Malta · Financial documentation guide
Cryptocurrency Source of Funds Documentation in Malta
A source-of-funds file for a Malta review should explain how the money for the specific transaction arose. An organised sequence of original records is more useful than a balance screenshot with no acquisition history.
Create your crypto statementConnect acquisition, custody and disposal in Malta
Proof of funds addresses what is available; source of funds addresses how the funds for a transaction were obtained. Source of wealth is broader still, concerning how overall wealth accumulated. Confirm which question your Maltese bank, accountant or legal adviser is asking.
For purchased crypto, begin with the bank payment used to fund the exchange, then the purchase record, withdrawal and receiving transaction hash. If holdings moved between your own addresses, label those transfers and explain the relationship rather than presenting each receipt as fresh income.
A Malta business using crypto-related funds should keep the underlying invoices or contracts and identify the entity involved in each step. A blockchain receipt can show an address receiving assets; it cannot tell a reviewer whether that receipt was sales revenue, a shareholder contribution or another arrangement. Keep your explanation separate from the statement’s transaction records.
Before preparing documents
- Write a dated acquisition-to-use timeline with references to original records.
- Match exchange withdrawals to hashes and subsequent euro receipts where applicable.
- For business funds, include relevant contracts, invoices and entity records.
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.
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.
Common questions
Does an MFSA-authorised provider establish my source of funds?
No. Checking the provider is a separate step. You still need records linking the funds to your own acquisition or business activity. CryptoBankStatement is not MFSA-approved and does not certify the lawful origin of funds.
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.
Related documentation
Prepare the supported on-chain part of your file
Confirm scope with your reviewer, then use the existing statement generator.
Create your crypto statement