Malta · Financial documentation guide

Crypto Proof of Funds Documentation in Malta

Preparing for a property transaction, account review or business funding discussion in Malta? Start by asking the reviewer whether they need evidence of assets you hold, money already converted to euros, or the history behind those funds.

Create your crypto statement

Prepare a holdings file for a Malta review

Proof of funds describes the assets available at a particular date. A wallet balance is one part of that picture: it does not establish who controls the address, whether funds are committed elsewhere, or how they were originally acquired.

For a Malta property-related review, ask the bank and your notary or legal adviser which valuation date and documents they want. A crypto balance and a euro bank deposit are different forms of evidence. If you intend to sell crypto first, keep the exchange sale confirmation and the resulting bank credit alongside the wallet history.

Create an address list with the asset, network and relevant dates. Separate personal holdings from company assets, and disclose any wallets or exchange accounts outside the report’s scope. This makes it easier for a reviewer to understand what the file covers without assuming that one address represents all your funds.

Before preparing documents

Agree the balance date and whether crypto holdings are relevant to the review.
Retain original wallet, exchange and bank records for any conversion to euros.
Explain address control and whether the assets are held personally or for a business.

Malta, MiCA and document acceptance

In Malta, the MFSA supervises entities authorised under the Markets in Crypto-Assets Act (Cap. 647), which implements MiCA locally. That framework concerns crypto-asset providers and issuers; it does not certify a personal wallet report or decide whether a bank will accept it.

MiCA sets EU rules for specified crypto-assets and services. It does not make a third-party wallet statement a compliance certificate. Confirm the recipient’s evidence requirements before paying for documentation.

MFSA crypto-assets guidance ESMA: MiCA framework and registers

How CryptoBankStatement can support preparation

The existing generator produces PDF and CSV reports for a supported public address and selected period. Reports reconstruct transaction history with opening and closing balances, historical fiat estimates where available, transaction hashes and verification records. Fiat estimates are not a guaranteed sale price; missing pricing and reported check limitations need to be considered by the reviewer.

On-Chain Statement organises public activity without a wallet signature. Where offered for an eligible wallet, Verified Statement adds wallet-control proof and identity verification through Stripe Identity. An integrity checksum checks document data; it does not establish that the funds are legally yours or that a bank will accept them.

You can prepare a file without purchasing a report: retain original records, write the timeline and use public explorer references. See the free evidence pack and methodology to decide what a statement would add.

Supported assets and evidence limits

Statements cover BTC on Bitcoin mainnet, ETH, USDC or USDT on Ethereum mainnet, or official Circle USDC on Base Mainnet. One statement is one network. Keep separate records for exchange-internal activity and other assets.

Network	Included	Not included
Bitcoin mainnet	One public BTC address per statement	XPUB aggregation and exchange-internal records
Ethereum mainnet	ETH, ERC-20 USDC, or ERC-20 USDT	Other tokens, NFTs, and private account records
Base mainnet	Official Circle USDC	Base ETH, Base USDT, bridged USDbC, and other tokens

1. Confirm scope

Ask the receiving reviewer which address, asset, date range, currency, and supporting records they require.

2. Keep original records

Retain bank and exchange exports. The wallet report documents only the supported public-chain part of the trail.

3. Explain limitations

Label transfers between your own accounts and disclose unsupported networks, missing periods, estimates, and other gaps.

Important limitations

This is a document-organisation tool, not a bank statement, regulated attestation, audit opinion, ownership certificate, source-of-wealth determination, or guarantee of acceptance. Public activity can be independently reproduced; legal identity and lawful source require separate evidence.

Download the free evidence pack Read the methodology

Common questions

Is a wallet balance enough for a Malta property review?

Ask the bank and your notary or legal adviser before preparing the file. They may need evidence of conversion to euros, identity, acquisition history or other records. A wallet report does not guarantee acceptance or completion of a purchase.

What does a blockchain statement establish for a review in Malta?

It organises supported public-address activity, opening and closing balances and transaction evidence for a selected period. Historical fiat values are estimates. Reconciliation and integrity checks have a technical scope; they do not establish legal identity, lawful origin or regulatory compliance.

What is the difference between wallet-control and identity verification?

A supported wallet signature demonstrates control of an address for the verification challenge. Verified Statement combines wallet-control proof with Stripe Identity through the existing workflow, subject to wallet eligibility. Bitcoin signing is disabled by default and restricted to supported addresses when enabled. Neither step proves the legal origin of crypto or replaces a recipient’s own checks.

Is this a MiCA, AML or KYC certificate for Malta?

No. CryptoBankStatement does not provide regulatory certification or guarantee compliance with MiCA, AML or KYC obligations. It is not a government-issued certificate or an endorsement by MFSA. Banks, lenders and other recipients decide independently whether the documents are sufficient.

Prepare the supported on-chain part of your file

Confirm scope with your reviewer, then use the existing statement generator.