Crypto Proof of Holdings: The Document Your Bank Actually Wants
A blockchain is public. That is supposed to be the point. So it comes as a shock the first time a bank, an accountant or a tax authority asks you to evidence a crypto position and a link to a block explorer does not end the conversation. They do not want data. They want a document: what the address holds, when the assets arrived, over what period, and on what basis anyone should believe the address is yours.
OneMiners now issues that document. The Crypto Proof of Holdings Certificate is a signed, stamped, uniquely referenced verification report of a wallet’s balance, its transaction history over a chosen period, and — at the levels that matter — documented proof that you control the key. It starts at $150, tax included, and it is issued by CircleHash LLC d/b/a OneMiners in Austin, Texas, not by an offshore entity.
From $150
Tax included, final price
2–3 days
Turnaround once we have the address
6+ networks
BTC, ETH, TRON, BNB, SOL, LTC
Austin, TX
US issuer, US invoice
A public ledger is not a document
Every satoshi you own is already public, permanent and independently checkable. And that is exactly the problem. The chain answers the question “what does address bc1q… hold?” It does not answer “does this belong to the person sitting in front of me?”, and it does not answer it in a form anyone can file.
Send a compliance officer a block explorer link and you have handed them a research project. They now have to read a chain, trust an unfamiliar third-party website, interpret hexadecimal, work out which transactions are yours, and then write their own note for the file. Most will not. Some will simply decline the application. The evidence was there the whole time; nobody would put their name to it.
That is the gap this certificate fills. We examine the public blockchain record for the address you specify, document exactly what it shows, and issue it as a formal verification report with a unique reference number the recipient can check with us directly. Nothing on it is estimated, rounded or reconstructed by hand. Every hash and block number resolves on a public explorer, so the recipient never has to take our word for anything — they can check us, which is the point.
People search for this as a crypto proof of funds letter. We avoid that phrase as a product name on purpose. It carries a long association with property and escrow fraud, and a document titled that way starts at a disadvantage in front of the very person you need to convince. What you actually need is evidence of three things: holdings, holding period, and control.
Why this matters more in the 2026 tax year than it did last year
There is a timing reason this product exists now. US brokers began filing Form 1099-DA for 2025 transactions, but without cost basis. From 2026 transactions onward, brokers must report basis too — and that is where a quiet trap opens up.
Basis reporting only applies to covered assets, defined as digital assets acquired on or after 1 January 2026 and held continuously in the same broker’s account until sale. Anything you bought before that date, or anything you transferred in from your own wallet or another platform, is noncovered. For noncovered assets the broker reports what you sold it for and stays silent on everything else. The IRS sees a large number with no history attached to it, and the burden of explaining that number is entirely yours.
| What the paperwork covers | Covered asset bought on the exchange in 2026, never moved |
Noncovered asset bought earlier, or held in your own wallet |
|---|---|---|
| Gross proceeds when you sell | ✓ | ✓ |
| Cost basis reported to the IRS | ✓ | ✗ |
| Date you acquired the asset | ✓ | ✗ |
| Holding period established for you | ✓ | ✗ |
| History before it reached the broker | ✗ | ✗ |
| Assets still in your own wallet | ✗ | ✗ |
If you self-custody — which, if you have been in this long enough to have a holding period worth arguing about, you probably do — then essentially your whole position is noncovered. The record that substantiates it is the chain. Documented properly and dated, before anyone asks, it is evidence. Reconstructed under pressure two years later from a half-remembered wallet and a dead exchange, it is an argument.
What a documented holding period is actually worth
The clearest case is the US federal one. Sell an asset you have held for one year or less and the gain is taxed as ordinary income, at rates running from 10% to 37% in 2026. Hold it more than one year and the gain drops into the long-term brackets: 0%, 15% or 20%, depending on your taxable income and filing status. The line is day 365 against day 366.
Rate structure per IRS 2026 brackets. Which long-term rate applies depends on your taxable income and filing status. General information, not tax advice.
That gap is why the certificate is sold in periods — one, two, three and three-plus years — rather than as a single balance snapshot. A balance tells a reader what you have today. A period tells them when it arrived and that it has been sitting there ever since, with block numbers to back it. Most countries treat duration as material in some way; the US example is simply the one with the cleanest numbers.
To be precise about what this does and does not settle: the certificate documents when assets arrived and what happened after. It does not establish what you paid — the chain records amounts, not prices, so cost basis still has to come from your exchange records. And it does not rule on your tax position. It is the source document underneath the argument, not the argument.
Who asks for this, and why
People arrive at this from very different directions, and each one has a different answer about what the certificate can and cannot settle. Find yours.
