What CashoutReady is, and when you need it
CashoutReady turns a crypto history spread across exchanges, wallets and DeFi into one Source-of-Wealth claim a bank compliance team can actually review.
Your bank has seen a large transfer arrive, or is about to. The money is yours, you earned it legitimately, and you could explain where it came from in a five-minute conversation. The difficulty is that a compliance team cannot act on a conversation. It has to file evidence that another person - an auditor, a regulator, a colleague reviewing the case in two years - can follow without you in the room. Crypto wealth almost never arrives in a shape a bank can file.
CashoutReady exists to close that gap. This first post sets out what the service is, what it deliberately is not, and when it is worth buying.
The problem is translation, not suspicion
Most Source-of-Wealth friction has nothing to do with whether anyone believes you. Your bank is not accusing you of anything. It simply cannot see what you can see, and under European anti-money-laundering rules it may not release funds whose origin it cannot establish.
What usually reaches a reviewer is a folder: a CSV export running to tens of thousands of rows, a screenshot of a wallet balance with no dates on it, a list of addresses, a partial PDF from a wallet application. Every piece of it is true. None of it adds up to a figure, and nobody at the bank has the tooling or the mandate to reconcile it on your behalf. The questions continue until either the evidence resolves or the relationship does.
The gap is one of translation. You hold the history; the bank needs it in the form its own process runs on.
What you actually receive
A CashoutReady claim arrives as two instruments, and the second matters as much as the first.
The written report runs to 30+ pages and answers, in order, the questions a compliance officer is going to ask anyway. It opens with an executive summary stating how much of the balance is explained and from where. It then sets out the Source-of-Wealth breakdown line by line, a dated timeline of how the wealth accumulated, realised capital gains per venue and per asset, the counterparties behind significant inflows, the risk screening results, and a data completeness section stating plainly what the report covers and what it does not.
The interactive Source-of-Wealth map presents that same evidence as a navigable graph of accounts, counterparties and flows. It is shareable, and it lets a reviewer explore the case directly rather than take a written summary on trust. Some reviewers read; others prefer to click. The map is not an appendix to the report - it is the other half of the claim.
Both instruments read from a single reconstruction. ChainComply pulls your activity together across exchanges for fiat and crypto, self-custody wallets, DeFi positions and margin accounts, covering 100+ CEXs and 150+ blockchains. It reconciles that into one breakdown, keeps your capital gains, trading and deposits apart from third-party flows rather than merging them into a single total, and prices the whole history in your bank’s currency.
The same system banks use, pointed at your case
CashoutReady is the private-client service of ChainComply, which builds the crypto Enhanced Due Diligence platform banks, exchanges and wealth managers use to run these reviews from the institutional side. ChainComply has documented more than €1.4 billion in crypto wealth on that platform.
That vantage point is the whole product. The people writing your claim spend their working week seeing which answers survive an audit and which ones generate another round of questions. You are not receiving a consumer-grade summary of an institutional tool. You are receiving a claim produced to the standard the reviewer on the other side of the table already works to.
What CashoutReady will not do
The limits are as important as the capabilities, and a provider promising more than this is selling something a bank will not accept.
It does not decide anything. Your bank owns the decision, and every CashoutReady claim states that on its face. What changes is the quality of the evidence the decision rests on, not who makes it.
It does not hide an unhelpful finding. Screening results appear in the report whether or not they flatter the case. A medium-risk signal you disclose and explain costs you a paragraph; the same signal the bank finds afterwards costs you a great deal more.
It does not invent the parts that are missing. Where activity cannot be reconstructed or priced, the data completeness section states the gap and its size. A stated gap is something a reviewer can work with. A silent one is not.
It is not a tax filing. The report quantifies realised gains and can inform a conversation with your accountant, but it is a Source-of-Wealth claim for a bank, not a return for a tax authority.
How a case runs
You point ChainComply at the exchange accounts, wallets and DeFi activity behind your wealth. The platform reads most sources directly; where an export is needed, ChainComply tells you exactly which file to download. You are never asked to assemble a spreadsheet or write up your own history.
ChainComply then reconstructs the wealth story and an analyst reviews it. Nothing reaches you straight from automation, because automated narratives are precisely what compliance teams have learned to distrust.
You see the result before anyone else does, and you can correct or expand it wherever the data alone was ambiguous - a transfer between two of your own wallets, a loan repayment, a gift. Once you approve it, the finished claim is delivered to you, not to your bank: ChainComply does not send it anywhere, and you decide who receives it and when. Reports are produced in the language your bank works in - English, German, French, Spanish, Italian, Polish and Bulgarian.
You explain yourself once. The claim answers the follow-up questions.
Who asks for this
The trigger is rarely the size of the transfer on its own. It is the moment crypto-funded money meets a regulated institution that has to document its decision. In practice that means long-term holders realising a position, buyers funding a property deposit, founders and early employees paid in tokens, active traders with years of venue history, freelancers invoiced in crypto, and businesses converting treasury to fiat.
If your bank has already asked the question in writing, you are the audience for this. If you are planning a transfer or a mortgage application in the next few months, preparing before the question arrives is considerably easier than answering it under a deadline.
What it costs
One Source-of-Wealth package costs €980. That covers up to 300,000 transactions across every wallet, exchange and protocol, review by a ChainComply analyst, the full report, the interactive map, sanctions and high-risk screening of counterparties, and a review round on the narrative before you send it. The payment happens once, with no subscription and no renewal. Cases beyond that volume are quoted on the first call, before any work begins.
Where to start
Describe the situation in a few lines: which bank, what it has asked for, and roughly what your crypto history looks like. ChainComply will tell you whether a CashoutReady claim answers the question in front of you, and what it would need to cover. If the honest answer is that you do not need a report, you will be told that on the call rather than sold one.
The first call is free and carries no obligation. Start a case when you are ready.