Protocol v3.0
How It Works
From earnest money to tax filing in 7 steps.
No intermediary touches your funds.
Who is it for?
Three segments, one protocol
Primary Residence — €120,000 – €600,000
Families, first-time buyers. Your home in Spain with smart contract security.
- ✓ Smart Escrow for earnest money (5-10%)
- ✓ Automatic tax pre-calculation (ITP, Capital Gains)
- ✓ eIDAS digital signature from your phone
- ✓ Atomic distribution: seller + commission + tax authority
Investment — €50,000 – €2,000,000
Buy-to-let, new build, funds. International Path Payments in 4 seconds.
- ✓ Rental deposit in smart contract
- ✓ New-build reservations with Ley 20/2015 compliance
- ✓ Automatic 3% non-resident withholding
- ✓ Path Payment: USDC → EURC atomic (~0.1% vs 1.5-3% bank)
The Transaction in 7 Steps
From earnest money to Land Registry — fully orchestrated, never custodied
Earnest Money Contract (Arras)
eIDAS digital signature (advanced or qualified). 5-10% deposited in on-chain Smart Escrow. The buyer retains cryptographic control — Cuandeoro never touches the funds. Automatic tax pre-calculation generated.
Due Diligence
Automated queries: Land Registry, Cadastre, community debts, liens and encumbrances. Results verifiable on-chain with immutable timestamp.
Public Deed (Escritura)
In-person notary or videoconference (Ley 11/2023, in force since May 2024). Notary verification triggers escrow release.
Atomic Distribution
A single Stellar & Ripple transaction: seller receives the price, agent their commission, tax authority the fiscal reserve. Path Payment converts USDC → EURC in the same operation. 3-5 seconds. Cost <€0.01.
Tax Filing
Automatic generation of Form 600 (Transfer Tax) and Form 211 (3% non-resident withholding). Electronic submission to Tax Authority.
Land Registry
Electronic registration request. Real-time tracking of registry status.
Immutable Archive
SHA-256 hash of all documentation on Stellar & Ripple blockchain. Verifiable proof for 10 years. Auditable by any party.
Smart Escrow
Three guarantee types, one smart contract
Earnest Money (Arras)
5-10% in escrow. Buyer withdraws → seller receives deposit. Seller withdraws → buyer receives double.
Release: notarial signature or deadline.
Rental Deposit
1-2 months in smart contract. Automatic return at lease end. Deduction only if arbiter validates.
Release: lease end or resolution.
New Build (Ley 20/2015)
Advance payments in escrow until milestones met. Auto-refund if developer misses deadlines.
Release: verified milestone or default.
eIDAS Digital Signature
Integration with EU-certified QTSPs. No prior certificate needed: video ID in 3-5 minutes, one-shot certificate. Under €3 per signature.
Simple
Reservations, communications. Acceptance of terms.
Advanced (AES)
Private contracts, earnest money. Unambiguous link to signer.
Qualified (QES)
Handwritten equivalence. Deeds, powers of attorney. Valid before notary and court.
Dispute Resolution
Neutral technology infrastructure — we don't mediate, we don't decide
Protocol with deadlines and designated arbiter at contract signing.
Either party opens dispute → funds frozen automatically.
All evidence on-chain, timestamped, immutable and irrefutable.
Arbiter signs → smart contract distributes per resolution.
Court order as alternative. The smart contract executes it.
Cuandeoro is SaaS infrastructure. We are not a bank, custodian, or tax adviser. We don't touch funds. We don't issue tokens. We don't give legal advice.
Cuandeoro Ltd. · Registered in Ireland · No. SR7882322 · Dublin (EU)
