How do I verify my source of funds (SoF)? | Help Center | Ramp | Customer Support and Partner Help Center

In certain instances, we’re required by regulations to ask you for documents that prove the source of the funds you’re using for a transaction.

This is crucial to make sure all funds handled by Ramp come from a legitimate source.

Providing us with information on the source of your funds allows us to ensure your transaction can be processed and that we can continue to offer you our services.

Bear in mind that we must manually review your documents, and this process can take up to three business days.

When do I need to verify my source of funds?

You might be asked about the source of your funds whenever your transaction (or cumulative transaction volume) reaches a certain limit.

You might also be asked about the source of your funds at any other time and for any other reasons we may deem necessary according to our compliance standards.

How do I verify my source of funds?

If we require you to send documents that prove your source of funds, you’ll be asked to share them via email with our support team.

Please make sure that any communication is sent via the same email address that you use for your Ramp account, and that you only share documents with the provided email address.

Your ID and address must have been verified before you can verify your source of funds.

What sources of funds are accepted?

We accept many different sources of funds, with the main requirement being that you own the funds, and that they come from legitimate and legal activities. Here are some examples:

Savings
Employment
Self-employment
Pension
Property sale / rental income
Investments
Other (alimony, welfare payments)

Each source of funds will require different types of evidence, and you will be asked about them during the process.

What qualifies as evidence for source of funds?

We accept several types of documents as evidence of the source of your funds. In order to be accepted as evidence, any documents you provide MUST:

Be sent from the same email you use on Ramp;
Show your full name, the issuer’s name, and the date of issuance;
Be written in either the Latin or Cyrillic alphabet;
Be clearly readable and shown in full (no parts of the document should be covered or folded);
Be shared in PDF or high-quality image (e.g., JPG or PNG) format;
NOT be a screenshot (screenshots are NOT accepted).

Evidence	Requirements/Supporting docs
Bank statements	Covering the three (3) most recent months
Payslips	Three (3) most recent payslips
Tax returns	Must correspond to the latest tax period
Digital Asset Exchange Statement	Covering the three (3) most recent months
Property sales	Property sales agreement, AND Bank statement showing the credited funds to your account.
Investment/brokerage statements	Covering the three (3) most recent months
Loan	Copy of the loan agreement, AND Bank statement showing the credited funds to your account.
Inheritance	Copy of the will, grant of probate, trust deed, or a letter from the solicitor, AND Bank statement showing the credited funds to your account.
Company ownership	Articles of Incorporation or Ownership Certificate, AND Proof of company profitability, OR Proof of income received from the company

What happens if I don’t provide evidence for the source of my funds?

If you can’t provide the required documentation showing the source of your funds, your transaction will be cancelled.