Source of Funds verification

Source of Funds verification — critical для high-value players и AML compliance.

Difference SoF vs SoW

Source of Funds (SoF): where came money used для specific transaction. Source of Wealth (SoW): overall financial position, whole picture. For casinos: SoF при deposits/withdrawals над thresholds. SoW для high-rollers, VIP onboarding.

When required

Regulatory thresholds: €10K–€30K по jurisdiction. Cumulative над period. High-risk customers regardless amount. Unusual patterns triggered. Regulator requests specific investigations. Best practice: proactive верификация до regulatory threshold.

Documentation

Payslips: recent 3–6 months. Bank statements. Tax returns. Business ownership documents. Investment portfolio statements. Property sale documents. Inheritance documentation. Gift letters. Combined: reasonable coverage. Impossible perfection — reasonableness standard.

Red flags

Unwillingness provide documents. Documents inconsistent. Amounts vs stated occupation implausible. Third-party payments. Cash-intensive business. Sudden unexplained wealth. Refusal explain. Any red flag — enhanced review или account closure.