Buyers pay for checks and monitoring. Developers never pay Kolaboro: the evidence sets every Score. Agents never take money from developers.

Is Kolaboro a lawyer or a notary?

No. Kolaboro agents verify facts on the ground and in documents and tell you what they found. For legal advice and to sign, use an independent lawyer or notary; we can tell you what to ask them.

Do you hold my money?

Not yet. Today your agent confirms each milestone on site and tells you whether the evidence supports paying. Milestone escrow with licensed partners is on our roadmap.

We are launching in Bali first and adding cities as we train local agents. If you are buying somewhere else, tell us where: demand decides the next city.

How do you decide "go" or "hold"?

Nine checks, from land title to realistic promises. A red flag on title, permits or progress means "hold" until it is fixed, and every finding links to its evidence. The full method is public.

Can a developer influence a report?

Only with evidence. Developers can send documents and reply, but never pay us. Where something can't be verified, the report says so instead of guessing.

What if I already bought?

That's when monitoring matters most. We can verify where construction really is before your next payment.

Kolaboro / Tools / Payment account check

Before you send the deposit: is this the right account?

Paste the IBAN and SWIFT code from the payment instructions and pick the developer's country. You see typing errors, the bank code, and whether the money would leave the developer's country.

Nothing you type is stored or sent. The checks run in this page (iban.js); the fields are not saved, not even in your browser. Site analytics are masked on this tool: they never see what you type or the results.

How it works

What is checked, and what no website can check

IBAN

The two check digits must make the whole number leave a remainder of 1 when divided by 97 (ISO 13616). That catches every single wrong character and every swap of two neighbouring characters. The length and the places of letters and digits are checked against the format each country registers with SWIFT, and the bank and branch codes are cut out where that format defines them.

SWIFT / BIC

Four letters for the bank, two for the country, two for the location and an optional branch (ISO 9362). We compare its country with the IBAN and with the developer.

Countries without IBAN

Indonesia, Thailand, Mexico, the USA and many other markets do not use IBAN. A developer there normally gives a local account and a local bank's SWIFT code. Mexican CLABE and US routing numbers have checksums, which we test.

What no website can check

Who owns the account. Ask that the account holder name is the company on your contract.
Whether the instructions were changed by a fraudster in an email. Confirm by phone, on a number you found yourself, before every payment.
Whether the account is an escrow or trust account.

Score the payment plan Check the contract PDF