Crypto Proof of Funds
for the EU
A dated, bank-style PDF of your Bitcoin or Ethereum wallet activity with EUR equivalents — built for EU property purchase, mortgage applications, and MiCA / AMLD 5 / AMLD 6 source-of-funds checks across member states.
✔ EUR equivalents · ✔ Member-state agnostic · ✔ Independently verifiable
Create Your Crypto Statement€1 one-time · No subscription · No account required
The EU Source-of-Funds Stack
Three overlapping rule sets shape what EU counterparties expect. They harmonise across member states — only the national authority changes.
MiCA (Markets in Crypto-Assets Regulation)
Sets the framework for CASPs (Crypto-Asset Service Providers) operating in the EU. Phased into effect 2024–2025. Improves the quality of documentation banks and notaries receive at the EUR-conversion step.
AMLD 5 (Fifth AML Directive)
Brought exchanges and custodial wallet providers in scope across all 27 member states from January 2020. Drives the source-of-funds requirements your notary or bank applies today.
AMLD 6 + AMLR + AMLA
AMLD 6 (criminal liability) plus the upcoming AML Regulation and the new AML Authority (AMLA) tighten beneficial-ownership tracing and source-of-funds expectations. Direct effect once AMLR is in force.
Documentation only. We do not provide legal, tax, or compliance advice — confirm specific requirements with your accountant, notary, or legal counsel.
Who Uses This in the EU
Germany (DE) — property & bank
Notar source-of-funds for property purchase; BaFin-regulated banks running EDD on crypto-linked deposits.
Spain (ES) — property & Modelo 720
Spanish notaries (notario) for property purchase; AEAT tax-reporting reconciliation for residents.
France (FR) — property & flat tax
French notaire source-of-funds for property; AMF-aligned banks; PFU (flat tax) reconciliation.
Italy (IT) — RW & property
Italian notai and Banca d’Italia EDD; Quadro RW foreign-asset declaration reconciliation.
Netherlands (NL)
DNB-regulated banks; Box 3 wealth-tax reconciliation; property purchase notaris source-of-funds.
Portugal (PT) — D7 & property
Portuguese property notarial deeds; D7 visa source-of-funds; recent CGT regime documentation.
Common Questions
Will EU notaries and banks accept crypto as proof of funds?
Acceptance varies by member state and counterparty, but the documentation expectation is increasingly uniform thanks to AMLD 5 / AMLD 6. Spanish, Italian, French, and German notaries handling property purchase routinely accept a structured wallet statement as the on-chain leg of source-of-funds documentation. A wallet screenshot is not sufficient anywhere. A bank-style PDF with EUR equivalents and a dated transaction history is the minimum bar.
How does MiCA affect proof-of-funds requirements?
MiCA (Markets in Crypto-Assets Regulation) primarily regulates Crypto-Asset Service Providers (CASPs) — exchanges, wallet providers, brokers operating in the EU. For individual proof-of-funds, MiCA itself is not the requirement; AMLD 5 / AMLD 6 are. However, MiCA harmonises what CASPs report and how, which downstream improves the quality of documentation banks and notaries receive when crypto is converted to EUR through a regulated CASP.
What about national variations — DE vs FR vs ES vs IT?
AMLD 5 and AMLD 6 are EU directives that each member state transposes into national law. The result: similar shape, local detail. German BaFin guidance emphasises pre-conversion documentation; Spanish AEAT focuses on tax-reporting trails; French AMF and Italian Banca d’Italia each have their own emphasis. A single structured wallet statement satisfies the on-chain leg regardless of which national authority is checking — counterparties layer their local rules on top.
I’m a non-EU resident buying property in the EU — does this work?
Yes. Non-resident buyers actually face heavier enhanced-due-diligence under AMLD 5 / AMLD 6. The wallet statement is jurisdiction-neutral — your residency does not change what the statement documents. Property notaries and the buyer’s EU bank handling the AML file will appreciate having structured crypto documentation rather than ad-hoc screenshots.
Should I generate one statement or multiple?
One per wallet address. If you hold crypto across a hardware wallet, MetaMask hot wallet, and an exchange, generate one statement per self-custody address — the exchange records separately. Notaries and lawyers prefer a clean address-per-statement file rather than a combined document.
Which networks and wallets are supported?
Ethereum mainnet (ETH, USDT, USDC, and ERC-20 tokens) and Bitcoin (all address types). Hardware wallets (Ledger, Trezor, BitBox) and software wallets (MetaMask, Trust Wallet, Rabby, Sparrow, Electrum) work — just paste the public receiving address.
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