What are Source of Funds (SoF) and Source of Wealth (SoW)?

Published on 13 Feb 2026Updated on 20 Apr 202615 min read3
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What are Source of Funds (SoF) and Source of Wealth (SoW)?

In crypto asset trading, proving the legitimacy of your funds is crucial — it's a key step to ensuring compliance and transparency. An individual's source of funds generally falls into two categories: "Source of Funds (SoF)" and "Source of Wealth (SoW)":

1. Source of Funds (SoF)

Source of Funds refers to where the money you use for OKX trading comes from — for example, personal salary income, proceeds from selling assets, borrowed funds, gifts from others, or funds transferred from your other exchanges or wallets. If you have multiple funding sources, select the one you most recently and primarily used to deposit funds. Please note: if you used a specific sum of money to purchase crypto assets from someone else, you should provide proof of the source of that money — not the other party's asset information or your account deposit records.Examples:

  • If the funds you transferred to the platform came from your personal salary, you can select Employment Income and submit supporting documents such as a formal employment contract or payslip.

  • If the funds came from the sale of a property, you can select Non-Crypto Asset Sale and submit the property sale agreement or tax documents for verification.

  • If you purchased 100 USDT through OKX P2P trading using your salary, you only need to select Employment Income as your source of funds.

2. Source of Wealth (SoW)

Source of Wealth refers to how you accumulated your primary personal wealth and net assets — or the origin of your overall personal assets. This is typically built up through employment, business ownership, investment, or inheritance. Examples:

  • If you have multiple income streams but salary makes up the largest portion of your personal wealth, you only need to select Employment Income as your source of wealth.

Why do I need to provide proof of Source of Funds and Source of Wealth?

OKX is committed to creating a healthy and secure trading environment for all users. Ensuring the legitimacy of funds in your account is essential. As part of our account security measures, we may ask you to provide, update, or supplement your account information. If you receive a prompt from the platform, simply follow the instructions to complete the process.Please also note that this verification is not a review of any specific deposit or transaction — its primary purpose is to complete your account profile.

How do I access this questionnaire?

App:

  • On the App homepage, tap Please complete your information to go to the verification page.

  • Go to App Homepage > Profile icon (top left) > Profile picture > Personal Info > Identity Verification > Verify Now.

Web: On the web platform, click Profile picture in the top-right corner > Identity Verification.

Note: if you don't complete the required verification before the deadline, your account functions will be automatically restricted.

How do I provide proof of Source of Funds and Source of Wealth?

To complete verification successfully, make sure your documents meet the following requirements:

  • Use the latest version of the App: Ensure your app is updated to the latest version for the best document upload experience.

  • Legible and clear: Documents must be clear, complete, and fully readable. All content must be fully visible with no parts cropped, obscured, or blurred.

  • Accurate and up-to-date: The information provided must be truthful, accurate, and current, reflecting your actual situation.

  • Complete documents: All contracts and agreements must be signed and dated, and must include the issuing organization's stamp, letterhead, and other basic information.

  • Clearly visible amounts: The amounts and relevant details shown in the documents must be clearly visible.

What documents are accepted?

Please note: in most cases, one document is sufficient for verification. Make sure the document you prepare includes the required key information.

Also, document formats may vary by region and individual circumstances. We recommend preparing documents based on your personal situation.

The table above is a general guide only. If you have other documents that meet the requirements but are not listed, we'll review them based on your actual situation. If you have any questions, feel free to contact Customer Support for assistance.

