Live Due Diligence — immo.quick

TWO FORMS OF LIVE DUE DILIGENCE

Live Due Diligence for Transactions reviews external reality: documents, parties, regulatory conditions, transaction data and external sources. This review is source-bound, scope-bound, and can only evaluate what is actually accessible and verifiable to the system.

Internal Architectural Live Due Diligence, by contrast, reviews immo.quick's own architecture and defined system state. This review is deterministic. Under the same architectural state, canonical input and verification rules, the result does not drift.

LIVE DD FOR TRANSACTIONS

External reality
Source-bound
Scope-bound
Evidence-driven

INTERNAL ARCHITECTURAL LIVE DD

Own architecture
Deterministic
State-bound
Reproducible

PART A · LIVE DUE DILIGENCE FOR TRANSACTIONS & M&A

Traditional Due Diligence and Live Due Diligence operate differently.

TRADITIONAL DUE DILIGENCE

✗Sequential: first legal, then tax, then technical — never simultaneous

✗Silo expertise: lawyer, tax advisor, compliance specialist work separately

✗Result: PDF memos — no auditable, cryptographically secured documentation

✗Can require multiple external specialist engagements and extended review periods

✗Error-prone: no single person can oversee all dimensions simultaneously

✗AML/Sanctions: manual check, insufficiently documented, liability risk

LIVE DUE DILIGENCE

✓Simultaneous: 6 dimensions in parallel — legal, tax, compliance, technical, financial, regulatory

✓Integrated: structured analysis across multiple specialist domains simultaneously

✓Source-anchored: every statement with document + page number, expert opinion with evidence designed for judicial review

✓Designed to compress analysis, evidence collection and specialist coordination into a significantly shorter technical workflow

✓Immutable audit log: complete DD process cryptographically archived

✓Machine Law integration: AML/Sanctions as evidence-bound EPA artifact — stronger traceability and evidentiary support

PART A · 7 CORE CAPABILITIES

What Live Due Diligence combines.

⚡

Simultaneous Multi-Dimension Check

6 analysis layers simultaneously: Legal (BGB, GBO, WEG), Compliance (GwG, AMLD, Sanctions), Tax (GrEStG, UStG), Technical (GEG, EPBD), Financial (valuation, yield), Regulatory (DORA, NIS2).

"What risks exist in this transaction?" → Source-bound analysis across six defined dimensions in one parallel review process.

📌

Source-Anchored Answers

Every statement with direct source reference: document + page + date, bound to the available sources. Statements without sufficient source basis are flagged as not verifiable. Verifiable, contestable, defensible.

"Das Vorkaufsrecht der Stadt [X] ist eingetragen... [Quelle: Grundbuchauszug_2026-03-15.pdf, Seite 4]"

🎓

Natural Language Interaction at Expert Depth

Understands regulatory terminology, legal language and tax concepts with structured depth — in German, English, French. Answers are formulated with structured, source-bound language; uncertainties and insufficiently evidenced statements are explicitly flagged.

"Does this transaction fall under § 1 para. 3a GrEStG and what RETT-blocker structures were used?" → complete answer with source proof.

🔏

Immutable Audit Log

Every question, answer, document analysis — cryptographically archived, WORM-stored, timestamp-secured. In case of dispute: traceable reconstruction of the questions, answers, document states and timestamps recorded in the audit log.

"On March 15, 2026 at 14:23 the right of first refusal was explicitly queried. The answer is documented." — Designed for subsequent review and evidentiary assessment.

🔗

Controlled Guest Access

Time-limited, cryptographically secured invitation links for investors, banks, notaries, lawyers. Every action separately logged. Defined expiry date. Controlled document subset. 72-hour session timer.

Investor from London receives 48h access → asks DD questions → complete log for transaction file.

🔬

Machine Law Integration — EPA as DD Byproduct

For compliance-relevant questions, the answer runs through the enforcement engine: sanctions screening, AML gate, KYC check. Result: an evidence-bound EPA artifact documenting the reviewed state, the inputs used and the result, with SHA-256 hash, TEE attestation (Core), timestamp.

Notary asks 'Is seller sanctions-free?' → receives an evidence-bound EPA artifact documenting the review performed.

📊

Structured Outputs for Professional Use

Live Due Diligence produces not only chat answers. It produces: DD Report (PDF), Risk Register (Excel/JSON), AML/KYC Report, Notarial Attachment (for contract files), Compliance Artifact (EPA/DPA for the entire transaction).

PART A · TECHNICAL FLOW

From the question to the evidence-bound artifact.

Question Parsing & Semantic Analysis

Which documents? Which dimension? Which law? Which jurisdiction?

<50ms

Document Retrieval

Vector database over all loaded transaction documents — semantic, not just full text.

<200ms

Multi-Dimensional Analysis (6 layers parallel)

Legal · Compliance · Tax · Technical · Financial · Regulatory — simultaneously.

