Crypto Proof of Funds:
the checklist of what you really need
Your bank is asking where your crypto came from. Here is which documents and data you need to put together for it. And why the tax report alone is not enough.
30 min · Free · No commitment
Robert & Johannes · personally review your data
What the bank wants, and where TX-Partner steps in
A proof of funds answers a different question than your tax return. The tax authority wants to know the profit. The bank wants to see the origin and the path of the funds, without gaps. That has two sides.
The bank's question
Usually triggered by a payout to your checking account, opening an account, or crypto used as loan collateral. For many banks it already stands out in the five-figure range. The bank then wants to know where the assets came from and which path they took.
Your side: the fiat origin
The origin of the money you put in, meaning salary, savings, or a sale, you prove through your bank statements. Where your money originally came from is something you clarify with your bank.
The crypto side: this is where TX-Partner steps in
TX-Partner reconstructs, prepares and analyses your crypto data and makes it readable, so the bank can follow the trail. What happened to your money in the crypto world is the question TX-Partner answers.
Why the tax report is not enough
A tax report and a proof of funds use the same data but answer different questions. One shows profit and tax burden, the other shows origin and path.
The tax report
Answers the tax authority's question: how much profit, how much tax. A summary of the result, not proof of the path the money took.
The proof of funds
Answers the bank's question: origin and path. A continuous, readable trail of the money flow that the tax report does not provide in that form.
A proof of funds almost never fails over the money. It fails over a missing, gapless trail and over unprepared raw data. That is exactly the gap TX-Partner closes.
The checklist: the crypto side of your proof
This is what the bank needs to follow the trail through the crypto world. These are exactly the data points TX-Partner prepares:
01 Complete transaction history
Every exchange and every wallet you have ever used, across the full time period. The bank wants to see the whole path, not just the current year. Only the continuous history shows that nothing is missing and that no amount appears unexplained.
02 Deposits and withdrawals on the exchanges
Which fiat amounts went into and out of the exchanges, matched against your bank statements. This is the bridge between your bank account and the crypto world. This is exactly where the trail breaks most often, because the link is missing.
03 Wallet addresses with chain
A complete list of all addresses, each with its corresponding chain. Only then can on-chain movements be assigned to you, instead of ending as anonymous transfers into nowhere. Without this mapping, every wallet stays an open question for the bank.
04 Traceable money flow through crypto
A continuous trail from the first deposit to the payout, without breaks. Through the transaction hashes for movements between your own wallets, the bank sees that a transfer is not an inflow from outside, but stays your own money.
05 Prepared, readable form
A document a case handler can review in a few minutes. A tool export with thousands of rows is unusable for the compliance department, no matter how complete the data inside it is.
+ Your side: the fiat origin
The origin of the money you originally invested, such as salary or savings, you prove yourself through your bank statements. TX-Partner takes care of the five points above: the crypto side.
The list is set. Now comes the hard part.
Preparing your real crypto data without gaps and in a bank-ready form is the actual work. In the free Data Check, TX-Partner goes through it with you for your specific case.
These gaps leave the checklist incomplete
Submitting only the tax report
The bank does not want a tax summary, it wants the transaction history. A tax report answers the wrong question.
Forgetting an exchange or wallet
The ones typically overlooked are the first exchange, intermediate exchanges, and old hardware wallets. If a source is missing, the trail breaks, and that is exactly where the bank steps in.
The fiat bridge is missing
Without matching the fiat deposits and withdrawals against your bank statements, the transition between account and exchange cannot be proven. For the bank, it then stays open how the money got from your account into the crypto world.
Passing on the raw export unfiltered
Thousands of rows of tool export are unusable for the compliance department. Without readable preparation, the bank does not recognise the trail, no matter how complete the data is.
What TX-Partner creates for the crypto side
TX-Partner brings your crypto transactions together from all sources, fills in missing wallet addresses and exchange movements, and turns it into a continuous, readable trail the bank can follow.
Wallet Discovery
Identify all wallet addresses and trace the transaction flow between wallets, exchanges, and DeFi protocols.
Transaction History
Complete, chronological documentation of all crypto transactions with timestamps, amounts, and fiat values.
Bank-ready proof
The prepared documentation is structured so that bank staff without crypto knowledge can review the proof of funds.
Your checklist, for your case gone through.
When the bank asks about the origin, every gap counts. In the Data Check, TX-Partner looks with you at where documents or data are still missing.
Book Data Check 30 min · Free · No commitment500+ documented cases · personally reviewed by Robert & Johannes
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Note: TX-Partner does not issue a proof of funds in the legal sense of the Austrian FM-GwG (Financial Markets Anti-Money Laundering Act) or comparable regulations. TX-Partner provides the complete crypto accounting (transaction history, wallet mapping, on-chain verification) that serves as the data basis for such proof. Review and acceptance is at the discretion of the respective financial institution.