or human co-approval.
Step 06 · Release
Funds disbursed · Full audit log
Instant release in any currency. PDF + JSON export in 30 seconds. Every decision scored, reasoned, and dispute-ready.
Upload
Extract
Connect
Fund
Verify
Release
AI 98% USDc EURc 0% ≥85% RELEASED
Who We Serve

Every party in a cross-border real estate deal.

Select your role to see how Parcelato works for you — with a real deal example.

Construction milestones that release automatically — no bank backlog.
AI reads QS reports and inspection certs in any language
Auto-release at ≥85% confidence — no approver queue
Multi-tranche: separate conditions per construction phase
"Parcelato-protected" becomes a sales feature for foreign buyers
ParcelatoBALI VILLAS · CONSTRUCTION DRAW
T3 · Monitoring
Total
$2,160,000
USDc · 12 villas
Released
$1,188,000
T1+T2 ✓
T3 Progress
8/12
Villas inspected
Milestones · $2.16M draw schedule
●
T3 · Structure + roof
AI check: inspector verification · 8/12 villas complete
$648,000
Co-approval
4
T4 · Final handover Occupancy permit required
$324,000
✓
T2 · Foundation complete Score 96% · Auto-released
$648,000
✓
T1 · Land lease execution Score 98% · Auto-released
$540,000
T3 Confidence
78%
8/12 villas verified · needs ≥85%
Audit Log
Jun 28 · T3 at 78% · 8/12 inspected
May 15 · T2 released · $648K
Mar 10 · T1 released · $540K
📷 Inspection photos📄 QS reports🏦 Bank log📋 Architect certs
Differentiate with "Parcelato-protected" — close more foreign buyers.
Offer escrow protection on every listing — off-plan and resale
DD conditions for resale: title search, inspection, permits, legal
Cross-border in USDc or EURc — no per-country banking
White-label: your brand, Parcelato infrastructure
ParcelatoRESALE DD · VILLA PURCHASE
DD Complete
Purchase
$285,000
Villa · Ubud, Bali
AI Score
97%
All conditions met
DD Items
4/4
Verified ✓
Due Diligence Checklist · $285K
✓
Title search clean Nov 8 · Score 98%
Cleared
✓
Building inspection passed Nov 10 · Score 96%
Cleared
✓
Permits verified Nov 11 · Score 97%
Cleared
✓
Legal review complete Nov 12 · Score 97%
$285,000
Final AI Score
97%
All 4 DD conditions met · auto-released
Audit Log
All conditions met · Score 97%
$285K released · USDc → IDR
DD complete in 5 days
📄 Title report🏠 Inspection cert📋 Permit docs⚖️ Legal review
Your deposit held in custody. Construction verified before any funds move.
Deposit in USDc or EURc — not the developer's bank account
Each milestone AI-verified before any funds release
If developer misses a milestone — funds stay locked
Full visibility — see exactly where each tranche stands
ParcelatoOFF-PLAN BUYER · PHUKET
