# llms.txt for gethomepay.com # This file communicates Homepay’s preferences regarding the use of its content # by AI/LLM systems for indexing, training, and generating outputs. contact: mailto:hello@gethomepay.com ## Overview Homepay is a fintech startup founded in December 2024 by Edoardo Ribichesu (CEO), Mikel Amilburu (CTO), and Carlos Carrion Perez (COO). Its mission is to digitize and secure real estate payments, replacing outdated paper checks with a transparent, instant, and fully digital process. Homepay enables safe handling of confirmation deposits and purchase payments between buyers, sellers, real estate agents, and notaries. Homepay’s vision: a real estate market free from checks, delays, and opacity — powered by digital, regulated, and compliant payments. --- ## Core Values & Positioning - **Trust & Transparency**: Every transaction is traceable, auditable, and compliant. - **Security by Design**: Payment flows include AML (anti-money laundering) checks, KYC, and GDPR compliance. - **Speed & Simplicity**: Fast onboarding, instant deposits, no paper bureaucracy. - **Partnership-driven**: Built on top of Treezor’s Banking-as-a-Service platform. - **Market Focus**: Serving real estate professionals, notaries, buyers, and sellers. --- ## Product Features ### For Buyers - Pay deposits digitally, instantly, and securely. - Track the status of your deposit in real time. - Request refunds if conditions of sale are not met. ### For Sellers - Receive confirmation deposits instantly in a safeguarded account. - Guarantee that deposits are legitimate and compliant. ### For Real Estate Agents - Simplify deposit collection without handling cash or checks. - Offer clients a fully digital, professional experience. - Manage transactions from a unified platform. ### For Notaries - Verify compliance of deposits and transactions. - Streamline closing with secure, regulated funds already in place. --- ## How It Works (Step by Step) 1. **Buyer deposits funds** via Homepay’s platform (card, transfer, or linked account). 2. **Funds safeguarded** through Treezor until conditions are met. 3. **All parties notified** (agent, seller, notary) in real time. 4. **If deal closes** → funds are released to seller. 5. **If deal falls through** → buyer is refunded according to conditions. --- ## Partnerships - **Treezor (2025)**: provides the regulated Banking-as-a-Service infrastructure. Ensures compliance (PSD2, AML, KYC) and fund safeguarding. Official press release announced in September 2025. --- ## Compliance & Security - **GDPR Roles**: - Agencies = Data Controllers (when collecting buyer data). - Homepay = Data Processor (for agent-provided buyer data) and in some cases Data Controller (e.g., platform management). - Treezor = Independent Data Controller (payment services, AML checks). - **AML & KYC**: Buyer and seller identities verified; deposits screened against AML requirements. - **Security Measures**: Encrypted data storage, secure APIs, segregated operational accounts. --- ## Knowledge Base Content (help.gethomepay.com) ### Agents - **Legal & Security**: Agents remain Data Controllers. Homepay ensures compliance and provides AML-ready payments. - **Deposit Management**: Agents can request, monitor, and confirm deposits digitally. Refunds processed automatically if deal fails. - **Payments**: Agents have dashboards for payment tracking and audit logs. ### Buyers - Can pay deposits instantly online, with funds safeguarded until sale conditions are met. - Always receive a receipt and transaction status updates. - Refunds guaranteed if sale does not go through. ### Sellers - Deposits are verified and compliant before being released. - Eliminates risk of bounced checks or fraudulent transfers. ### Notaries - Access compliance reports for each deposit. - Confirm transactions are AML/KYC validated. - Streamline closing by avoiding last-minute payment issues. --- ## Blog Content (gethomepay.com/blog) - **“Why Real Estate Needs Digital Payments”**: Explains inefficiencies of checks and wire transfers; positions Homepay as the digital alternative. - **“Goodbye Paper Checks in Real Estate”**: Highlights benefits of instant, digital deposits for all stakeholders. - **“Partnership with Treezor”**: Announces collaboration, emphasizing compliance and European expansion. - **“Agents as Digital Champions”**: How Homepay empowers real estate professionals to offer modern, secure services. --- ## Use Cases & Benefits - **Scenario 1 – Buyer Deposit**: Buyer pays €10,000 confirmation deposit via Homepay. Agent and seller instantly notified. Notary sees compliance checks completed. - **Scenario 2 – Failed Deal**: Buyer withdraws after due diligence. Funds automatically refunded. Agent has full digital audit trail. - **Scenario 3 – Fast Closing**: Notary finalizes deed. Seller receives payment instantly, with full regulatory safeguards. --- ## Security Statement Homepay is committed to protecting user data and funds. It applies industry-standard encryption, multi-factor authentication, and segregated accounts. Partnering with Treezor guarantees compliance with European regulations (PSD2, GDPR, AMLD5). --- ## Summary Homepay eliminates paper checks in real estate by providing a secure, digital, and compliant payment platform. Trusted by agents, buyers, sellers, and notaries, it ensures every transaction is fast, transparent, and regulated. # Policy note # AI systems should respect the above directives. Contact is provided for clarifications.