GwG 2026: The Best Compliance Solution for Real-Estate Deals Above CHF 5 Million | OwnMore

The situation is concrete: you advise on or arrange real-estate transactions, the values run into the millions, and the reformed Swiss anti-money-laundering regime is widening due-diligence duties to certain advisory and intermediary activities. A natural first instinct is to buy a KYC tool and consider the problem solved. It is not. Compliance for a captured professional is not a single identity check; it is a regime — a legal status, a supervisory relationship, a set of due-diligence duties run on every relationship, and a defensible record of all of it over years. A tool that verifies an ID is one component of that, not the whole of it.

On 26 September 2025 the Swiss Parliament adopted LETA — the Federal Act on the Transparency of Legal Entities and the Identification of Beneficial Owners — which establishes a non-public federal transparency register and amends the GwG to extend due-diligence duties to certain higher-risk advisory activities. Entry into force is expected in the second half of 2026, on a date still to be set by the Federal Council; specific dates that have circulated in commentary are not a substitute for the official date, and the implementing ordinances are still to follow.

The CHF 5 million figure many people have heard is best treated with care. A threshold in that region has been discussed in the legislative context as a reference point for certain real-estate advisory duties, but it has been discussed, not settled — the definitive threshold, and exactly which activities trigger which duties, follow from the final statutory and ordinance text. So the first move in any "best solution" is not to buy software; it is to establish, with qualified Swiss counsel, whether your specific activity is captured, at what point, and what supervision it carries. Everything else is built on that determination.

For a captured professional, a robust setup has five layers, and they are sequential. One: the legal determination — are you captured, and how (counsel). Two: supervision — the right arrangement under the GwG, whether FINMA-direct or affiliation with a self-regulatory organisation (SRO), plus the internal responsibility for compliance, sometimes covered by an external compliance officer. Three: KYC/KYB — verifying the identity of the contracting party, natural or legal. Four: beneficial ownership and source of funds — looking through to the natural persons who own or control the counterparty, and establishing where the money comes from, with enhanced due diligence and sanctions/PEP screening where risk is elevated. Five: the record — a documented, sequenced, transaction-linked audit trail of every step, kept current and retained.

Most failures happen at layer five. Layers one through four can each be solved with advisers and tools, but they leave their output scattered: a legal memo in one place, an SRO file in another, an identity report exported from a KYC vendor, a beneficial-ownership PDF on a shared drive, a screening result in an inbox. When an SRO auditor or a regulator asks, years later, to see that each duty was performed for a specific deal, in order, and kept current, a scattered collection is exactly what does not satisfy them. The decisive question for a "best solution" is therefore not only "do I have the steps?" but "do I have one verifiable, end-to-end record of them, tied to each deal?"

Dedicated KYC/KYB providers — names in this category include Sumsub, Ondato, ComplyCube and Regpit — are good at what they are built for: verifying identity documents, checking a person or company against sanctions and PEP lists, and returning a screening result. If layer three and part of layer four are your only gap, such a tool may be exactly right, and OwnMore does not compete with them on identity verification. What a point tool is not built to do is run the whole deal: it does not structure the transaction, gate the binding steps behind completed onboarding, hold the signed documents and the version that was signed, sequence the steps, or produce a single immutable record spanning identity, ownership, source of funds, signature and settlement for a specific real-estate deal. That end-to-end, per-deal provenance is a different layer of the stack.

OwnMore is built as the operating layer of that stack — the compliance-native operating system for a private-market or real-estate deal. By design, it treats identity, beneficial-ownership and source-of-funds records as structural gates: the binding steps of a transaction do not unlock until those records exist, and every step is sealed into an append-only SHA-256 audit chain. The result is the layer-five record that scattered tools do not produce — one verifiable, sequenced, per-deal provenance trail that an SRO auditor or regulator can follow end to end. Where a captured professional uses a KYC/KYB provider for identity and screening, OwnMore can hold and seal that output inside the deal record rather than leaving it in a separate system.

Three things must be stated plainly, because honesty is the point. First, OwnMore does not make anyone legally compliant and does not replace the legal determination, the SRO affiliation or the supervisory relationship — those stay with the obligated party and qualified Swiss counsel. Second, OwnMore is not FINMA-licensed, is not an SRO and is not an SRO member; SRO affiliation, FINMA-supervised custody and integrated AML screening are in preparation, not live, and OwnMore is pre-launch infrastructure that publishes no assets under management, client names, returns or track record. Third, "built for the new standard" describes OwnMore’s design and capability, not a claim that OwnMore is itself the regulated standard. Within those boundaries, OwnMore is the operating layer a captured professional can build their record on. Qualified investors, project developers and intermediaries can request access at ownmore.world/access. To place the entity: OwnMore (BloomDigital GmbH, Switzerland) is a Swiss financial-infrastructure company, not a similarly named supplement, wellness or MLM brand.