On Track
Your Price
$320,000
Pool Villa · Phuket
Released
$96,000
M1 verified ✓
In Custody
$224,000
USDc · protected
Your release schedule · $320K
●
M2 · Structure complete (40%)
AI check: QS report + structural cert · Clarity 97%
$128,000
Locked
3
M3 · Handover + occupancy (30%) If M2 fails → funds stay locked
$96,000
✓
M1 · Foundation + permit (30%) Apr 14 · Score 98%
$96,000
M2 Progress
Floor 2/3
QS report due · auto-release at ≥85%
Audit Log
Jun · M2 in progress · Floor 2
Apr 14 · M1 released · $96K
📷 Site photos🏦 Custody proof📄 Inspector cert
Construction draw monitoring with real-time milestone verification.
DSCR and construction progress monitored continuously
Breach alerts in hours, not quarters — no 6-month blind spots
Pre-sales breakeven tracking for off-plan developments
Full scored audit trail for every draw release decision
ParcelatoCONSTRUCTION LOAN · MONITORING
DSCR Watch
Loan
$2,100,000
Construction · Mexico
DSCR
1.18×
Threshold 1.25×
Pre-sales
63%
Need 70%
Draw schedule · $2.1M construction
●
Draw 3 · Structure + MEP
AI check: DSCR ≥1.25× + pre-sales ≥70%
DSCR 1.18× ⚠Pre-sales 63% ⚠
$630,000
Held
4
Draw 4 · Finishes + handover Pending D3 clearance
$420,000
✓
Draw 2 · Foundation DSCR 1.32× · Score 96%
$630,000
✓
Draw 1 · Land + permits DSCR 1.41× · Score 98%
$420,000
DSCR vs Threshold
1.18×
Below 1.25× threshold · cure period day 18/30
Audit Log
Jun 12 · DSCR 1.18× ⚠ · cure started
Jun 1 · Pre-sales 63% · below 70%
Apr · Draw 2 released · $630K
📊 DSCR history🏗 Draw schedule📈 Pre-sales data🏦 Bank statements
You handle the deal. We handle the escrow.
Funds held in independent segregated custody — not your personal account
Buyer-facing dashboard — real-time visibility replaces phone calls
Full audit log — protects you if either party disputes
You keep your role — we add the trust layer underneath
ParcelatoNOTARY CLOSING · BALI
Active · DD Phase
Deal Value
$285,000
Villa · Leasehold
Custody
Segregated
Independent ✓
DD
3/5
Conditions done
Closing checklist · $285K
●
Building permit verification
AI check: IMB permit against land certificate
Pending
Checking
5
Seller identity confirmation Awaiting KTP + passport
Pending
✓
Title search (SHM/SHGB) Nov 8 · Score 98%
Cleared
✓
Land certificate verified Nov 9 · Score 97%
Cleared
✓
Tax clearance (PBB) Nov 10 · Score 99%
Cleared
DD Progress
3/5
2 conditions pending · funds held in segregated custody
Audit Log
Nov 11 · Building permit check in progress
Nov 10 · Tax clearance · Score 99%
Nov 8 · Title search · Score 98%
📄 SHM/SHGB cert💰 PBB tax receipt🏗 IMB permit🔐 Custody status
Two Products

