How to Prove Crypto
Income for a Mortgage
Applying for a mortgage with crypto? Generate a bank-style statement your lender can actually review — in under 60 seconds.
✔ No private keys · ✔ BTC & ETH supported · ✔ Fiat equivalents included
Generate Your Mortgage-Ready Statement£1 one-time · No subscription · Instant download
Why Crypto Gets Rejected
Most UK lenders do not accept wallet screenshots or raw exchange exports. Even if you have sufficient funds in crypto, you may be rejected — not because of lack of funds, but because of lack of documentation.
Screenshots are not accepted
A screenshot of your wallet or exchange balance can be edited. Lenders and solicitors treat them as inadmissible.
Crypto is volatile
Without a dated, timestamped statement, lenders cannot assess whether your funds were available at the time of application.
No fiat equivalent
Lenders need to know the GBP value of your holdings — not just the BTC or ETH amount.
No transaction history
Proof of funds requires showing where the money came from. Blockchain data contains this — but not in a usable format.
What Lenders Expect
To accept crypto as proof of funds, most UK mortgage lenders and conveyancers require a formal document that mirrors a bank statement.
Transaction history
A complete, dated record of deposits, withdrawals, and fees — covering the relevant period.
Clear GBP balances
Opening and closing balances in both crypto and sterling, so the lender can assess asset value.
Formal documentation
A structured PDF — not a screenshot — that can be submitted to a solicitor or broker.
Two Things Your Solicitor Must Verify
Under the Money Laundering Regulations 2017, UK solicitors and conveyancers are legally obligated to carry out two separate checks — and a screenshot satisfies neither.
Proof of Funds
Confirms you have enough money to complete the purchase on a specific date. For crypto, this means showing your wallet balance — with a GBP equivalent — at or before exchange of contracts.
What it answers: "Do you have the money?"
Source of Funds
Explains where that money came from — the harder requirement. For crypto, this means showing the transaction history that led to your current balance. Solicitors are legally required to satisfy themselves on this point to prevent money laundering.
What it answers: "How did you get the money?"
CryptoBankStatement addresses both. Your statement includes a dated balance snapshot (Proof of Funds) and a complete chronological transaction history showing how your crypto was acquired (Source of Funds) — in a single PDF your solicitor can file.
What CryptoBankStatement Creates
Professional PDF statement
Formatted like a traditional bank statement — opening balance, transactions, closing balance, all in one document.
GBP fiat equivalents
Every transaction and balance shown in sterling using historical market prices at the date of each transaction.
Blockchain verification links
Each transaction includes a link to its on-chain record so any solicitor can independently verify it.
Clear deposit & withdrawal records
Distinct records for incoming funds, outgoing transfers, and network fees — clearly labelled.
Instead of This… Use This
📸
❌ Wallet Screenshot
Rejected. Can be edited. No transaction history. No fiat value.
📋
✅ Structured Crypto Statement
Verifiable. Dated. Formatted. Includes GBP values and transaction history.
Generate in 3 Steps
Enter your Bitcoin or Ethereum address
No login, no private keys — just your public wallet address. Works with hardware wallets (Ledger, Trezor) and software wallets (MetaMask, Trust Wallet).
Set the date range your solicitor needs
Most UK solicitors and conveyancers request 3 months of statements for AML checks, though 6 months may be requested. Select any period from 1 month to several years.
Download and send to your broker or solicitor
Your mortgage-ready PDF is available instantly. It includes GBP equivalents, a full transaction history, and links to each on-chain record for independent verification.
Common Questions
Will UK mortgage lenders accept a crypto statement?
Acceptance varies by lender. Most high-street UK banks still require funds to be held in regulated accounts. However, some specialist lenders and brokers now consider crypto assets as part of deposit planning — particularly when presented as a structured, dated, verifiable document with GBP equivalents. Always confirm with your mortgage broker before submission.
What is the difference between Proof of Funds and Source of Funds?
Proof of Funds confirms you have enough money to complete the purchase. Source of Funds explains where that money came from — which is the higher bar. Under the Money Laundering Regulations 2017 (MLR17), your solicitor and lender are legally required to verify both. A blockchain statement satisfies Source of Funds requirements by showing the full transaction history leading to your current balance — something a screenshot cannot provide.
Do I need to show 3 months of crypto history?
Most UK lenders and conveyancers request 3 months of statements as a standard AML check, though some ask for 6 months. Simply select your date range when generating — you can cover any period from 1 month to several years.
Does converting crypto to GBP affect my mortgage?
It can. If you convert crypto to GBP before your mortgage application, the proceeds may be subject to Capital Gains Tax. Your solicitor or lender may also require you to demonstrate that the sale was declared to HMRC. Generating a crypto statement before conversion gives you an auditable record of your holdings at the time of disposal — which is useful for both tax reporting and evidence of funds.
How long does it take to generate?
Usually under 60 seconds for Ethereum wallets, and 1–2 minutes for Bitcoin, depending on your date range and transaction volume.
Generate Your Mortgage-Ready Statement
Takes less than 60 seconds. No signup required.
Create Statement — £1