SOF & SOW

SOF (Source of Funds) and SOW (Source of Wealth) are enhanced due-diligence requirements triggered by the Stables risk engine during high-risk or high-value activity.

In some cases customer verifications or transactions may be blocked until either SOW or SOF documents are provided.

Source of WealthCopy Anchor Link

Source of Wealth (SOW) is an enhanced due-diligence (EDD) requirement that verifies how a user accumulated their overall wealth and therefore is applicable at the customer profile level.

RequirementsCopy Anchor Link

Source of wealth documents can be submitted in order to enable higher-transaction limits for a customer as part of the enhanced verification flow. However in some cases they may also be required for example:

• Customer is from a high-risk regional area
• Business has a complicated corporate structure
• Customer has surpassed monthly, weekly or yearly limits

DocumentsCopy Anchor Link

Documents must demonstrate origin of total wealth, evidence of long-term accumulation all of which is consistent with the customers transaction activity. Examples of SOW documents:

• Tax returns
• Business ownership documentation
• Financial statements
• Property ownership deeds
• Investment portfolio statements
• Inheritance documentation
• Long-term savings statements

Submitting source of wealthCopy Anchor Link

Source of wealth is the source_of_wealth capability. When Stables needs it, it appears as a step-up requirement, usually on an RFI. Submit it in either of these ways:

• Send source_of_wealth_documents on Update Customer (PDF, JPEG, PNG or HEIC, up to 5MB each).
• Create a verification link with verification_type: source_of_wealth and send it to the customer.

PATCH /api/v1/customer/{customerId}

{
  "source_of_wealth_documents": [
    {
      "front_image_data": "data:application/pdf;base64,JVBERi0xLjQK...",
      "country": "SG"
    }
  ]
}

Stables compliance reviews the documents, and the requirement is satisfied once the customer holds the capability.

Source of FundsCopy Anchor Link

Source of Funds (SOF) is an enhanced due-diligence requirement that verifies the origin of funds used in a specific transaction

RequirementsCopy Anchor Link

Source of Funds documentation may be required by the Stables risk engine or requested manually by the Stables Operations team.

When requested, the relevant transaction will be held until the required documentation is submitted and approved. For transfers, this is the compliance_hold status, and the transfer's compliance_hold object lists the rfi_id and the outstanding requirements.

SOF may be triggered, for example, when:

• A transaction exceeds defined value thresholds
• There is unusual transaction velocity or volume
• Large cross-border or stablecoin transfers are initiated
• Activity is inconsistent with the customer’s profile
• Regulatory thresholds are met

DocumentsCopy Anchor Link

Documents must demonstrate the origin of the specific transaction funds and show clear traceability to the customer.

Examples of SOF documents:

• Recent bank statements (1–3 months)
• Payslips or salary slips
• Invoice and proof of payment
• Sale contract (property, vehicle, assets)
• Crypto exchange withdrawal receipt
• Dividend statement
• Proof of remittance inflows
• Tax return extracts

Documentation must show:

• Full legal name
• Account ownership
• Amount consistency with the transaction
• Clear linkage to the customer

Submitting source of fundsCopy Anchor Link

Source of funds is requested per payment. The payment is held by a transaction RFI, and the RFI has an evidence requirement with required_evidence: source_of_funds.

1. Fetch the form from the requirement's action.form with Get Evidence Form.
2. Send the answers and documents to action.submit with Submit Evidence.

Evidence applies to one payment only. What you sent for an earlier payment does not answer a new request. The payment is released once Stables approves the evidence and the RFI is satisfied.