> ## Documentation Index
> Fetch the complete documentation index at: https://dev.enterprise.moonpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Source of Wealth

> When source of wealth (SOW) is required, accepted documents by source, and acceptance criteria.

To comply with financial regulations, MoonPay must verify an individual customer's source of wealth (SOW) in certain situations. SOW proof is required to upgrade a customer to Tier 2 and for Enhanced Due Diligence. See [Limits and minimums](/limits-and-minimum) and [Enhanced due diligence](/enhanced-due-diligence).

In the API, the customer's declared source is the `source_of_wealth` field of the KYC questionnaire, and the uploaded document goes in `source_of_funds_proof` (a legacy field name that carries the SOW document). See [KYC/KYB Sharing](/sharing) for the request shape.

## Before your customer uploads a document

To avoid rejection and speed up verification, make sure the customer's documents:

* Are clear, complete, and unaltered (no cropping or editing)
* Show all four corners and all relevant pages
* Include the customer's full name
* Display a balance or financial value when required
* Are recent (dated within the last 3 months unless otherwise specified)

## Accepted documents by source

| Funds source | Document(s) | Acceptance criteria |
| - | - | - |
| Salary | <ul><li>A payslip from the customer's employer, or</li><li>One or more bank statements demonstrating two salary payments from the customer's employer</li></ul> | <ul><li>Dated within the last 3 months</li><li>Contains a balance or financial value</li><li>Document must include the customer's name</li><li>Payslip (optional) must be issued by the customer's employer and clearly show the customer's salary and name</li></ul> |
| Savings | <ul><li>An account statement from the financial institution where the savings are held</li></ul> | <ul><li>Dated within the last 3 months</li><li>Contains a balance or financial value</li><li>Document must include the customer's name</li></ul> |
| Inheritance | <ul><li>A signed letter from a licensed solicitor, executor, or estate trustee</li></ul> | <ul><li>Contains financial value of inheritance</li><li>Document must include the customer's name</li></ul> |
| Investments | <ul><li>A statement of the customer's investment portfolio</li></ul> | <ul><li>Dated within the last 3 months</li><li>Contains a balance or financial value</li><li>Document must include the customer's name</li></ul> |
| Company Profits | <ul><li>A dividend distribution certificate</li></ul> | <ul><li>Dated within the last 1 year</li><li>Contains a balance or financial value</li><li>Document must include the customer's name</li></ul> |
| Cryptocurrency Trading | <ul><li>Screenshot of the accounts the customer used, with their balances and the customer's name and address, and</li><li>If the trading account does not have a name or address (because it's a DEX or other non-custodial platform), then also provide a bank statement demonstrating two cryptocurrency transactions with the same platform the customer provided a screenshot from</li></ul> | <ul><li>Both uploads (where required) must contain a balance or financial value</li><li>Document must include the customer's name</li><li>Bank statements must meet the same criteria as Salary above</li></ul> |
| Self-Employed | <ul><li>Invoices from the last 2 months and bank statement demonstrating two or more income payments, or</li><li>Latest tax statement/tax return</li></ul> | <ul><li>Dated within the last 3 months</li><li>Contains a balance or financial value</li><li>Document must include the customer's name</li></ul> |
| Pension | <ul><li>Pension statement dated within the last 12 months, or</li><li>Bank statement demonstrating two or more pension payments dated within the last 3 months</li></ul> | <ul><li>Contains a balance or financial value</li><li>Document must include the customer's name</li></ul> |
| Rental Income | <ul><li>A rental agreement</li></ul> | <ul><li>Valid for a minimum of 3 months from submission</li><li>Contains the rental amount</li><li>Document must include the customer's name</li></ul> |
| Sale of Property | <ul><li>A sale contract</li></ul> | <ul><li>Contains the sale amount</li><li>Document must include the customer's name</li></ul> |
| Sale of Company | <ul><li>A sale contract, and</li><li>A screenshot of the register of companies detailing the sale/change of ownership</li></ul> | <ul><li>Contains a balance or financial value</li><li>Contains the customer's name and information sufficient to confirm their identity matches the details on their MoonPay account</li></ul> |

## Why documents are rejected

Documents are often rejected because key details are missing or unclear. Common causes:

* Name not visible
* Date outside the allowed timeframe
* Missing financial values
* Blurry or cropped pages
* Pension statement issued annually but not within the past 12 months
* Incomplete bank statements showing pension deposits

If a submission is rejected, review the acceptance criteria above and have the customer resubmit clearer, complete documents.

If the customer is submitting pension-related documents, provide consecutive statements for irregular deposit periods (for example, mid-month to mid-month cycles) so all pension deposits are clearly shown.

## Additional details

All submitted documents must:

* Be unedited and unaltered
* Display clear, readable information
* Show the customer's full name and, where relevant, address and financial transactions
* Be recent and meet the date requirements listed in the table above