A source-of-funds check helps Quppy or the applicable service provider understand where the fiat money or crypto used for a particular transaction or account activity came from and whether that origin is consistent with the customer profile and lawful use of the service. The check can be requested during onboarding or later and can require an explanation supported by documents or blockchain evidence.
最近核查：2026-08-21
| Field | Visible value |
|---|---|
| What source of funds means | The origin of money or crypto used for a particular transaction or activity |
| Why it is checked | AML/CFT, sanctions, fraud prevention, provider risk management and transaction review |
| When it can be requested | Onboarding, service activation or before/after a transaction |
| Possible evidence | Statements, payslips, contracts, invoices, sale records, tax records or blockchain history |
| Does one document always suffice? | No |
| Guaranteed review time | No |
| Last reviewed | 2026-08-21 |
Source of funds describes the activity, event, business, occupation, employment or other legitimate origin that generated the specific money or crypto being used.
Examples:
It is not enough to say only that the funds came “from my bank account” or “from my wallet”. The review can ask how the funds originally entered that account or wallet.
The information can be needed to:
A request is not, by itself, an accusation of unlawful activity.
It can happen:
The review can apply to one operation or to a pattern of activity.
The relevant evidence depends on the explanation.
| Source | Examples of supporting evidence |
|---|---|
| Employment | Payslip, employment contract, tax statement, bank statement showing salary |
| Business income | Invoice, contract, company statement, tax return, payment statement |
| Sale of an asset | Sale agreement, ownership evidence, settlement statement, receipt of proceeds |
| Investment proceeds | Broker or investment-platform statement, trade confirmation, withdrawal record |
| Inheritance | Grant, probate document, executor statement, bank receipt |
| Gift | Gift agreement, donor explanation and evidence of the donor’s funds where required |
| Loan | Signed loan agreement, lender identity and transfer evidence |
| Crypto purchase | Exchange statement, order history, fiat funding record and withdrawal transaction |
| Self-hosted wallet | Transaction hashes, wallet history and evidence showing how assets were acquired |
| Mining or staking | Platform or pool statements, reward history, tax records and wallet history |
Screenshots alone can be insufficient if they do not identify the account, date, amount and source. Do not edit or crop out material information.
A useful explanation normally connects the full path:
You can be asked for:
Never disclose a private key or seed phrase. Ownership can be checked through safer evidence or a provider-approved verification method.
Source of funds concerns the origin of the assets used in a particular transaction or set of transactions.
Source of wealth concerns how a person accumulated their overall financial position over time.
Example:
A review can request one or both.
Quppy or the provider can:
The reviewer may be unable to explain every internal risk indicator or legal reporting consideration.
There is no guaranteed source-of-funds review time.
No. It can be a standard or risk-based due-diligence requirement and is not, by itself, an accusation.
Sometimes, but not always. A statement may show where funds arrived from without explaining how they were originally generated.
A screenshot can help, but a full official statement or export may be required if the screenshot does not show enough information.
No. Never share a private key or seed phrase.
Yes. The provider can request wallet, sender, beneficiary and transaction information for AML/CFT and Travel Rule purposes.
You may be asked for a gift explanation or agreement and information showing the donor and lawful origin of the funds.
The affected transaction or service may remain limited, be rejected, returned, suspended or closed under the applicable terms.
There is no single guaranteed time. It depends on the source, evidence, transaction and provider review.
This article explains the current Quppy product and compliance configuration. The applicable Quppy and service-provider terms, country eligibility rules, privacy notices and information shown in the app prevail if they differ from this article.
A source-of-wealth check helps Quppy or the applicable service provider understand how a customer accumulated their overall financial position over time. It can be required for enhanced due diligence, a high-value or complex relationship, a politically exposed person review, a Business ownership review, or activity that needs more context. The request is risk-based and does not automatically mean that the customer is suspected of wrongdoing.
A Quppy transaction can be delayed, placed under review, returned or rejected because of payment-route rules, blockchain confirmations, incorrect details, security controls, transaction limits, provider availability, sanctions or AML/CFT checks, Travel Rule information, source-of-funds questions, or a technical incident. A pending or rejected status does not identify one specific cause, and Quppy may be legally unable to disclose every internal risk indicator.
The crypto Travel Rule is a regulatory requirement for crypto-asset service providers to collect, verify where required, transmit and retain information about the originator and beneficiary of a crypto transfer. In the European Union, Regulation (EU) 2023/1113 applies to covered crypto transfers from 30 December 2024. It can require Quppy’s applicable provider to ask who is sending or receiving crypto, which provider or self-hosted address is involved, and in some cases for evidence of wallet ownership or control.
Quppy or the applicable crypto-service provider may ask for information about an external wallet to identify the sender or beneficiary, determine whether the address is self-hosted or managed by another provider, comply with the Travel Rule, assess sanctions and AML/CFT risk, and confirm that the asset and network are supported. The request can apply to deposits and withdrawals and never requires you to disclose a private key or seed phrase.
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