Jun 2, 2026
Why Blockchain Explorers Don't Prove Crypto Wallet Ownership
Blockchain explorers prove visibility, not ownership. Seeing a crypto wallet balance on-chain does not prove that the person presenting it controls the wallet.
Accredifi Team
For lending, underwriting, and compliance
Proof of funds for self-custodiedcrypto
Accredifi turns wallet ownership and balances into cryptographic proof that lenders, fintechs, and compliance teams can verify without custody.
Wallet Verification
Request ID: ACC-28491
Ownership verified
Verification flow
Wallet connected
0x71B4...9A2F
MetaMask
Signature verified
sig_8fd72e91c4
Private key never leaves wallet
Verification record created
Ownership + balance snapshot
Timestamped evidence stored
0x8fd7...91c4Signature resolved
Balance snapshot
Point-in-time
USDC
$248,420
Snapshot
BTC
$142,800
Snapshot
ETH
$86,120
Snapshot
Verification schedule
Next verification
Scheduled in 7 days
CadenceMonthly
Due window72 hours
Overdue actionWarn
The verification layer between wallets and financial systems
Accredifi verifies wallet control at signing time, captures balance snapshots as supporting evidence, and makes the result available to institutional workflows through structured records.
User
Self-custody wallet
Signs a challenge to prove control
Accredifi
Verification layer
Validates signatures, tracks state, surfaces records via API
Institution
Financial systems
Underwriting, compliance, onboarding, reporting
Verification is not a moment. It's a lifecycle.
Proof persists, balance evidence is recorded, and reverification keeps the relationship current.
What this proves
Verification evidence your financial workflow can defend.
Accredifi separates cryptographic ownership proof from supporting balance evidence, then records both in a way institutions can review, reverify, and audit.
Control at signing
A valid signature proves the user controlled the wallet at that point in time.
Balance snapshot
Balances are captured as supporting evidence alongside the ownership proof.
Tamper-evident record
Timestamps, signatures, and verification history create defensible evidence.
Scheduled reverification
Recurring signing keeps access relationships current when workflows require it.
Self-custody needs verification infrastructure.
Clients increasingly hold assets in self-custody wallets. Lenders, fintechs, and compliance teams still need evidence they can evaluate, retrieve, and recheck without taking custody. This is the gap Accredifi closes.
- Wallet control, proven at signing
- Wallet owners sign a challenge. Institutions receive timestamped proof that the wallet was controlled at that moment.
- Verification without custody
- No key transfers, asset movement, or custody exposure. Balances are captured as supporting snapshots.
- Records your systems can use
- Verification status, proof history, balance evidence, and reverification schedules are available through API.
Accredifi verification workspace
The verification lifecycle
From request to ongoing verification state
A single signing event proves wallet control. The product around it turns that event into evidence your institution can operate against.
01
Request access
Create a verification request from your workflow, by hosted link, or through the API.
02
User signs
The wallet signs a message that proves control at that point in time. No custody or key access.
03
Record issued
Accredifi stores the proof, timestamp, and balance snapshot as structured evidence.
04
State maintained
Status, history, and reverification schedules keep the record current for downstream systems.
Institutional use cases
Where wallet verification enters the workflow
Accredifi gives teams a structured way to verify self-custodied crypto before decisions, reviews, and recurring checks.
Crypto-backed lending
Verify wallet control and supporting balances before underwriting a collateral-backed loan.
Client onboarding
Replace screenshot-based proof of funds with timestamped evidence tied to the wallet owner.
Ongoing compliance
Run scheduled reverification so wallet evidence stays current after the initial review.
Mortgage deposits
Evaluate crypto proof of funds without requiring liquidation, transfers, or custody.
Legal and estate
Create timestamped wallet records for proceedings, estate planning, or regulatory review.
Investment platforms
Confirm wallet-based proof of funds for fund minimums, private deals, and platform eligibility.
One verification layer for both sides of the workflow
Users retain self-custody. Institutions receive structured evidence they can review, store, and recheck.
Self-custody stays intact
Individuals
Prove wallet control when a lender, platform, or compliance workflow needs evidence. Your keys stay with you and assets do not move.
- No custody transferSign a verification message from your own wallet.
- Clear evidenceReplace screenshots with timestamped proof.
- Balance contextSnapshots support the ownership proof.
Verification infrastructure
Institutions
Add wallet verification to lending, onboarding, and compliance flows. Create requests, retrieve records, and track verification state.
- API-firstCreate requests and consume verification records.
- Audit-readyReview signatures, timestamps, and history.
- StatefulSchedule reverification and track status over time.
FAQ
Frequently asked questions
No. Never. We never request transfers, approvals, or access to your private keys. We only request a cryptographic signature to prove ownership, and we capture balance snapshots via view-only access. Your assets stay in your wallet at all times.
Screenshots can be faked. Our cryptographic signatures prove you control the private key without revealing it. Institutions can verify the proof on-chain, making it tamper-proof and trustworthy.
Only the institutions you explicitly grant access to. You set expiry dates, and you can revoke access at any time. We don't share your data with anyone else, and you can see exactly who has access in your dashboard.
The institution immediately loses access to your wallet data. They're notified via webhook, and any cached data becomes invalid. You maintain full control over who sees what, and when.
Institutions receive a cryptographically signed snapshot that they can verify on-chain. The signature proves you control the wallet, and the snapshot shows balances at a specific point in time. It's tamper-proof and auditable.
We support Bitcoin (BTC) and Ethereum (ETH) via MetaMask, Trezor, and BitBox. More chains and wallets are coming soon.
Yes. Our REST API lets institutions create access requests, receive webhooks for approvals and revocations, and retrieve wallet data programmatically. Full documentation is available for registered institutions.
Still have questions?
Contact our teamLatest insights
Crypto verification insights
Stay ahead with the latest on self-custody verification, compliance, and the future of decentralized finance.
May 26, 2026
Proof of Wallet Control vs Proof of Ownership
Proof of wallet control is not the same as proof of legal or beneficial ownership. Institutions need to understand the distinction before relying on wallet signatures, addresses, or on-chain visibility in underwriting, compliance, audit, and counterparty review.
Accredifi Team
May 19, 2026
Crypto Wallet Verification API: What Institutions Actually Need
A crypto wallet verification API should do more than collect addresses or screenshots. Institutions need proof of wallet control, timestamped proof of funds, reusable records, reverification, and audit-ready evidence without taking custody.
Accredifi Team