Proof of Funds

Crypto Proof of Funds

Your bank or crypto exchange requires proof of funds for crypto assets? TX-Partner creates source of funds documentation that banks accept – complete, transparent, and verifiable.

Free Documentation Check

Initial assessment of your documentation · 30 min

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Robert Thorn

Robert Thorn

 · Johannes Anderl

Johannes Anderl
Crypto documentation experts since 2021
Why Proof of Funds Matters
EU-AML
EU AML Package
TFR
Travel Rule (0 EUR)
MiCA
EU Regulation
BSA
US Compliance

When Banks Request Proof of Funds

TX-Partner encounters these situations regularly. All of them are solvable.

Deep Dive

Tax reports won't satisfy your bank

A tax report from Blockpit or CoinTracking shows gains and losses for tax authorities. Banks need something different: a complete trail of fund flows – where the coins originated, how they moved, and how the current balance was built.

Request a check
01_PAYOUT_BLOCKED

Withdrawal blocked

You want to transfer crypto gains to your bank account, but the bank asks about the origin of the funds? Without proof, the transfer remains on hold.

02_ACCOUNT_FROZEN

Account frozen

Larger crypto deposits into your bank account can trigger a compliance review. The bank freezes your account until you can prove the origin of your funds.

03_LOAN_APPLICATION

Mortgage or loan application

Using crypto as equity for a mortgage or loan? Banks require verifiable documentation of where your crypto assets originated and how they developed over time.

The Difference

Tax Report vs. Proof of Funds

Same process at TX-Partner, different output. Both are based on the same thorough crypto documentation.

Tax Report

  • → For tax authorities and tax advisors
  • → Shows gains, losses, and taxable events
  • → Based on correct classification in the crypto tax tool
  • → Tax year specific

Proof of Funds

  • For banks and financial institutions
  • Shows fund flows – where the coins originated
  • On-chain verified via TX hash
  • Complete asset development documented

Same process at TX-Partner: Complete crypto documentation is the foundation for both – tax reports for authorities and proof of funds for banks.

Our Process

How your proof of funds is created

1

Inventory Assessment

Record all exchanges, wallets, DeFi protocols, and blockchains – across the entire history.

2

Trace Fund Flows

Combine on-chain analysis and exchange data to document every fund flow without gaps.

3

Create Documentation

Prepare complete crypto documentation following the TX-Partner Documentation Standard.

4

Deliver Proof of Funds

Bank-ready proof of funds with transparent asset development and on-chain verification.

Result: A proof of funds that meets your bank's requirements – complete, transparent, and on-chain verified.

Quality Promise

Bank-ready documentation – by standard

COMPLETE
TRANSPARENT
ON-CHAIN VERIFIED
BANK-READY

TX-Partner's proof of funds is built on the TX-Partner Documentation Standard. Every fund flow is documented, every transaction on-chain verifiable. Banks receive documentation that meets their compliance requirements.

Learn about our Documentation Standard
PROOF_OF_FUNDS
Bank requests proof of funds
TX-Partner Proof of Funds
VERIFIED

From Practice

A common scenario: Crypto holders with multiple exchanges, wallets and DeFi activity suddenly receive a bank inquiry about the source of five- or six-figure withdrawal amounts. The key factor: the more complete and gap-free the transaction history, the faster the bank accepts the documentation. Typical bank processing time after submission: 3–7 business days.

Structure & Content

Proof of Funds Template: Typical Structure

There is no single standard required by all banks. In practice, however, the following components are expected in most cases.

01_FUND_FLOW

Complete Fund Flow Documentation

From the first deposit (fiat to crypto) through all transfers, trades and activities to the final withdrawal. No gaps in the chain.

02_ON_CHAIN

On-Chain Verification

Transaction hashes for key transactions that are verifiable on the blockchain. The bank or its compliance team can independently verify these.

03_WALLET_MAP

Wallet & Exchange Assignment

Clear overview of which wallets and exchange accounts belong to you and how they are interconnected.

04_TIMELINE

Asset Development Timeline

Chronological representation showing how the crypto portfolio developed over time.

05_PRESENTATION

Compliance-Ready Presentation

The document must be understandable for non-crypto experts. A bank's compliance team is usually not a blockchain specialist – a clearly prepared document is essential.

Important: An empty template won't help if the underlying data is missing. TX-Partner creates your individual proof of funds based on your actual transaction history – complete, on-chain verified and compliance-ready.

Frequently Asked Questions

What is a crypto proof of funds?

A crypto proof of funds documents the origin and flow of crypto assets. Banks and financial institutions require this documentation when crypto funds are transferred to a bank account – whether for withdrawals, loan applications, or larger account movements. The proof traces where the funds came from and how they developed over time.

Why don't banks accept a tax report as proof of funds?

A tax report from crypto tax tools like Blockpit or CoinTracking shows gains and losses for tax authorities. Banks need a different perspective: they want to see the flow of funds – where the coins came from, how they moved, and how the current balance was built. These are different documentation requirements.

When do I need a crypto proof of funds?

Common triggers include: withdrawing crypto gains to a bank account (possible for five-figure amounts, almost always required for six figures and above), applying for a mortgage or loan with crypto assets as equity, opening an account at a new bank with crypto as the declared source of wealth, or a general compliance review by your bank.

What does a TX-Partner proof of funds include?

TX-Partner creates a comprehensive proof of funds following the TX-Partner Documentation Standard: complete tracking of all fund flows, on-chain verification via TX hash, mapping of all wallets and exchanges, transparent documentation of asset development, and a presentation that meets the requirements of banks and compliance departments.

How long does it take to create a proof of funds?

The timeline depends on the complexity of the portfolio. For straightforward portfolios with few exchanges and wallets, the proof of funds can be completed within a few days. For complex DeFi portfolios with many chains and protocols, it may take several weeks. TX-Partner provides a realistic estimate during the initial Documentation Check.

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Proof of Funds for your bank

Start with a free Documentation Check as the foundation for a verifiable proof of funds for your crypto assets.

Free Documentation Check

TX-Partner provides documentation services. The decision on acceptance rests with the respective bank. No legal or tax advice.