Xamun runs the Philippine real-estate backroom — rent-to-own, brokerage and rental operations — as systems you own, with DHSUD and Maceda Law obligations enforced in the workflow rather than tracked beside it.
The portfolio is the same; the regulatory pack is not. These are the obligations the products enforce in this market.
Verified before a pre-selling deal progresses. In DealOS this gate is currently declarative — recorded and surfaced, not yet system-enforced — and the product says so on the gate itself rather than implying an automated check it does not perform.
The Realty Installment Buyer Protection Act. LeaseOS implements it properly: grace periods are monitored, cancellations compute cash surrender value from the payment ledger, a notarial notice and voucher are drafted, and a 30-day cooling-off period is enforced before any disbursement. Underpayments tag arrears without consuming penalty, which is what the Act requires.
CTS executed and notarised as a tracked gate in the pre-selling pipeline, tied to the Maceda rule set.
Capital gains or creditable withholding tax plus documentary stamp tax cleared before title moves. Declarative in DealOS today.
A hard gate — the deal cannot certify as closed until title transfer is verified against the registry.
Housing loan take-out under HDMF guidelines and BSP lending regulation, modelled as a hard financing gate.
Compliant Official Receipts issued against the payment record, 12% VAT backed out of the VAT-inclusive lease portion with rent credit zero-rated, and commission schemes carrying expanded withholding tax and clawback.
Buyer KYC and AML clearing as a hard gate before a deal advances.
Smaller developers and brokerages — operators running pre-selling and rent-to-own inventory where the administrative load per unit is high, margins are thin enough that leaked receivables matter, and a compliance failure on an installment buyer’s rights is expensive to unwind.
LeaseOS is the anchor product in this market. It runs the full rent-to-own lifecycle — listings and reservations, the rent-credit ledger, payment reconciliation across bank, e-wallet and post-dated cheques, commission schemes with EWT and clawback, and Maceda Law cancellations — with a buyer transparency app so the installment buyer can see their own accrued credit rather than requesting a statement.
Only the products that genuinely apply in this market are listed. A product built to another jurisdiction’s law is not shown here at all.
The compliance pack is the jurisdiction-specific rule set the products run against, held in GraphIQ as a queryable knowledge graph rather than hard-coded into each application. The same product portfolio serves both markets; swapping the pack is what makes it lawful in each. When a rule changes, the graph changes and every product consuming it changes with it — as part of operations and maintenance, not a re-implementation project.
LeaseOS, DealOS, AgencyOS and ReferralOS are available today and each has a live demo you can open. DealOS carries a dedicated Philippine pre-selling rule set alongside its Dubai one, and ReferralOS runs natively in pesos. RentalOS is assigned to this market with its Philippine compliance pack still in progress. What you buy is your own separate instance — on your infrastructure, under your brand, source-available and configured to your operation.
Cancellations run through a Maceda Law path in LeaseOS rather than a generic termination flow, so an installment buyer’s accrued rights are computed from the payment record instead of being assumed or handled case by case.
Yes. Compliant Official Receipts are issued against the payment record itself, and commission schemes carry expanded withholding tax and clawback treatment, so the tax position falls out of the transaction rather than being reconstructed later.
Because the regulation is different, and a product built to Dubai tenancy or escrow law has no application here at all. Pre-selling in the Philippines runs on contract-to-sell and in-house financing rather than developer escrow, so the products that implement the UAE regime are simply not part of this market’s portfolio. Listing them would be noise.
Not all of them, and the products say so rather than implying otherwise. Buyer KYC/AML, financing take-out and Registry of Deeds title transfer are hard gates a deal cannot pass without clearing. The DHSUD Licence to Sell, Contract to Sell execution, BIR CAR and unit turnover are currently declarative — recorded and surfaced for a human to confirm, not machine-verified. Each one is labelled on the gate itself.
GraphIQ models property regulation as a queryable knowledge graph the products consume through an API. When a rule changes, the graph changes and the products enforcing it change with it, as part of operations and maintenance.
Bring us one workflow and we will show you it running under the Philippines pack.