Your bank is asking where the money came from
Mortgages, business loans, large deposits and account onboarding all trigger source-of-funds questions. If the wealth sits on a blockchain, the bank’s usual evidence — payslips, statements, a solicitor’s letter — does not exist. The certificate puts the address, the balance, the incoming transactions and the period on one page.
Will not: show where the coins came from before they reached the address, or replace the bank’s own checks.
Your accountant needs the crypto on the balance sheet
Digital assets have to be evidenced at period end like any other asset: the balance at a date, the movements during the period, and identifiers to trace them. Every hash and block number resolves on a public explorer, so nothing is taken on trust.
Will not: serve as an audit or an assurance engagement. OneMiners is not an accounting firm — this is source documentation your accountant works from.
You need to evidence how long you have held
Holding period changes the tax treatment in many countries. That is why the periods offered are one, two, three and three-plus years — the document fixes when the assets arrived, not just what is there now.
Will not: establish your entitlement to any tax treatment. General information, not advice — confirm your position with your own adviser.
An exchange is asking you to prove ownership
Compliance teams increasingly ask users to evidence the origin of deposited assets, or to show that an external wallet is under their control before releasing a withdrawal. A certificate with a proof-of-control block answers both halves of that request in one document.
Will not: verify a balance held inside the exchange itself — there the exchange holds the keys, and the address is theirs.
A court or an executor needs the numbers
Divorce settlements, probate and insolvency all require assets to be enumerated, and crypto is usually the item nobody can pin down. The certificate fixes the position at a date, with references any party can verify independently — which tends to shorten the argument.
Will not: stand in for expert-witness or forensic work. If proceedings need an expert report, ask us and we will say plainly whether we can help.
Your wealth manager is onboarding you
Private banks building a picture of your total position need crypto documented in a form that fits a client file: a dated, referenced record with a verification number they can check — rather than a screenshot of an app.
Will not: claim to be a complete statement of your holdings. It covers the addresses you give us, and nothing else.
What the document actually looks like
One page, plainly laid out, with nothing on it that cannot be checked against the public chain.
Reading down it: the certificate number, issue date and verification date. The wallet address, network and asset. The verified balance as at the verification date, reproduced from the chain rather than estimated. The transaction record for the period, each row carrying its block number and transaction hash. The proof-of-control result with the method used. Then the authorised signature, the company stamp, and a QR code the recipient can scan to confirm the document is genuine without going through you.
What we examine
Read from the public chain, for the address and period you specify.
- • Wallet address and blockchain network
- • Cryptocurrency and asset type
- • Verified balance as at the verification date
- • Incoming and outgoing transactions across the period
- • Transaction dates and blockchain timestamps
- • Block numbers and transaction hashes
- • Amounts transferred
- • Transfers between addresses you identify as yours
- • Historical acquisition transactions in the period
- • Continuity of the assets, where the chain makes it determinable
What the certificate contains
A signed, stamped PDF with a reference the recipient can check.
- • Unique certificate number
- • Issue date, verification date and time
- • Wallet address, blockchain and asset
- • Verified balance
- • Transaction detail for the requested period
- • Transaction hashes and block references
- • Proof of control result — PASSED or NOT REQUESTED
- • Technical examination result
- • Authorised signature and company stamp
- • Verification reference and QR code for the recipient to check
Proof of control: the part most services skip
This is the section worth reading twice, because it is the difference between a document that works and a document that wastes everybody’s afternoon.
A blockchain address is public. Anyone can look up a large wallet and read its balance — including a wallet that has nothing to do with them. Which means a document that merely states a balance proves precisely nothing about whose balance it is. A compliance officer who has seen a few of these knows it, and the moment they know it, the document is worthless to you.
So we close the loop two ways. Message signing is what we offer first: we give you a phrase containing your certificate number, you sign it with the key that controls the address — signmessage in Electrum, Sparrow or a hardware wallet for Bitcoin, personal_sign in a browser wallet for EVM chains — and we check the signature against the address. It is free, instant, leaves no trace on-chain, and the key never leaves your device.
Where signing is impractical, the micro-transaction route: you send an exact amount we specify, to an address we specify, inside a window we specify. The amount is unique to your verification and time-boxed, so no earlier payment can be dressed up to satisfy it. It must come from the wallet itself and not from an exchange — send it from an exchange and the sender on the chain is the exchange, and the proof fails.
Offered first
Message signing
Where signing is impractical
Micro-transaction
We never ask for a private key, a seed phrase, a recovery file or exchange credentials. Any service that does is not verifying you — it is collecting something. The result of the check is printed on the certificate as its own block, and a document reading PROOF OF CONTROL: PASSED is a materially stronger thing to put in front of a bank.
