Source of Funds: how to build a dossier compliance accepts
Most refusals happen not because of "dirty" money but because of chaotic submission. A compliance officer reads dozens of packages a week: your job is a chronological narrative with documents, not a folder of nameless screenshots. Here is the structure that works.
What compliance actually verifies
Origin of capital
Where the money came from at all: salary, business, asset sales, inheritance. Every claim = a document.
The path into crypto
How fiat became crypto: exchange, OTC, P2P — with dates, references and TxIDs.
Profile consistency
Volumes must match income. A $200,000 deposit against an undocumented-income profile is a red flag regardless of actual honesty.
The crypto trail
Address history: where tokens came from, whether counterparties are clean. An independent AML report closes this.
The dossier structure that works
- A one-page title summary in English: who you are, what happened, list of annexes.
- Capital chronology: a "date → source → amount → supporting document" table.
- Source documents: income certificates, tax returns, property sale contracts, bank statements.
- The crypto part: key TxIDs, exchange history exports, an independent AML report on your addresses.
- A 1–2 page explanatory letter: a calm, unemotional narrative tying all annexes into one story.
An open ready-to-fill template for this situation: SoF narrative template →
What NOT to do
- Do not send 40 files named IMG_2034 with no structure or explanations.
- Do not "improve" documents by editing — any falsification = a permanent refusal across all linked accounts.
- Do not change the story between replies — packages get compared.
What Onyx does in your case
- Forensic report on your addresses (Chainalysis/TRM class): what exactly triggered the flag and your real distance from the risk cluster.
- Source of Funds dossier — a chronological reconstruction of your capital with documents, in the format compliance actually reads.
- Communication with the platform's compliance or your bank — one verified position instead of ticket chaos.
Frequently asked questions
What language should documents be in?
English for global exchanges: a careful translation (unofficial is fine) alongside the original.
Does old income count?
Yes. Capital is allowed to be old: past years' declarations and statements are a normal evidentiary base if they form a continuous chronology.
Some documents are lost. Is that fatal?
No. Build the narrative on what exists and mark the gaps honestly with an explanation. An invented "gap filler" is more dangerous than an honest gap.
Other platforms
Free preliminary case assessment
Describe your situation — we will return an honest assessment: what is realistically possible, how long it takes and what it costs. No "guaranteed unlocks" — they do not exist; compliance decides.