Source of Crypto Wealth

Overview

Source of Crypto Wealth is the explanation and supporting evidence for how a customer accumulated their overall crypto-related wealth or economic position over time. It is broader than source of crypto funds, which concerns the origin of assets used in a specific transaction or relationship activity. It should be interpreted alongside Source Of Crypto Funds, which may affect the same workflow without representing the same control, event, or risk.

Unexplained wealth may reflect fraud, theft, sanctions evasion, undisclosed beneficial ownership, illicit services, tax offenses, or fabricated investment histories.

Organizations should assess occupation and business activity, investment history, mining or staking income, token sales, exchange records, wallet history, inheritance, asset sales, and consistency with the profile.

Retain the customer narrative, time period, supporting documents, addresses, major acquisition events, valuation method, inconsistencies, reviewer decision, and refresh requirements.

A production treatment of Source of Crypto Wealth should test the explanation and supporting evidence for how a customer accumulated their overall crypto-related wealth or economic position over time within the relevant asset, decision, or service state. The Source of Crypto context record for economic position over time should preserve source data, configuration or policy version, responsible actor, exception, and outcome. Review of Source of Crypto Wealth should determine whether safeguards addressing economic position over time changed exposure in practice, not merely whether a document or setting existed.

Quality review for Source of Crypto Wealth should sample real cases involving economic position over time, compare expected and actual outcomes, and track unresolved exceptions until remediation is independently verified.