How a compliance officer reads what you hand over
Qualitative — this is our read of how these documents are treated in practice, not a measurement. Every institution sets its own evidence requirements.
Networks we examine — and the ones we cannot
If your chain is not on this list, ask before you order. We will tell you honestly whether we can examine it properly.
What we cannot examine: privacy coins such as Monero, and shielded Zcash addresses. This is not a limit of our capacity, and no vendor can honestly claim otherwise. Those chains hide balances at protocol level by design — that is the entire product — so no amount of analysis produces evidence from them. We would rather say so on this page than after you have paid.
Three levels, one document
Every level produces the same certificate. What changes is how much of it the recipient has to take on trust: the address alone, the address and your control of it, or that plus who you are.
| Level | Address Verification $150 |
Verified Holdings $299 For banks and accountants |
Verified Identity $599 |
|---|---|---|---|
| Wallet addresses on one certificate | 1 | Up to 3 | Up to 3 |
| Verification period | 1, 2, 3 or 3+ years | 1, 2, 3 or 3+ years | 1, 2, 3 or 3+ years |
| Full transaction history, hashes, block numbers | ✓ | ✓ | ✓ |
| Signed, stamped PDF with QR verification | ✓ | ✓ | ✓ |
| Proof of control recorded as PASSED | NOT REQUESTED | ✓ | ✓ |
| Identity documents examined + live video call | ✗ | ✗ | ✓ |
| Priority handling | ✗ | ✓ | ✓ |
| Free re-issue with updated balance (12 months) | ✗ | ✓ | ✓ |
The honest recommendation: if the document is leaving your desk, buy Verified Holdings. Address Verification at $150 exists for your own records, your bookkeeper or an accountant who has already settled with you whose wallet it is. The moment the reader is a bank, an exchange, a court or a tax authority, the proof-of-control block is the part doing the work, and a certificate without it invites the one question you cannot answer by email. Verified Identity at $599 is for the strongest case a document can make — identity documents examined against the originals and a live video call matching the document to the person. Scans and the recording are deleted after 30 days; only the record of the check is kept.
How it works
Five steps, and nothing is charged until we have confirmed we can examine what you need.
You tell us the network, the asset and the period. No account access, no keys, no exchange logins — and the wallet address is not needed in the first enquiry, only at the point you order. We reply within one business day. On Verified Holdings and above we send the phrase to sign or the micro-transaction parameters. Then we examine the chain — balance, transaction history, hashes, block references, and traceability to the current balance where the chain supports it — and issue the signed PDF two to three business days later.
What this certificate does not do
We would rather you knew this before you paid than after your bank asked. Any verification service that publishes only the first list and not this one should worry you.
It does not establish legal identity or beneficial ownership.
Proof of control shows that whoever completed the challenge holds the key. It does not resolve ownership disputes between parties.
It does not determine tax residency, liability or eligibility.
It is not a tax ruling and not a legal opinion. Tax content here is general information as at September 2026 — confirm your position with your own adviser.
It does not establish acquisition cost.
The chain records amounts, not the price you paid. Cost basis has to come from your exchange records.
It is not suitable on its own for mined coins.
Mining income generally arises on receipt at that day’s market value, which this does not evidence. Tell us before ordering if this applies to you.
It cannot verify assets held on an exchange.
In a custodial account the exchange holds the keys and the address is theirs. Ask the exchange for a statement instead.
It is not an audit or an assurance engagement.
OneMiners is not an accounting firm. This is a verification report and source documentation, and it is described that way throughout.
It does not guarantee acceptance.
Every institution sets its own evidence requirements. Ask yours what they need before you order.
Why OneMiners is the one issuing it
Reading a chain properly is not a side business for us. OneMiners has spent years building, hosting and running blockchain infrastructure — the machines, the facilities, the payout plumbing and the monitoring that sits on top of it. The same competence that keeps a hosting fleet honest about what it produced is what a verification report needs: read the chain exactly, reproduce it exactly, and refuse to fill gaps with guesswork.
The certificates are issued and invoiced by CircleHash LLC d/b/a OneMiners, 701 Tillery St 12, Austin, Texas 78702, United States. A US issuer, a US invoice and a named company behind the signature — which is itself part of what makes the document usable in front of an institution.
If you also need the tax work around the position rather than just the evidence underneath it, our mining tax service and the Section 179 deduction guide cover the next question along.
Questions, answered
Is this a proof of funds letter?
