Introducing Ammoze: Coposit's Trusted Deposit Management Platform

Property deposits are one of the most significant financial transactions in a buyer's life. Yet for decades, the systems managing them have been fragmented, manual, and increasingly exposed to the compliance obligations that Australia's property industry is only now being required to meet. Ammoze is Coposit's answer to that gap.

Launched as Coposit's trusted deposit management platform, Ammoze simplifies purchaser deposit payments with a secure, compliant solution designed to deliver a seamless and transparent experience from the first payment through to settlement. It brings together deposit handling, stakeholder reporting, and AML/CTF compliance into a single platform serving developers, solicitors, agents, financiers, and buyers across every stage of an off-the-plan property transaction.

The Problem Ammoze Was Built to Solve

The administration of property deposits in Australia has long carried friction that most of the industry has simply accepted as unavoidable.

Deposits are held across fragmented trust account arrangements. Reporting is inconsistent. Stakeholders, developers, solicitors, agents, financiers, and buyers, each hold different pieces of information at different points in a transaction, with no unified view of what is happening and when. And interest, which should be invested promptly, is sometimes not being invested at all. The other half represents money sitting idle that should be working.

At the same time, the arrival of Tranche 2 AML/CTF reforms on 1 July 2026 has placed new compliance obligations on real estate agents, solicitors, and developers selling directly to purchasers. Businesses must now verify the identities of buyers and sellers, identify the individuals behind any purchasing entity, monitor for suspicious activity, and report it to AUSTRAC where required.

Ammoze was built to address both problems simultaneously.

How Ammoze Works

At its core, Ammoze creates a single, secure environment for every deposit payment in a property transaction. Payments flow directly to verified bank accounts, eliminating manual entry, unauthorised changes or third-party payments, and the human error that creates fraud and scam risk in conventional payment flows. Trust accounts are established with Commonwealth Bank, NAB, and Westpac, giving developers flexibility in who holds their funds while ensuring deposits are fully protected and invested promptly at market-leading rates.

Every authorised stakeholder receives real-time notifications at each purchasing milestone, supported by detailed recurring deposit holder reports that provide complete and ongoing visibility across a transaction. Tiered access controls determine who can view, approve, and release funds, ensuring that the right people have the right information at the right time without compromising security.

For solicitors and agents managing trust obligations, Ammoze reduces the time, cost, and administrative complexity of trust management, allowing them to focus on legal work and selling rather than compliance infrastructure.

Ammoze | Coposit's Trusted Deposit Management Platform | Learn More or Schedule a Demo

Ammoze as Australia's AML/CTF Solution

The AML/CTF capability within Ammoze is not an add-on. It is built into the platform from the ground up, addressing the precise compliance obligations that Tranche 2 places on property transaction participants. Ammoze can provide the required information, to support AML/CTF obligations across the property transaction and limit customer impact.

How Ammoze Works Alongside Coposit

Ammoze is not limited to Coposit's weekly instalment model. It handles deposits across the full range of payment structures, traditional 5% and 10% lump sum deposits alongside Coposit's progressive deposit model, making it a universal deposit management solution for off-the-plan projects regardless of how buyers are paying.

For developers already working with Coposit, Ammoze is the infrastructure that sits underneath the deposit process. Every payment is tracked, invested, reported, and protected from the moment it is received. The result is a pre-sale environment where developers, solicitors, agents, and buyers all have the visibility and confidence that a significant financial commitment deserves. Australia's all-in-one trust account, payment solution, and AML provider is now live.

Find Out More

Ammoze is operational across a number of off-the-plan projects nationally and is available to developers, solicitors, agents, and financiers looking to modernise how property deposits are managed.

Visit ammoze.com.au to learn more or schedule a product demo.