Runs the full rent-to-own property lifecycle for PH and UAE markets — listings and reservations, rent-credit ledger, payment reconciliation, commissions and compliant cancellations — with a transparent buyer app and audit-ready accounting.
Runs the full rent-to-own property lifecycle for PH and UAE markets — listings and reservations, rent-credit ledger, payment reconciliation, commissions and compliant cancellations — with a transparent buyer app and audit-ready accounting.
LeaseOS is built for rent-to-own teams in real estate, across the UAE and Philippines. It is delivered under Outcome-as-a-Service: Xamun invests the build, deploys it on your infrastructure, and you pay per transaction the system processes.
LeaseOS carries the following regulatory and compliance surface, enforced in the workflow rather than documented beside it. The GraphIQ compliance layer keeps these rules current as they change.
Not a property CRM with a payments bolt-on. Every module is shaped around how structured rent-to-own financing actually works — and around the laws that govern it.
Buyer onboarding & digital offers Invite a tenant-buyer by email, let them set a password, and present a Selected-Offer view with condo photos and floor plan. Accept/Decline is captured digitally — and gates contract generation.
Maceda-compliant contracts The RA 6552 lifecycle is built in — contract generation only after an accepted offer, signing, and activation that wires up the ledger. No off-system steps that strand a deal.
Amortization ledgers Every contract activates a per-buyer ledger account with its schedule and running balance. Payments post in real time, and the books reconcile to the cent on demand.
Treasury reconciliation & payment proofs Buyers upload payment proof from the app; treasury reconciles it against the schedule, issues an official receipt, and the buyer's view flips to Reconciled — no orphaned submissions.
Event-driven commission engine Commissions accrue automatically at lifecycle milestones — reservation, notarisation, payment progress, conversion — and clawbacks are written back when a deal goes delinquent.
Arrears & collections Arrears compute automatically from the schedule, surfacing delinquency early with a clear collections worklist — so you act before a deal becomes a cancellation.
Cancellation & refunds Maceda cancellation is handled end to end: cash-surrender-value computation, refund disbursement, and the unit returning to Available — all in one transaction, never half-done.
Option-to-buy conversion & title When the buyer exercises the option, conversion executes atomically — unit flips to Sold, contract and ledger close together, and the deal is ready for title transfer.
Installable buyer PWA Tenant-buyers track their balance, next installment and full payment history from an installable web app with a mobile bottom-tab nav — no app-store gatekeeping, offline-friendly.
Real screens from the live demo you can open above. Your own deployment is a separate instance, branded and configured to your operation.
Stacked against the three ways developers run rent-to-own today.
| Capability | LeaseOS Purpose-built for rent-to-own | Generic property CRM(lead / listing tools) | In-house build(custom dev project) | Spreadsheets |
|---|---|---|---|---|
| Maceda Law (RA 6552) lifecycle | ● Built-in | ✕ Not supported | ✕ Custom build | ✕ Manual |
| Digital offer with Accept/Decline gating | ● Native | ◑ Lead capture only | ◑ Build it | ✕ None |
| Amortization ledgers per buyer | ● Real-time | ✕ No financing engine | ◑ Custom | ✕ Error-prone |
| Treasury reconciliation & receipts | ● Built-in | ✕ Not supported | ◑ Custom | ◑ Manual |
| Event-driven commissions & clawbacks | ● Automatic | ◑ Basic / static | ◑ Custom | ✕ Manual |
| Arrears & collections worklist | ● Automatic | ✕ None | ◑ Custom | ✕ Manual |
| Cancellation, refund & option-to-buy conversion | ● Atomic, end-to-end | ✕ None | ◑ Custom | ✕ Manual |
| GCash / Maya proof & payment rails | ● Native | ◑ Varies | ◑ Integration project | ✕ Manual |
| PH & UAE compliance (DHSUD / RERA / escrow) | ● Both markets | ✕ Not localized | ◑ Custom | ✕ Manual |
| Mobile-first buyer PWA | ● Included | ◑ Varies | ✕ Separate project | ✕ None |
| Time to go live | ● Weeks | ◑ Months (still no financing) | ✕ 6–18 months | ● Immediate* |
| Source code ownership & white-label | ● You own & rebrand it | ✕ Vendor's product | ● Yours, at full cost | ◑ Files only |
| Hosting & data residency control | ● Your infra, any region | ✕ Vendor cloud only | ● Your infra | ◑ Your device |
| Commercial model | ● One-time perpetual licence | ✕ Recurring per-seat SaaS | ✕ Build + maintain forever | ◑ Cheap, then costly |
Under Outcome-as-a-Service, with no upfront CAPEX. What you open above is a demo instance; what you buy is your own separate deployment — on your infrastructure, under your brand, source-available, and configured to how your operation actually works. Xamun invests the build, and you pay a per-transaction fee on what the system processes. A slow month is a small invoice; if it does not run, you do not pay.
Bring us one workflow and we will show you LeaseOS running it.
