SECURE TRANSACTION INFRASTRUCTURE
A Proven Model for Secure Digital Ownership Transactions in Jordan
Vehicles today. Real estate next.
17 September 2026
PREPARED FOR
H.E. Eng. Sami Smeirat
Minister of Digital Economy and Entrepreneurship
Hashemite Kingdom of Jordan
MINISTERIAL BRIEFING
02
ONE INFRASTRUCTURE.
MULTIPLE OWNERSHIP TRANSACTIONS.
MULTIPLE OWNERSHIP TRANSACTIONS.
CITIZENS
BUSINESSES
BANKS
GOVERNMENT
SECURE TRANSACTION INFRASTRUCTURE
VEHICLES
LIVE TODAY
REAL ESTATE
NEXT
LIVE 25 AUG 2025
•
REAL TRANSACTIONS
•
CBJ REGULATORY SANDBOX
DEPLOYMENT FLEXIBILITY
03
ONE ENGINE.
MULTIPLE WAYS TO DEPLOY IT.
MULTIPLE WAYS TO DEPLOY IT.
eDamana
Standalone
SANAD
Government experience
Banks & Dealers
Partner channels
ONE ENGINE
IDENTIFY
VERIFY
SECURE
CONFIRM
RELEASE
THE FRONT END CAN CHANGE.
THE TRANSACTION ENGINE DOES NOT.
THE TRANSACTION ENGINE DOES NOT.
CONCEPT
خدمات المركبات
الدفع الآمن ونقل الملكية
التحقق من الهوية · تأمين المبلغ · تأكيد نقل الملكية
ابدأ المعاملة الآمنة
مدعوم منeDamana
Conceptual service experience.
Not currently live inside Sanad.
Not currently live inside Sanad.
SETTLEMENT ARCHITECTURE
04
ONE PROVEN FLOW.
BUILT TO SCALE NATIONALLY.
BUILT TO SCALE NATIONALLY.
Payment infrastructure
TODAY
PROVEN
OFFICIAL CONFIRMATION
CURRENT ESCROW HOST
BUYER
SANAD
Identity
eDAMANA
Orchestrate
DVLD
Confirm
BANKING
Secure + Settle
SELLER
RELEASE
PROPOSED
MULTI-BANK NETWORK
FASTER RELEASE WHERE SUPPORTED
Arab Bank
BANK B
BANK C
BANK D
SAME PROVEN TRANSACTION.
EXPANDED BANKING PARTICIPATION.
EXPANDED BANKING PARTICIPATION.
TRANSACTION MODELS
05
BUILT FOR HOW VEHICLES
ARE ACTUALLY BOUGHT.
ARE ACTUALLY BOUGHT.
CASH
100%
FUNDS SECURED
Ownership transfer
DVLD CONFIRMS
RELEASE
FINANCED
Down payment
+
FINANCING BANK COMMITMENT
DIGITAL LETTER
OF GUARANTEE
OF GUARANTEE
Ownership + mortgage
DVLD CONFIRMS
RELEASE
OFFICIAL CONFIRMATION
→
eDAMANA RELEASE
SAME TRANSACTION CONTROL.
DIFFERENT FINANCIAL COMMITMENT.
DIFFERENT FINANCIAL COMMITMENT.
NEXT STEP
06
FROM PROVEN INFRASTRUCTURE
TO NATIONAL IMPLEMENTATION.
TO NATIONAL IMPLEMENTATION.
01
CITIZEN EXPERIENCE
SANAD
02
BANKING MODEL
MULTI-BANK
03
GOVERNMENT TRIGGER
DVLD
NEXT STEP
ONE JOINT WORKING SESSION
MODEE+DVLD+CBJ+eDamana
Align the national model and define how eDamana can contribute to the solution.
THE INFRASTRUCTURE EXISTS.
THE NEXT STEP IS IMPLEMENTATION.
THE NEXT STEP IS IMPLEMENTATION.
SECURE TRANSACTIONS.
CONNECTED INFRASTRUCTURE.
CONNECTED INFRASTRUCTURE.
Vehicles today. Real estate next.
Built in Jordan. Designed for national-scale ownership transactions.
THANK YOU
www.edamana.com