SIMULTANEOUS

Machine Law Gate (when compliance-relevant)

Sanctions screening (5 regimes) · AML/KYC determination · applicable domain checks · Artifact production (EPA or DPA)

ENFORCEMENT

Answer Generation with Source Anchoring

Natural language answer · Source references (doc + page) · Source coverage indicator · EPA/DPA (if compliance-relevant)

SOURCED

WORM Audit Log Commit

Question + answer + document state + timestamp — immutably archived. Bi-temporal. 10-year retention.

WORM

PART A · WHO USES IT

For everyone who conducts due diligence responsibly.

🏠

Real Estate Agents & Advisors

Live DD enables qualified agents and advisors to perform numerous structured DD review steps directly within the transaction process and document them in an evidence-bound way.

Supports the documented performance of relevant review and evidence steps under § 19a MaBV and GwG § 10

⚖️

Notaries

§ 1 GwG obliges notaries to AML due diligence. Live DD provides an evidence-bound EPA artifact for every notarization act, documenting the reviewed state, the inputs used and the result.

Evidence artifact for the transaction file and subsequent review

🏦

Banks & Financiers

Bank advisors receive guest access to the transaction data room, ask their DD questions, and take the answers — including AML artifacts — directly into the credit file. Analysis and documentation steps can be significantly compressed and carried directly into the credit file.

Structured evidence can be made available for supervisory and internal review

💼

Investors & Family Offices

International investors receive a structured, source-bound DD evaluation in their language — DE/EN/FR — with AML artifacts and risk reports in their home jurisdiction format.

AML-related analysis aligned to the relevant jurisdictional and institutional requirements

🏢

PE Funds & M&A Advisors

Cross-border M&A with multiple jurisdictions: Live DD analyzes all dimensions simultaneously, DE, CH, UK, US. Delegation chain evidence for all governance actors automatically documented and sealed.

Cross-border M&A: parallel review of defined transaction dimensions across multiple jurisdictions

🛡️

Compliance Departments

AML checks for real estate transactions are largely automated — cryptographically sealed verification chain instead of PDF memo.

Structured and traceable archival evidence designed to support regulatory and audit review

PART A · M&A DUE DILIGENCE

For M&A: the MaDD pipeline.

A merger or acquisition touches more areas of law simultaneously than almost any other transaction type. The MaDD pipeline runs them in a fixed, orchestrated sequence and issues a MaDDReceipt, as an attachment to the transaction documentation. The MaDD pipeline evaluates defined transaction dimensions against available authoritative and transaction-specific sources. It does not claim completeness beyond the accessible source and system scope.

AML/KYC — Buyer & Seller

Both transaction parties checked in parallel, not sequentially.

Beneficial Ownership

Who is the ultimate beneficial owner behind buyer and seller — including multi-layered, nested structures.

FDI Screening

Foreign involvement under CFIUS (US), AWG/AWV (Germany), EU FDI mechanism 2019/452.

Antitrust

Market-concentration check arising from the transaction.

Sanctions

Screening of the buyer and seller side against the integrated sanctions sources.

Fundamental Rights Check

Applies whenever a state actor is a party to the transaction.

Jurisdiction Conflicts

Cross-border legal conflicts arising from the transaction.

MADDRECEIPT

PART B · INTERNAL ARCHITECTURAL LIVE DD

Deterministic verification of immo.quick's own defined architecture and system state.

This is not transaction due diligence. The object under review is immo.quick itself. Internal Architectural Live Due Diligence evaluates the defined architecture, verification paths, artifacts, rule bindings and system state directly. Because the verification is deterministic, the same defined state, canonical input and verification rules produce the same result.

WHY THIS IS POSSIBLE

Under the same defined architectural state, canonical input and verification rules, the result is reproducible and does not drift.

CORE PRINCIPLE The verification result itself does not depend on discretionary or probabilistic interpretation. Scope, assumptions and implementation can still be independently examined.

THE PROCESS

NDA Signing

Bilateral approval for auditor access to deterministic Live Due Diligence; NDA where agreed.

Live Review Access — Your Auditors, Your Questions

Auditors test the system themselves: gate execution, artifact generation, WORM verification, ZKP check and bi-temporal queries.

Deterministic Answers

System and architecture questions are evaluated against the defined architecture and evidence state.

Sealed Audit Report

At the end of the defined test window, the system automatically generates an audit report covering the recorded reviews and results — cryptographically bound, SHA3-256 hashed and bi-temporally timestamped. Technical evidence for independent review and evidentiary assessment.

REDUCES DEPENDENCE ON MANUAL TECHNICAL REVIEW

Automates reproducible architectural verification

Compresses repeated review effort

Produces cryptographically bound evidence

Allows independent reviewers to reproduce defined checks

WHAT REMAINS

Independent assessment of scope and assumptions

Physical hardware inspection where relevant

Formal verification beyond the implemented assurance scope

Jurisdiction-specific legal assessment

THE RESULT

The result is deterministically reproducible against the defined architectural state. Independent reviewers may challenge scope, assumptions, completeness or implementation, but the same verified state and verification rules do not produce an arbitrary alternative result.

Deterministically reproducible · cryptographically bound · independently examinable

PART A · ECONOMIC VALUE

Illustrative Economic Model.

