Proof of Funds
Buying property, arranging a mortgage, applying for a visa or subscribing to a fund? wlthy issues a content-hashed Wealth Statement PDF that aggregates all of your assets, not just one bank balance, and that whoever you send it to can confirm online.
3-day free trial · 9 asset classes · 13 currencies · Swiss-built
A typical proof of funds letter only shows what sits in a single bank. wlthy's Wealth Statement pulls together 9 asset classes — cash, stocks and ETFs, crypto, real estate, private holdings, vehicles, precious metals and more — across 13 currencies into one signed PDF. If your money is spread across several banks and asset types, a single bank letter understates it. This shows the whole picture.
Each statement carries a SHA-256 hash derived from the PDF bytes, plus a unique report ID printed on the cover. That hash is what makes the document hard to fake: if a single character changes, the hash no longer matches what wlthy issued.
Whoever you send it to — a real-estate lawyer, a lender, an immigration office, a fund administrator — can confirm the document is genuine at wlthy.io/verification. They re-derive the hash from the file you sent and check it against wlthy's record. No phone calls, no waiting on a bank reference.
The PDF renders with a header on every page, the issuer's mark, a verified footer and the date the statement was issued. It reads like the kind of document underwriting and onboarding teams already expect, so it sits comfortably alongside bank letters and broker statements.
You can keep individual holdings off the line-item view while still counting them in the verified total. That is the common pattern when you need to prove a threshold without exposing every position or account number to a third party.
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 the recipient expects and the date label for the statement. Hide any line items you do not want itemised; they still count in the verified total.
Generate the Wealth Statement. wlthy computes the content hash, assigns a report ID and assembles the PDF. Send it to your lawyer, lender or case officer, and point them to wlthy.io/verification so they can confirm it themselves.
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 gives you a verified, online-checkable document, but it is not legal, tax or financial advice, and it does not replace any attestation a programme or lender specifically requires.
A proof of funds letter (sometimes called a proof of funds statement or verification of funds) is a document showing that you hold the money or assets needed for a transaction — buying a property, qualifying for a mortgage, applying for a visa or residency, or subscribing to a fund. It is usually requested by the party on the other side of the deal so they know you can actually complete it. wlthy issues this as a verified Wealth Statement PDF that aggregates all of your assets, not just one bank balance.
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 only confirms what is held at that one bank. If your funds are spread across several banks, brokerages, crypto wallets and real estate, a single bank letter shows a fraction of the total. wlthy's Wealth Statement aggregates every asset class into one signed PDF and lets the recipient verify it online. For people whose wealth sits in more than one place, that consolidated, checkable document is usually a better fit.
Residency and investor-visa programmes typically ask for proof that you hold funds above a qualifying threshold, and many accept a consolidated wealth or net-worth document. The Wealth Statement aggregates real estate, investments and cash into one PDF in the currency the programme uses. Requirements differ by country and programme, so confirm the exact document format and any attestation rules with the relevant authority or your immigration adviser before you apply.
Yes — proof of funds is a routine step when buying property or arranging a mortgage, where the seller, agent or lender wants to see you can cover the deposit or purchase. A Wealth Statement gives a fuller view than a single account screenshot, and the recipient can verify it online. Some parties still want a specific bank reference; check what your agent or lender requires.
Yes. Every Wealth Statement carries a SHA-256 content hash and a report ID. The recipient goes to wlthy.io/verification, re-derives the hash from the exact file you sent, and checks it against wlthy's record. If they match, the document is genuine and unaltered. This is the main reason a verified statement is harder to forge than a plain letter.
Aggregate every asset, render a content-hashed Wealth Statement, and let the recipient verify it online. Three days free, so you can issue your first statement before you commit to a plan.
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