Source of Funds / Source of Wealth Document Type Description Required Elements
Employment Income — Personal employment income, including bonuses, node commissions, referral commissions, and other benefits. Payslip 1. Your full legal name
2. Company name
3. Company stamp
4. Salary amount
5. Issued within the last 3 months
Bank Statement Personal bank transaction history / Personal bank statement 1. Your full legal name
2. Company name
3. Company stamp
4. Salary amount
5. Shows "Salary", "Salary Credit", or "SAL"
6. Issued within the last 3 months
Tax Document Personal income tax records 1. Your full legal name
2. Name of tax authority
3. Salary amount
4. Issued within the last 3 months
Employment Letter Employment/labor contract / Part-time contract / Appointment letter / On-the-job certificate 1. Your full legal name and ID number
2. Company name
3. Company stamp
4. Salary amount
5. Job title
6. Issued within the last 3 months
OKX Node Certificate Node identity badge
OKX Maker Certificate Maker identity badge
Employer Income Certificate 1. Your full legal name
2. Salary amount
Housing Provident Fund Certificate Housing provident fund contribution certificate 1. Your full legal name
2. Contribution details
3. Official stamp
Employee Social Security Social security contribution certificate (employer) / Flexible employment social security payment records 1. Your full legal name
2. Contribution details
3. Official stamp
Others Attendance records / Company equity incentive/dividend documents / Employee ID card / Other employment proof 1. Employment proof including salary or compensation details
2. Issued within the last 3 months
Business Ownership — Income from your business, freelance work, or consulting projects (e.g., revenue, dividends, or self-employed salary) Bank Statement Business bank transaction history 1. Your full legal name
2. Bank name
3. Amount
Tax Document Personal income tax records / Corporate income tax records / Corporate VAT records / Flexible employment social security records 1. Your full legal name
2. Company name
3. Name of tax authority
4. Amount
Accountant's Letter Equity certificate / Business P&L statement 1. Your full legal name
2. Company name
3. Accountant's name
Distribution Records Shareholder equity change statement / Shareholder dividend certificate 1. Company name
2. Shows recent earnings, withdrawals, or dividend distributions
Others Service/product sales receipts/invoices / Service agreements / Customer payment proof or other income documents 1. Proof of compensation or business ownership
2. Issued within the last
3 months
Inheritance, Gifts, and Donations — Funds or assets received as gifts, grants, or inheritance without the need for repayment Will Notarized will document 1. Your full legal name
2. Testator's name
3. Asset details
4. Endorsed by a registered lawyer
Probate Document Executor's affidavit / Estate distribution execution document 1. Your full legal name
2. Testator's name
3. Asset details
4. Endorsed by a registered lawyer
Distribution Details Asset distribution list document 1. Your full legal name
2. Property name
3. Asset details
4. Endorsed by a registered lawyer
Tax Document 1. Your full legal name
2. Name of tax authority
3. Amount
Bank Statement 1. Your full legal name
2. Bank name
3. Amount
Gift Letter 1. Your full legal name
2. Donor's name
3. Asset details
4. Endorsed by a registered lawyer
Transfer Records 1. Your full legal name
2. Donor's name
3. Asset details
4. Endorsed by a registered lawyer
Others Asset ownership transfer records (as part of inheritance or gift)
Non-Crypto Asset Sale — Funds from selling property, vehicles, or other high-value tangible assets Brokerage Account Statement 1. Your full legal name
2. Bank or securities firm name
3. Portfolio amount, or P&L from transaction history
Sales Records Equity transfer sale agreement / delivery certificate / Various asset sale agreements 1. Your full legal name
2. Asset sale details
3. Endorsed by a registered lawyer or accountant
Legal Professional's Letter Asset sale notarial document / Property ownership transfer document 1. Your full legal name
2. Asset sale details
3. Endorsed by a registered lawyer
Bank Statement 1. Your full legal name
2. Bank name
3. P&L from transaction history
Tax Document Tax payment certificate for asset sale proceeds 1. Your full legal name
2. Name of tax authority
3. Amount
Others Equity transfer sale agreement / Equity delivery certificate 1. Your full legal name
2. Sale amount
3. Sale date
Financial Investment — Returns or profits from stocks, bonds, mutual funds, dividends, or other financial investments Investment Account Statement Stock account transaction history / Stock account return certificate 1. Your full legal name
2. Bank or securities firm name
3. Portfolio amount, or P&L from transaction history
Retirement Account Statement Retirement account statement / Pension payment certificate 1. Your full legal name
2. Social security institution name
3. Portfolio amount
Brokerage Account Statement Agency/brokerage account statement / Stock brokerage power of attorney 1. Your full legal name
2. Bank or securities firm name
3. Portfolio amount, or P&L from transaction history
Bank Statement 1. Your full legal name
2. Bank or securities firm name
3. Portfolio amount, or P&L from transaction history
Tax Document Tax payment certificate for investment income 1. Your full legal name
2. Name of tax authority
3. Amount
Others 1. Proof of fund transfer
2. Issued within the last 3 months
Crypto Mining — Income earned from crypto mining activities Mining Earnings Statement 1. Your full legal name
2. Mining platform name
3. Mining rewards
Mining Monitoring Screenshot 1. Your full legal name
2. Mining platform name
3. Mining rewards
Tax Document 1. Your full legal name
2. Name of tax authority
3. Amount
Crypto Staking / Rewards Transaction details from Blockchain Explorer (may include airdrops)

