Crypto Proof of Funds
for the US
A dated, bank-style PDF of your Bitcoin or Ethereum wallet activity with USD equivalents — built for US mortgage underwriters, real-estate closings, and AML source-of-funds checks.
✔ Self-custody wallets only · ✔ 60-day seasoning trail · ✔ USD equivalents · ✔ Independently verifiable
Create Your Crypto Statement$1 one-time · No subscription · No account required
Who Uses This in the US
If you self-custody and need to convert wallet activity into something a US lender, title company, or CPA can read like a bank statement, this is for you.
Home buyers using crypto for down payment
Lenders and conveyancing attorneys need to see funds dated and sourced. A statement covering the 60–90 days before liquidation gives the underwriter the seasoning trail Fannie Mae and Freddie Mac guidance asks for.
Crypto-mortgage applicants
Specialist lenders (NAF Cash, Milo, Figure) underwrite directly against on-chain holdings. Their analysts want a structured statement, not a Coinbase screenshot or a block-explorer URL.
Closing attorneys & title companies
Under FinCEN BSA / AML rules, closing agents must verify source-of-funds for large deposits. A blockchain-derived statement gives them the auditable history they document for the file.
Renters in crypto-friendly markets
Landlords using the 3x-rent income rule will accept consistent stablecoin (USDC, USDT) receipts when presented in a structured statement — particularly in NY, FL, and CA markets where crypto income is more common.
The US Regulatory Backdrop
Three intersecting requirements drive what US underwriters and CPAs ask for. A blockchain statement maps cleanly to all three.
Fannie Mae / Freddie Mac
Selling Guide language requires deposits to be sourced and seasoned (typically 60 days). For self-custody crypto, the on-chain history is the only place that record exists prior to liquidation.
FinCEN BSA / AML
Closing attorneys, title companies, and crypto-friendly banks must verify source-of-funds under the Bank Secrecy Act. Public blockchain data is independently verifiable and AML-friendly.
IRS digital-asset rules
IRS Notice 2014-21 plus the 2025 Form 1099-DA regime treat digital assets as property. Cost-basis and disposal records must be maintained — a structured statement is the cleanest format.
Documentation only. We don’t provide tax, legal, or mortgage advice. Confirm specific requirements with your CPA, loan officer, or attorney before submission.
Why Wallet Screenshots Don’t Work
US underwriters and closing attorneys reject screenshots for the same reasons they reject screenshots of bank balances — they aren’t structured and they can be edited.
No seasoning trail
A screenshot shows one moment. Underwriters need to see 60+ days of dated activity.
No USD equivalents
BTC and ETH amounts mean nothing to an underwriter without dollar amounts at the time of each transaction.
Not independently verifiable
Screenshots can be edited. Blockchain data linked to its transaction hash can be independently verified by anyone.
Simple, Transparent Pricing
per statement · USD pricing built-in
- ✔ One-time payment — no subscription
- ✔ Bank-style PDF + IRS-ready CSV
- ✔ 60+ day seasoning trail
- ✔ Self-custody wallets only
- ✔ Verify anytime at cryptobankstatement.com/verify
Common Questions
Do US mortgage underwriters accept crypto as proof of funds?
It varies. Conventional Fannie Mae and Freddie Mac loans generally require funds used for closing to be liquidated to USD in a regulated bank account before being treated as "sourced and seasoned" — typically 60 days. Specialist lenders (NAF Cash, Milo, Figure, certain non-QM lenders) and crypto-mortgage products will consider on-chain holdings directly. In both cases a dated wallet statement with USD equivalents is the evidence underwriters expect for the prior balance trail. Always confirm specific requirements with your loan officer.
What does "sourced and seasoned" mean for crypto deposits?
Fannie Mae Selling Guide language requires deposits used to qualify a borrower to be (a) sourced — you can show where the money came from, and (b) seasoned — the funds have been in the borrower's account for a defined period (commonly 60 days, though specifics vary by program). For self-custodied crypto liquidated before closing, your bank statement covers seasoning after deposit; a CryptoBankStatement covers the on-chain history before liquidation.
Will a CryptoBankStatement substitute for a brokerage statement?
It serves a complementary role. Brokerage statements (Coinbase, Kraken, Gemini) document custodied holdings on those platforms. A CryptoBankStatement documents self-custody activity — wallets you control directly via MetaMask, Ledger, Trezor, Trust Wallet, etc. Underwriters reviewing crypto often want both: exchange records for custodial portions and a wallet statement for self-custody portions.
How is this different from a Coinbase or Binance export?
Exchange CSV exports only cover activity within that exchange and aren't formatted as financial statements. A CryptoBankStatement is generated from the public blockchain — covering all on-chain activity for your address regardless of which exchange or wallet you used. The PDF is formatted to look like a traditional bank statement (opening balance, dated transactions, fees, ending balance, USD equivalents) — the format US lenders, attorneys, and CPAs are used to reading.
Is this proof for FinCEN / AML / source-of-funds checks at closing?
Closing attorneys and title companies are required to verify large deposits under FinCEN AML regulations. A blockchain-sourced statement gives them an auditable, independently verifiable trail of how funds were acquired — which is the same thing they would verify against a bank statement. Statements include a public verification page so the attorney can independently confirm the statement was generated from public blockchain data.
Which networks and wallets are supported?
Ethereum mainnet (ETH, USDT, USDC, and ERC-20 tokens) and Bitcoin (all address types — Legacy, SegWit, Native SegWit). Hardware wallets (Ledger, Trezor) and software wallets (MetaMask, Trust, Rabby, Rainbow) are fully supported — just use your public receiving address.
Related US Guides
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