The figures below are an illustrative model, not a fixed price or savings guarantee.

SERVICE	TRADITIONAL DD	LIVE DUE DILIGENCE
Lawyer (legal DD)	External fee	Included in system price
Tax advisor (tax DD)	External fee	Included in system price
Technical expert	External fee	Partially automated
Compliance advisor (AML)	External fee	Automated defined AML/KYC review steps + Evidence Artifact
Duration	Multi-week, sequential	Significantly compressed

The economic value of stronger evidence may include reduced investigation effort, faster review, stronger accountability and improved evidentiary positioning. Actual legal or insurance effects depend on the specific case and competent external decision-makers.

CLEAR BOUNDARIES · PART A & B

What Live Due Diligence is not.

✗ KEIN NOTAR-ERSATZ

Notarization is a sovereign function. The system supports the notary — it does not replace them.

✗ KEIN ANWALTS-ERSATZ BEI STREITFRAGEN

The system checks — it does not draft. Complex contract design and existing disputes require a lawyer.

✗ KEIN ALLGEMEIN-CHATBOT

The analysis is limited to the defined transaction data room and the available sources. Statements without sufficient source basis are flagged as not verifiable.

✗ KEINE EINFACHE SUCHE

Not a full-text keyword search. Semantic, multi-dimensional analysis that recognizes connections between documents.

✗ NO PROOF OF COMPLETENESS OF EXTERNAL REALITY

The system can only review sources and states that are accessible and verifiable to it.

✗ NO AUTOMATIC LEGAL EFFECT

A receipt or artifact documents technical evidence. It does not replace a decision by a court, regulator or other competent authority.

✗ NOT AN EQUATION OF DETERMINISM WITH INFALLIBILITY

Deterministic evaluation means reproducibility under the same conditions, not automatic material correctness of every underlying rule.

✓ INTERNAL ARCHITECTURAL LIVE DD IS DIFFERENT

Here, external reality is not reviewed. The object under review is immo.quick's own defined architectural state.

HUMAN OVERRIDE ACCOUNTABILITY · APPEND-ONLY EVIDENCE

An override does not rewrite the failure. It adds accountable evidence.

Where a manual override path is authorized, immo.quick does not treat it as a retrospective mutation of an existing gate state. The original status remains preserved; the override is recorded as a separate event in the append-only evidence path. System determination and human intervention therefore remain distinguishable and verifiable.

OVERRIDE CAUSAL RECORDAPPEND-ONLY

ORIGINAL GATE STATE

ABSENT / BLOCK

The original determination state remains preserved.

AUTHORIZED HUMAN INTERVENTION

OVERRIDE_AUTHORIZED

The intervention is a new event, not a rewrite of State 0.

GateLog

APPEND_ONLY_RECORD

Identity, role, time and details are bound to the new record.

INVARIANTAn override does not replace a prior BLOCK/ABSENT state. It creates an additional, isolated evidence record of the human intervention.

caller_diddid:…:actor

caller_roleAUTHORIZED_ROLE

executed_atTAI64N / timestamp

gate_stateABSENT | BLOCK

event_typeHUMAN_OVERRIDE

record_modeAPPEND_ONLY

ATTRIBUTIONThe record binds the documented actor and role to this specific override event. It establishes technical attribution; legal assessment remains with the competent authority.

KEYED INTEGRITY SEAL · CURRENT HMAC ERA

HMAC-SHA256(PIPELINE_SIGNING_KEY, "gate_name:input_hash:sha256(details):executed_at")

DETERMINISMEphemeral processing metadata such as processing_ms is excluded from this integrity path. The signed payload remains limited to canonical, reproducible record fields.

/gateLogVerifyValid signature → integrity verifiable · historical noSig record → UNAVAILABLE_NO_SIGNATURE

TECHNICAL SYSTEM LOGIC

No retrospective sanitization.

The architectural principle is not to prohibit human decisions. It is to prevent machine state and later authorized human intervention from being conflated.

The prior gate state remains preserved as its own state.
The override appears as a new event with its own identity and role binding.
The HMAC-SHA256 seal provides keyed integrity and tamper detection; it is not described here as a post-quantum signature.
Verification establishes technical record integrity and attribution within the documented scope, not automatic personal legal consequences.

Claim Boundary: The record can document who triggered an override, in which role, and whether the sealed record verifies unchanged. Whether that produces liability, and of what kind, is determined by applicable law and the competent institution.

OVERRIDE ACCOUNTABILITY SURFACE →

PUBLIC EXPLANATION

Skin in the Game. Without an invisible red button.

An authorized human intervention may supersede a machine determination without deleting that prior determination from history. That separation is what makes the event auditable: the machine retains its documented state; the human receives a distinct documented act. A later reviewer does not have to reconstruct from diffuse logs whether a warning existed and who acted afterward.

SYSTEM: BLOCK/ABSENT remains preserved → HUMAN: authorized override is recorded separately → EVIDENCE: identity + role + time + record integrity remain verifiable.

Live Due Diligence | immo.quick