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. Generate from any country.
✔ EUR equivalents · ✔ Member-state agnostic · ✔ Independently verifiable
Create Your Crypto Statement£1 one-time · No subscription · No account required
Statement is denominated in EUR; you pay in your home currency.
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 and required evidence vary by member state, institution and transaction. A structured wallet statement can make the on-chain history easier to review, but it does not replace bank, exchange, identity, tax or source-of-wealth records. Confirm requirements with the relevant notary, bank or adviser.
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?
EU anti-money-laundering rules are implemented through EU and national measures, so evidence requests differ. A wallet statement documents supported on-chain activity in one consistent format; each counterparty decides what additional evidence is needed.
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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