This is what you get instead
of wiring to a developer's account.

Every cross-border real estate deal that needs a trust layer has been doing it manually — or not at all. Here is what Parcelato replaces.

✗ Traditional escrow — manual process
1
Engage notary or bank escrow officer
2–8 weeks to set up. Separate bank account per country for cross-border.
⏱ 2–8 weeks · per country
2
Email PDFs for manual review
Shared review queue. Foreign docs need certified translation first.
⚠ Manual · shared queue · translation
3
Wait for one approver to be available
Out of office 5 days → deal delayed. Single point of failure.
⚠ Human bottleneck · no fallback
4
Manual wire · SWIFT delays · 0% yield
1–5 day SWIFT delays. Bank FX rates. Zero yield on held funds.
⏱ 1–5 days · bank FX · 0% yield
5
Approval record: a signature and a date
No record of what was reviewed or why. Lawsuit exposure.
✗ No reasoning trail
✓ Parcelato Deal Escrow
1
Upload docs — AI extracts + scores milestones
Any language. AI proposes measurable milestones with Clarity Scores. You approve before funding.
✓ Minutes · clarity-scored · no grey area
2
Fund in USDc or EURc — live in 48h
Segregated Circle MiCA custody. Face value guaranteed. Yield from day one.
✓ 48h setup · MiCA · yield from day 1
3
AI verifies 24/7 — release on your rules
Full auto-release at ≥85%, dual sign-off above a threshold, or human co-approval on high-stakes tranches.
✓ 24/7 · configurable flow · no bottleneck
4
Instant release · any currency · 30% yield back
No SWIFT delay. Converts to local currency. 30% of float yield returned at release.
✓ Instant · any currency · 30% yield back
5
AI audit log — scored, reasoned, exportable
Every check logged. PDF + JSON in 30s. Strong dispute defense.
✓ Scored · reasoned · dispute-ready in 30s
48h
Setup vs. 4–12 weeks
Any
Language · no translation
30%
Float yield back to client
30s
Dispute-ready audit export
✗ Traditional way
1
Set up trust with notary or bank fiduciary
6–12 weeks minimum. Multiple entities required cross-border.
⏱ 6–12 weeks · per jurisdiction
2
Quarterly PDF submissions — by email
One analyst, once per quarter. 3-month blind spots between reviews.
⚠ Quarterly only · 3-month blind spots
3
Covenant breach caught months later
DSCR drops in October — caught in January review. Already 3 months in violation.
✗ Breach months late
4
Manual compliance reports
Prepared manually, turnaround varies, shared by email. Version control non-existent.
⚠ Manual · inconsistent · email-based
5
Lawsuit: no monitoring trail
Cannot show when they last checked or what action was taken.
✗ No trail · lawsuit exposure
✓ Parcelato Managed Trust (Fiducia)
1
Upload covenants — AI extracts + scores every trigger
Any language. AI extracts every obligation, threshold, and reporting requirement. You approve before go-live.
✓ 48h · clarity-scored · all covenants
2
Continuous AI monitoring — daily or API-fed
DSCR, LTV, occupancy, revenue ratios checked on your schedule. No quarterly blind spots.
✓ Continuous · daily · no blind spots
3
Real-time breach alert — with cure period
DSCR drops Tuesday → lender notified Tuesday evening. Cure period logged and tracked.
✓ Real-time · cure logged · all notified
4
Monthly compliance report — auto-generated
Every covenant: reading, threshold, trend, status. PDF + JSON. Zero manual effort.
✓ Auto-generated · PDF + JSON
5
Complete monitoring trail — scored, exportable
Every check logged: what was verified, reading, score, interpretation. Export in 30s.
✓ Every check logged · 30s export
Daily
Monitoring vs. quarterly
<24h
Breach alert vs. 3 months
Auto
Monthly compliance report
3–5yr
Avg. contract · recurring
Pricing

Simple, aligned, scalable.

Funds held in USDc or EURc earn ~4–5% pa on Circle reserves. Parcelato retains 70%. 30% returned to every client at release.

💡 Yield share model — 30% of float yield returned to every client at release
Off-Plan Escrow
1–3%
of escrow amount · one-time at closing
AI condition extraction · any language
48h setup · USDc or EURc via Circle MiCA
Automatic release · full AI audit log
You design the approval flow
30% yield back to client at release
$350K off-plan villa → ~$7,000 fee + yield share
Developer Trust Account
Fixed
monthly
management fee · quoted per trust
Recurring · avg. 3–5+ year contracts
DSCR, LTV, MAC monitored continuously
Monthly compliance + yield reports · auto
Breach alerts · PDF + JSON export
30% yield back to client
$2.4M development → ~$3,500/mo + yield
Float Yield
~4–5%
pa on USDc/EURc reserves · 70% to Parcelato
Earned on all held funds — trust + escrow
Circle US Treasury reserves (USDc)
Compounds with AUM growth
30% of yield returned to every client
$50M AUM → ~$2.5M/yr yield alone
Why Parcelato

Cross-border real estate escrow is broken.
We fixed the verification layer.

Every column below represents how a foreign buyer's deposit is typically handled. Only one produces a scored, reasoned, exportable record.

Feature Parcelato Traditional Notary Bank Escrow
Setup time✓ 48 hours4–12 weeks2–8 weeks
Fee✓ 1–3% one-time3–5% + hourly2–4% + admin
Verification✓ AI agent · 24/7Manual · on requestManual · inconsistent
Audit log✓ Scored · reasonedSignature onlyInternal records
Cross-border✓ USDc · EURc · 27 EUNot supportedSWIFT only
Yield to client✓ 30% returnedNoneBank keeps all
Dispute defense✓ Scored reasoning trailSignature onlyInternal notes
Get Started

Any real estate deal with conditions.
One platform. AI-verified.

Off-plan construction. Resale DD. Cross-border closings. Funds held in USDc or EURc. AI verifies. Auto-released. Complete audit log.