 Shows sender and recipient addresses, transaction hash or ID, amount, and date 1. Your full legal name
2. Crypto exchange name
3. Amount
Exchange Statement
 Shows your full name, amount, transaction date, and the name of a centralized crypto exchange (e.g., Binance or Coinbase) 1. Your full legal name
2. Crypto exchange name
3. Amount
Staking Rewards Statement Shows your full name or wallet address, rewards amount, and rewards date 1. Your full legal name
2. Crypto exchange name
3. Amount
Loan or Credit — Funds borrowed from legitimate lending institutions such as banks, which must be repaid Loan / Credit Agreement Loan proof / Loan agreement / Online lending contract / Property mortgage loan agreement 1. Your full legal name
2. Lender's name
3. Amount
Loan / Credit Account Statement Loan account statement / closing statement 1. Your full legal name
2. Bank name
3. Loan or credit balance
Crypto Transaction Records Exchange account statement 1. Your full legal name
2. Crypto exchange name
3. Amount
Government Benefits — Funds from government programs such as pensions, disability benefits, or unemployment benefits Benefits Proof Document Pension payment certificate / Pension receipt certificate / Retirement payment certificate / Other benefits payment certificate 1. Your full legal name
2. Government agency name
3. Payment amount
Service Provider's Letter 1. Your full legal name
2. Payment amount
Bank Statement 1. Your full legal name
2. Bank name
3. Amount
Legal Settlement — Funds received from legal cases, settlements, or insurance claims Settlement Document
 Various settlement agreements / Legal judgment documents / Various compensation agreements / Divorce agreement 1. Your full legal name
2. Amount
3. Endorsed by a registered lawyer
Insurance Claim Document Insurance claim application / Insurance claim agreement 1. Your full legal name
2. Amount
3. Insurance company name

Document Reference Examples

1. Personal Employment Income

Salary is a common source of funds and source of wealth. To help you complete salary verification smoothly, we’ve put together a guide on common document types. You can refer to the Source of Funds and Source of Wealth – Salary Types Guide.

Personal employment income includes but is not limited to salary, bonuses, and benefits — whether from formal employment, part-time, or temporary work. Common documents that can prove salary include your most recent payslip, bank statement (showing salary records), and employment letter. Other supporting documents include social security contribution records or an on-the-job certificate.Note: Documents must clearly show basic personal employment information and amounts.

2. Personal Business Income

2-1. Income from a Sole Proprietorship / Individual Business

If your funds come from personal business income (sole proprietorship / individual business), you can select [Business Ownership] and submit your business license and business bank account statement (showing transaction details from the past 3 months). If you don’t have these two documents, you can refer to the suggested documents in the table, or try submitting any of the following:

  • Personal income tax records

  • Contracts, receipts, or invoices for services/product sales

  • Owner’s payslip

  • Financial statements

2-2. Income from an Online Store Platform

If your funds come from personal online store income — such as from platforms like Taobao or Xianyu — you can select [Business Ownership] and submit the following documents for verification:

  1. Bank statement: Showing online store income records from the past 3 months, including amounts, transaction summaries, and dates — such as a bank or e-wallet account statement.

