From 1 July 2026, Australian real estate agents, conveyancers, lawyers and accountants must comply with new anti-money-laundering laws. Caltury is the software that does the compliance work for you— verifying customers, screening for risk, drafting reports, keeping records — from A$99 a month.
No credit card. AUSTRAC enrolment usable in trial. Cancel anytime.
You have 49 days until AML/CTF Tranche 2 commences.
In plain English
If you haven't read the AML/CTF Act and aren't sure what this product solves, here's the four-paragraph version.
It's called AML/CTF Tranche 2. Roughly 107,000 small Australian businesses — real estate agents, conveyancers, lawyers, accountants — fall under it for the first time. AUSTRAC is the regulator. Civil penalties run to A$22.2m per breach.
On every client, you need to verify who they are, check them against sanctions and politically-exposed-person lists, document the risk, and lodge reports to AUSTRAC if anything looks suspicious. You keep the records for seven years.
We're not a lawyer or a consultant or a policy document. We're the platform that drives the daily workflow: customer onboarding with one-click ID verification, automatic sanctions screening, guided report drafting in AUSTRAC's required format, dated training certificates for your staff, and a tamper-evident 7-year audit trail.
Practices that wait until June will be scrambling. From A$99/month with a 14-day free trial, no credit card needed. Australian-built, Sydney-hosted, run by a one-person team that answers every email personally.
Built to · Aligned with · Designed for
In scope from 1 July 2026
AUSTRAC's reform extends the AML/CTF Act to roughly 107,000 small businesses that have never been reporting entities before. Caltury covers each of these verticals end-to-end.
Buying, selling, leasing — Tranche 2 captures the lot.
Conveyancing, trust accounts, structuring advice.
Arranging transactions, trust accounts, structuring.
Property settlement on behalf of buyers and sellers.
Forming entities, acting as nominee directors/trustees.
High-value untraceable goods.
The product
Five-step wizard generates your enrolment package — designated services, compliance officer, beneficial owners. You lodge with AUSTRAC Online; we record the reference and start your annual-review clock.
Generate an AUSTRAC-aligned ML/TF risk assessment in 7 minutes, then auto-produce Part A and Part B of your AML/CTF Program from vertical-specific templates. Editable section-by-section. Versioned. Printable as PDF.
Add a customer in 60 seconds. Send a verification link backed by Stripe Identity (document + selfie + AU DVS). On success, we screen the customer against DFAT, UN, OFAC, EU and PEP lists automatically. Elevated matches surface for review.
Walk a structured intake, get an AUSTRAC-format SMR narrative drafted in seconds, edit freely, finalise and lodge. Tipping-off prohibition built into the UX. Lodgement reference recorded.
The 10 obligations
Caltury handles each of these end-to-end. You stay the reporting entity; we're the toolkit that keeps your house in order.
Submit your enrolment within 28 days of providing designated services.
A documented assessment of money laundering and terrorism financing risk in your business.
Part A: general program. Part B: customer ID procedures. Approved by the Board / governing body.
Verify the identity of every customer before providing designated services.
Check customers against UN, OFAC, DFAT and EU sanctions and PEP lists.
Within 3 business days. 24 hours if terrorism financing is suspected.
Cash transactions A$10,000 or more — within 10 business days.
Customer records, transaction records, training records, AML/CTF Program versions.
All staff exposed to designated services must complete AML/CTF training and have it documented.
Your AML/CTF Program reviewed annually by an independent party.
Security & data residency
Lawyers, accountants, and real estate principals don't put client data on platforms they can't trust. Caltury is built to be the one they can.
All data stored in Sydney (AWS ap-southeast-2). Application servers pinned to AWS Sydney via Vercel Pro. Compliance with the Privacy Act and our customers' professional regulators.
TLS 1.3 in transit, AES-256 at rest. ID documents stream to Stripe Identity and are never stored on Caltury infrastructure.
Postgres RLS scopes every record to your practice. No other Caltury customer can see your data — enforced at the database, not at the application.
Every action — create, read, update — captured against the user who took it. Required for AUSTRAC inquiries, AHPRA reviews, and your own annual independent review.
Full list at /sub-processors. Stripe, OpenSanctions, Anthropic, Resend — each disclosed with what data they receive and where they're located.
APP 1–13 compliant from day one. Published privacy policy, breach notification process, sub-processor list, customer access and correction rights.
Founding 10 program
Caltury is new. The Tranche 2 regime is new. We're looking for ten Australian practices to set up alongside us in the weeks before 1 July 2026 — agencies and firms who want a direct relationship with the people building the platform, not a ticket number in a Zendesk queue.
Whatever tier you choose at signup, that's your monthly price for as long as you stay a Caltury customer. If we raise prices for everyone else later — and we will — your bill doesn't change.
Direct line to me. Bug reports, feature requests, AUSTRAC questions you can't get a straight answer to anywhere else. Reply window: same day, every day, until we hit 50 customers.
Book a 30-minute screen-share. I sit with you while you set up your practice — risk assessment, AML/CTF Program, your first three customer files. Your AUSTRAC enrolment package is signed off before we end the call.
Founding 10 customers each get one veto on a feature priority. If you tell me “don’t build that, build this instead”, I do.
Pricing
All prices AUD, ex GST. Stripe Identity KYC verifications included to plan limit; extra at A$3.50 each. 14-day free trial.
Sole practitioners & 1–2 staff
per month, ex GST
Start free trialUp to 10 staff
per month, ex GST
Start free trialUp to 50 staff
per month, ex GST
Start free trial50+ staff or multi-entity? Talk to us about an Enterprise plan with SAML SSO and SLAs.
Questions
No — AUSTRAC does not certify, approve or endorse software vendors. Caltury is a compliance technology provider, built to AUSTRAC's published guidance. You remain the reporting entity and are responsible for your own compliance.
No. Caltury helps you prepare your enrolment, your reports and your records. You always lodge with AUSTRAC directly, through AUSTRAC Online. That's both a legal and a best-practice line.
Australia. All customer data and uploaded documents are stored in Sydney (Supabase + Vercel AU regions). Identity verification flows through Stripe Identity; we document this clearly in our privacy policy.
Caltury is software, not advice. For your initial program review, your independent annual review, and any genuinely complex matter, you should engage a compliance professional or lawyer. We help you get the basics right — and stay right.
You can keep using your enrolment package and risk assessment even if you don't continue. Live CDD, SMR drafting and records vault require an active subscription. Cancel any time.
Caltury takes the facts you capture and structures them into AUSTRAC's required three-section narrative. You review every line and edit before finalising. Your Compliance Officer is the legal author of every SMR — we just save them an hour of drafting and make sure the format is correct.
The penalty for getting AML/CTF wrong is not a slap on the wrist. Start your free trial today; have your enrolment package and risk assessment in hand by the end of the week.
No credit card. Set up your practice in 7 minutes.