In productionOverseas property payments
Your money crosses borders. Why not your credit history?
Finpass links every overseas property instalment to its contract — whatever rail the money travels on — confirms it with the bank, never a screenshot, and turns on-time payments into a financial passport that travels with you.
For anyone paying for land, a home or a build in another country — starting with Brazilians living in New Zealand, Australia and the United States.
- Holder / Titular
- SOUZA, MARIA
- Contract / Contrato
- HORIZONTE · 804
- Instalment / Parcela
- 37 / 120
- Amount paid / Valor pago
- R$ 2,450.00
- Confirmed by / Confirmado por
- AGENCY’S BANK · 10 OCT 2026 · 14:32
- Held by Finpass / Retido pela Finpass
- R$ 0.00
The problem
Every rail moves the money. None of them says what it’s for.
The payment can’t prove itself
It lands with a name and an amount — nothing that says which contract it pays. Where compliance is tight, that’s reason enough to stall it.
It doesn’t know what it’s for
Nothing links the transfer to instalment 37 of the contract. Buyers keep screenshots; agencies match payments by hand.
Your history disappears
Years of paying on time build credit in no country. Move again, and you start from zero again.
What Finpass is
A payment that knows what it’s for.
Finpass doesn’t move money — banks and licensed transfer services already do that. It orchestrates the payment around them, so every instalment is linked, confirmed and remembered, whichever rail the money takes.
Pay the right instalment
The buyer chats, picks the instalment and gets exact payment instructions for the agency’s own account — with a reference that identifies it.
Confirmed and matched
Finpass checks directly with the bank, matches the money to the contract and sends a receipt anyone can verify.
Stamped in the passport
Each on-time instalment becomes a signed record — a credit history the buyer owns and can share.
Not a remittance service, a bank or a wallet — those move the money. Finpass is the layer above them that makes each payment count.
See how it works, step by step →The one idea to remember
The money goes straight. The information goes through Finpass.
Reminders that run themselves
Nobody chases a payment again.
Every instalment gets reminders on a schedule the agency sets — by default five days before, the day before, the due date and three days after. Each goes out once, at the agency’s local time, in the buyer’s language.
Five days before
The first reminder, with the payment ready.
The day before
The same payment link — no second charge is created.
On the due date
A short nudge on the day.
Three days after
Only if it’s still open. Paid instalments leave the schedule.
Who gains what
Everyone in the chain ends up with something they don’t have today.
The buyer
Transfers with no reference, screenshots, no credit
Pays in a chat, gets a verifiable receipt, builds a passport
The buyer’s side →The agency
Manual matching, turns foreign buyers away
Payments match themselves; a new market of buyers abroad
For agencies →Banks & lenders
Money with no story; migrants with no score
Payments with purpose attached; history they can verify
For lenders →The passport in practice
Every on-time instalment is a stamp.
Three years of paying for an apartment is some of the best evidence of trust a person can have. Finpass keeps it — signed and verifiable — so it can travel with the buyer to a bank, a landlord or a lender in any country.
FinpassGet started
Bring your buyers abroad into one chat.
Finpass is in production. Tell us about your contracts and we’ll show you how it runs with your bank.
- With your own contracts. The buyer’s chat, the dashboard and how your bank connects.
- In your language. English, Portuguese or Spanish.
- Buyers never pay. Agencies subscribe by active contracts.