How to Prove Crypto
Income for a Mortgage
Applying for a mortgage with crypto? Generate a bank-style statement your lender can actually review — in under 60 seconds.
✔ No private keys · ✔ BTC & ETH supported · ✔ Fiat equivalents included
Generate Your Mortgage-Ready Statement£1 one-time · No subscription · Instant download
Why Crypto Needs More Context
A wallet screenshot or raw export may not give a reviewer enough context to understand balances, dates, ownership, or where funds came from. Requirements vary, so confirm the evidence they need.
Screenshots can be insufficient
A screenshot can be edited and usually lacks a dated transaction trail or independent references.
Crypto is volatile
Without a dated, timestamped statement, lenders cannot assess whether your funds were available at the time of application.
No fiat equivalent
Lenders need to know the GBP value of your holdings — not just the BTC or ETH amount.
No transaction history
Proof of funds requires showing where the money came from. Blockchain data contains this — but not in a usable format.
What Lenders Expect
Reviewers may ask for a dated balance, transaction history, fiat values, exchange records, bank statements, and a written explanation of the funds.
Transaction history
A complete, dated record of deposits, withdrawals, and fees — covering the relevant period.
Clear GBP balances
Opening and closing balances in both crypto and sterling, so the lender can assess asset value.
Formal documentation
A structured PDF — not a screenshot — that can be submitted to a solicitor or broker.
Two Things Your Solicitor Must Verify
Property professionals carry out identity and anti-money-laundering checks. The exact evidence and review process depend on the firm and transaction.
Proof of Funds
Confirms you have enough money to complete the purchase on a specific date. For crypto, this means showing your wallet balance — with a GBP equivalent — at or before exchange of contracts.
What it answers: “Do you have the money?”
Source of Funds
Explains where that money came from. For crypto, a reviewer may ask for transaction history, exchange records and bank records that connect the funds to you.
What it answers: “How did you get the money?”
CryptoBankStatement organises the on-chain record. The PDF includes dated balances and chronological wallet activity. It may support a wider evidence pack, but it does not establish identity or lawful origin on its own.
What CryptoBankStatement Creates
Professional PDF statement
Formatted like a traditional bank statement — opening balance, transactions, closing balance, all in one document.
GBP fiat equivalents
Every transaction and balance shown in sterling using historical market prices at the date of each transaction.
Blockchain verification links
Each transaction includes a link to its on-chain record so any solicitor can independently verify it.
Clear deposit & withdrawal records
Distinct records for incoming funds, outgoing transfers, and network fees — clearly labelled.
Instead of This… Use This
📸
❌ Wallet Screenshot
Rejected. Can be edited. No transaction history. No fiat value.
📋
✅ Structured Crypto Statement
Verifiable. Dated. Formatted. Includes GBP values and transaction history.
Generate in 3 Steps
Enter your Bitcoin or Ethereum address
No login, no private keys — just your public wallet address. Works with hardware wallets (Ledger, Trezor) and software wallets (MetaMask, Trust Wallet).
Set the date range your solicitor needs
Most UK solicitors and conveyancers request 3 months of statements for AML checks, though 6 months may be requested. Select any period from 1 month to several years.
Download and send to your broker or solicitor
Your mortgage-ready PDF is available instantly. It includes GBP equivalents, a full transaction history, and links to each on-chain record for independent verification.
Common Questions
Will UK mortgage lenders accept a crypto statement?
Acceptance varies by lender. Most high-street UK banks still require funds to be held in regulated accounts. However, some specialist lenders and brokers now consider crypto assets as part of deposit planning — particularly when presented as a structured, dated, verifiable document with GBP equivalents. Always confirm with your mortgage broker before submission.
What is the difference between Proof of Funds and Source of Funds?
Proof of Funds shows that funds are available. Source of Funds explains where the money for a transaction came from. A wallet statement can organise the on-chain part of that history, but it does not prove lawful origin on its own and does not replace bank, exchange, identity, or other records requested by a reviewer.
Do I need to show 3 months of crypto history?
The period varies by lender, conveyancer and transaction. Ask the reviewer which dates they require, then select a matching range of up to five years.
Does converting crypto to GBP affect my mortgage?
It can. If you convert crypto to GBP before your mortgage application, the proceeds may be subject to Capital Gains Tax. Your solicitor or lender may also require you to demonstrate that the sale was declared to HMRC. Generating a crypto statement before conversion gives you an auditable record of your holdings at the time of disposal — which is useful for both tax reporting and evidence of funds.
How long does it take to generate?
Usually under 60 seconds for Ethereum wallets, and 1–2 minutes for Bitcoin, depending on your date range and transaction volume.
Generate Your Mortgage-Ready Statement
Takes less than 60 seconds. No signup required.
Create Statement — £1