  2. Proof of online store operation: Showing your real name, store name, and other registration information — such as an online store registration certificate and business license.

  3. Online store transaction statement: Showing buy/sell records and withdrawal records from the past 3 months.

3. Proceeds from Asset Sales

Asset sales refer to funds received from selling valuable, tangible assets such as vehicles, property, or luxury watches.You can select [Asset Sale]. The following documents are generally sufficient to verify your source of funds:

  1. A formal, complete sale agreement/contract (showing full asset sale details, including both parties’ names, amount, date, and item sold)

  2. Bank statement (showing the incoming transfer from the asset sale)

4. Borrowed Funds

There are many types of borrowing arrangements. You can refer to and submit the appropriate documents based on your situation — such as a loan agreement, bank statement showing the loan deposit, loan account records, or loan repayment records.

4-1. I borrowed funds from a bank or lending company. What documents should I submit?

If your funds come from a personal loan or credit facility, you can select [Loan or Credit] and provide the following:

  1. A formal, complete loan/credit agreement

  2. Bank statement (showing the incoming loan deposit)

Note: We generally require formally issued, complete documents. Incomplete documents will not be accepted. We recommend requesting them from your loan provider.

4-2. I borrowed money privately from a friend, family member, or relative. What documents should I submit?

If your funds come from a private loan from a friend or family member that must be repaid, you can select [Loan or Credit] and submit the following to the App verification page:

  • IOU / loan note (a written agreement signed with the lender at the time of borrowing)

  • Transfer records (such as an official bank or e-wallet statement showing the incoming loan amount)

If you didn’t sign an IOU with the other party, please contact Customer Support for further assistance.

5. Funds Gifted by Others (Gifts from Friends / Family)

If the funds in your OKX account were gifted to you by a friend or family member at no cost, please contact Customer Support for further assistance.

6. Funds Transferred from Another Exchange

If your funds came from another exchange or wallet account held in your own name (for example, transferring from your own verified Binance account to OKX), select the option closest to your situation and submit the PDF named withdrawal statement from that exchange (showing the transfer record to your OKX account).Note: If you have any difficulty exporting the PDF, you can contact that exchange’s customer support for help.If you’re unable to provide an official PDF document, please try to submit as many of the following as possible:

  • Screenshot of your account profile on the source exchange (must clearly show your account email, name, or phone number)

  • Screenshot of the withdrawal history on the source exchange account (showing the transfer to your OKX account)

  • Screenshot of the transfer transaction from the source exchange to your OKX account (provide 1–3 records; amounts, transaction details, transaction address, and time must be clearly visible)

7. Funds from a Web3.0 Wallet

7-1. Funds from Another Web3.0 Wallet You Own

If your funds were transferred from a Web3.0 wallet you personally hold to your OKX account, select the option closest to your situation and provide the following screenshots from your Web3.0 wallet:

  1. Screenshot of the crypto balance for the withdrawal to your OKX account (wallet balance page showing amount, address, and balance)

  2. Screenshot of the relevant crypto deposit and withdrawal transaction history (showing the wallet withdrawal records)

  3. Screenshot of the withdrawal details for transfers to your OKX account (recent withdrawal records showing amount, transaction address, hash, and time)

Note: If you have multiple documents, we recommend compiling them into a single PDF before submitting.

7-2. Funds from Your OKX Web3.0 Wallet

If your funds were transferred from your OKX Web3.0 Wallet to your OKX account, please also confirm how you funded your OKX Web3.0 Wallet, and select the corresponding source of funds for verification.For example, if you used your personal salary to purchase crypto assets and fund your OKX Web3.0 Wallet before transferring to your OKX account, you can still select [Employment Income] and submit the corresponding documents for verification.For specific verification items, please refer to [What documents are accepted?], and choose the source of funds type that matches your actual situation to complete verification.