Source of Wealth

When source of wealth (SOW) is required, accepted documents by source, and acceptance criteria.

To comply with financial regulations, MoonPay must verify the source of customer funds in certain situations.

Before your customer uploads a document

To avoid rejection and speed up verification, make sure the customer’s documents:

• Are clear, complete, and unaltered (no cropping or editing)
• Show all four corners and all relevant pages
• Include the customer’s full name
• Display a balance or financial value when required
• Are recent (dated within the last 3 months unless otherwise specified)

Accepted documents by source

Funds source	Document(s)	Acceptance criteria
Salary	A payslip from the customer’s employer, or One or more bank statements demonstrating two salary payments from the customer’s employer	Dated within the last 3 months Contains a balance or financial value Document must include the customer’s name Payslip (optional) must be issued by the customer’s employer and clearly show the customer’s salary and name
Savings	An account statement from the financial institution where the savings are held	Dated within the last 3 months Contains a balance or financial value Document must include the customer’s name
Inheritance	A signed letter from a licensed solicitor, executor, or estate trustee	Contains financial value of inheritance Document must include the customer’s name
Investments	A statement of the customer’s investment portfolio	Dated within the last 3 months Contains a balance or financial value Document must include the customer’s name
Company Profits	A dividend distribution certificate	Dated within the last 1 year Contains a balance or financial value Document must include the customer’s name
Cryptocurrency Trading	Screenshot of the accounts the customer used, with their balances and the customer’s name and address, and If the trading account does not have a name or address (because it’s a DEX or other non-custodial platform), then also provide a bank statement demonstrating two cryptocurrency transactions with the same platform the customer provided a screenshot from	Both uploads (where required) must contain a balance or financial value Document must include the customer’s name Bank statements must meet the same criteria as Salary above
Self-Employed	Invoices from the last 2 months and bank statement demonstrating two or more income payments, or Latest tax statement/tax return	Dated within the last 3 months Contains a balance or financial value Document must include the customer’s name
Pension	Pension statement dated within the last 12 months, or Bank statement demonstrating two or more pension payments dated within the last 3 months	Contains a balance or financial value Document must include the customer’s name
Rental Income	A rental agreement	Valid for a minimum of 3 months from submission Contains the rental amount Document must include the customer’s name
Sale of Property	A sale contract	Contains the sale amount Document must include the customer’s name
Sale of Company	A sale contract, and A screenshot of the register of companies detailing the sale/change of ownership	Contains a balance or financial value Contains the customer’s name and information sufficient to confirm their identity matches the details on their MoonPay account

Why documents may be rejected

Documents are often rejected because key details are missing or unclear. Common causes:

• Name not visible
• Date outside the allowed timeframe
• Missing financial values
• Blurry or cropped pages
• Pension statement issued annually but not within the past 12 months
• Incomplete bank statements showing pension deposits

If a submission is rejected, review the acceptance criteria above and have the customer resubmit clearer, complete documents.

If the customer is submitting pension-related documents, provide consecutive statements for irregular deposit periods (for example, mid-month to mid-month cycles) so all pension deposits are clearly shown.

Additional details

All submitted documents must:

• Be unedited and unaltered
• Display clear, readable information
• Show the customer’s full name and, where relevant, address and financial transactions
• Be recent and meet the date requirements listed in each section