Expert articles on proof of funds, wallet verification, and secure crypto practices.
As crypto wealth becomes easier to evidence, lenders are asking whether on-chain behaviour can support underwriting. The interesting question is not whether a wallet can become a credit score, but which signals are actually decision-useful and which would simply recreate surveillance in a new form.
JPMorgan is allowing institutional clients to use Bitcoin and Ethereum as collateral. Here's why it matters - and what it signals for self-custody verification.
Traditional source-of-wealth letters struggle to explain self-custodied crypto cleanly. Verification-based workflows create a clearer record without forcing users into broad disclosure.
The Financial Action Task Force's Travel Rule reshapes how regulated crypto intermediaries handle transfers. For self-custody users, the issue is less a ban on private wallets than a rising expectation that ownership and source-of-funds claims be verifiable.
The real problem with screenshots is not just that they can be faked. It is that they are a weak operating standard for reviews that now need timing, ownership, and auditability.
Institutions increasingly need to review crypto-linked wealth, but few want the operational and regulatory burden of custody. An API-first model matters because it turns crypto verification from an ad hoc document chase into a repeatable control layer.
Explore how lenders are beginning to accept Bitcoin, Ethereum, and stablecoins as collateral - and how proof-of-funds tools like Accredifi make this possible without transferring custody.
Crypto holders increasingly participate in angel groups and private investor circles, but the review standard for proving investable wealth is still immature. Here is what a cleaner process should look like.
The practical problem with proposed stablecoin caps is not only whether they are wise policy. It is whether they can be enforced cleanly in a self-custody world without creating a messy two-tier system.