Proof of Funds
Compare the proof of funds your recipient requires with a consolidated Wealth Statement. wlthy brings your recorded assets and debts into a content-hashed PDF with an online issuance lookup. It is not a bank-issued letter or independent proof of ownership or available funds.
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A bank-issued proof of funds letter and a consolidated wealth report serve different purposes. wlthy brings your recorded assets and debts across 9 asset classes and 13 currencies into one PDF. Real estate and private holdings can contribute to net worth without being available cash; the report does not replace a bank's confirmation of liquid funds.
Each statement carries a SHA-256 hash computed from its report data, plus a report ID. The hash is not a checksum of the entire PDF file. Looking it up confirms a matching issuance record; entering a copied hash alone does not validate every figure or prove a file is unchanged.
The recipient can use the statement's hash or QR link at wlthy.io/verification to look up its issuance metadata. They should compare that record with the document and request supporting evidence when needed. The lookup does not independently confirm asset ownership, balances, source of funds or acceptance by an institution.
The PDF includes an issuer header, issuance date and report reference. These help identify the report but do not make it an audited statement or a bank-issued letter. Ask the recipient which format and supporting records they require.
You can keep individual holdings off the line-item view while still counting them in the reported total. This limits what you disclose; it does not independently prove a threshold, and the recipient may still need the underlying records.
Recipients often dictate the currency: a EUR figure for a European purchase, USD for a US lender, AED for a residency programme. Re-issue the same statement in any of 13 currencies in a click. Each issuance gets its own report ID and hash.
Step by step
Three steps, start to finish. The slow part is usually gathering the underlying figures, and AI document import takes most of that off your plate.
Enter your accounts and holdings, or use AI document import: drop in a broker statement, bank export or portfolio screenshot and let wlthy parse the positions. Add real estate, crypto wallets, cash and anything else that counts toward your funds.
Choose the reading currency and date label for the statement. Holdings you hide from the itemised view still count in the reported total. Confirm the recipient's disclosure requirements first.
Generate the Wealth Statement and share it with any supporting records your recipient requests. The hash or QR link opens its issuance record at wlthy.io/verification; that lookup does not independently validate your wealth or replace the recipient's checks.
Proof of funds requirements vary by institution and by country. Some recipients ask for a specific bank reference, a notarised copy, a particular date window or an accountant's attestation. Always confirm the exact format the recipient needs before you submit. wlthy provides an online issuance lookup, not independent verification of ownership or funds. It does not replace any attestation a programme or lender specifically requires.
A proof of funds letter documents funds available for a transaction. The recipient determines the acceptable issuer and evidence. wlthy produces a consolidated Wealth Statement from your recorded assets and debts, including manually entered or imported data; it is not a bank-issued letter or independent confirmation that funds are available.
There is no universal expiry. Many institutions treat a proof of funds document as current only if it was issued within the last 30 to 90 days, because balances change. Always check the specific window the recipient requires. With wlthy you can re-issue a fresh, newly dated statement whenever you need one, each with its own report ID and content hash.
A bank letter is issued by the bank about funds held there. A wlthy Wealth Statement consolidates the assets and debts recorded in your ledger, with a content hash and issuance record. The ledger can include user-entered information. The statement does not independently verify those inputs or replace bank records, an audit or any attestation the recipient requires.
Ask the relevant authority or your adviser which documents and attestations are required. A wlthy statement can summarise your recorded wealth, but it is not a bank-issued proof of funds letter. Its issuance lookup does not guarantee acceptance, verify the source of funds or establish eligibility for a visa or residency programme.
Confirm with the seller, agent or lender before relying on it. A Wealth Statement can help explain a consolidated portfolio, but total net worth is not the same as available cash. The recipient may require bank-issued evidence, recent statements or other checks; wlthy does not guarantee acceptance.
The public verification page looks up the hash printed on the statement and displays the matching issuance metadata. The hash is derived from report data, not the final PDF bytes. A matching lookup alone does not establish that an entire PDF is unaltered or independently verify ownership, balances or source of funds. Compare the record with the document and any supporting evidence.
Bring your recorded assets and debts into one report. Check what your recipient requires, and ask us about the statement's scope before relying on it for a transaction.
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