It covers the same need, but we do not use that name. “Proof of funds” carries a long association with property and escrow fraud, and a document titled that way starts at a disadvantage in front of a compliance officer. What an institution actually wants is evidence of holdings, holding period and control — which is what the certificate documents and what it is called.
Does the certificate prove the wallet is mine?
On Verified Holdings and above, yes, to the extent a blockchain permits. You demonstrate control of the private key by signing a phrase containing your certificate number, or by sending a unique, time-boxed micro-transaction. The result is printed on the document as its own block. On the $150 level the certificate says PROOF OF CONTROL: NOT REQUESTED — deliberately, so nobody can mistake it for something it is not.
Will my bank accept it?
No document can guarantee acceptance — every institution sets its own evidence requirements, and anyone promising otherwise is selling you something. What we can say is that a certificate showing balance, period, hashes, block references and a passed control check, issued by a named US company with a checkable reference number, answers the questions banks actually ask. Ask your institution what it needs before you order.
Do you need my private key or seed phrase?
Never. Not the key, not the seed phrase, not a recovery file, not exchange credentials. Message signing happens inside your own wallet and the key never leaves your device. Any service that asks for those things is not verifying you.
Does it prove how long I have held, for tax purposes?
It documents when the assets arrived at the address and what has happened since, with dates, block numbers and hashes. That is the factual record a holding-period argument rests on. It does not rule on your tax position or establish entitlement to any treatment — that is between you and your adviser.
Does it establish what I paid?
No. The chain records amounts, not prices. Cost basis has to come from your exchange records or your own bookkeeping. This is an important limit and we would rather state it here than after you have paid.
I mined my coins. Does this work for me?
Not on its own. Mining income generally arises on receipt at that day’s market value, which a balance-and-history certificate does not evidence. Tell us before ordering if this applies to you and we will say whether we can help.
My crypto is on Binance, Coinbase or Kraken. Can you verify it?
No. In a custodial account the exchange holds the keys and the deposit address belongs to the exchange, not to you. There is nothing on-chain we could honestly attribute to you. Ask the exchange for a statement instead.
Which blockchains do you support?
Bitcoin, Ethereum and ERC-20 tokens, TRON and TRC-20 tokens, BNB Chain, Solana, Litecoin, and other major public chains on request. We cannot examine privacy coins such as Monero, or shielded Zcash addresses — those chains hide balances at protocol level, so no amount of analysis produces evidence from them.
How long does it take?
Two to three business days from the point we have the address and, where applicable, your completed control check. We reply to the first enquiry within one business day, and we say no when the answer is no.
Can the recipient confirm the certificate is genuine?
Yes, and without going through you. Every certificate carries a unique number and a QR code. The recipient scans it or quotes the reference to confirm the document is one we issued.
What if you cannot verify what I need?
We tell you before you pay. Nothing is charged until we have confirmed we can examine what you are asking for, and if a verification cannot be completed you are refunded in full.
The verdict
If nobody has asked you to evidence your crypto yet, they will. Banks running source-of-funds checks, exchanges gating withdrawals on wallet ownership, accountants closing a period, and from the 2026 tax year a reporting regime that hands the IRS your sale proceeds while leaving the history of anything you self-custodied entirely up to you to explain.
The record that answers all of it already exists and is already permanent. What has been missing is somebody willing to read it, put their name on it and stand behind a reference number. That is the whole product. One page, every figure traceable to a public explorer, and — at Verified Holdings and above — a proof-of-control block that turns “here is a wallet with money in it” into “here is my wallet, and here is the proof.”
Blockchain verification
Get the position documented
Tell us the network, the asset and the period you need covered. If the certificate is going to a bank, an exchange or an accountant, choose Verified Holdings — the proof-of-control block is what makes the document worth presenting. Nothing is charged until we have confirmed we can do it.
Start a verificationSee full details and pricingCheck a certificateSources
- Charles Schwab — Capital Gains Tax Rates: Short-term vs. Long-term
- Bradford Tax Institute — 2026 Capital Gains Rates
- The Tax Adviser — Navigating the Form 1099-DA reporting maze (March 2026)
- Thomson Reuters Tax — Form 1099-DA debut will test broker and taxpayer readiness
- H&R Block — What is Form 1099-DA?
Certificates are issued by CircleHash LLC d/b/a OneMiners, 701 Tillery St 12, Austin, Texas 78702, United States. This is a verification report, not an audit or an assurance engagement, and OneMiners is not an accounting firm. Tax statements in this article are general information as at September 2026 and are not tax or legal advice — confirm your position with your own adviser. Product details and pricing as published on the Crypto Proof of Holdings page; see also contact if your chain or situation is not covered above.
