Source of funds: how to prove your income

About this article

As a regulated financial platform operating across multiple countries, ARQ is required to verify the origin of customers’ funds — this is a standard obligation for any financial service, no different from other banks and financial institutions. These checks help ensure that all activity on the platform is legitimate and consistent with each user's declared financial profile. ARQ is committed to making sure the platform is safe and reliable for everyone — and verifying the origin of funds is a key part of that.

If your account is selected for a review, you'll receive a notification in the ARQ app and an email. You will be asked to share documents showing where your money comes from — such as salary, business income, inheritance or other sources.

This article will guide you through what an acceptable document is to prove your income.

General tips

All submitted documents need to:

Contain complete information (including your full name, issuing entity, date, amounts, signatures, and other relevant details), accurately reflect your financial activity, and be consistent with your declared source of funds
Relate to you personally and mention your legal name. Documents issued in the name of a relative will only be accepted if accompanied by valid documentation in your own name, or by sufficient proof of relationship, such as a marriage or birth certificate.

Do’s:

Check that all documents are clear and fully readable — blurry or partially visible documents will not be accepted
Make sure the documents are either PDFs or in standard image formats (JPG, PNG)
Check all key details such as names, amounts, dates are fully visible and not cropped out
Attach all required documents together in one submission — this will help our team to review your submission faster

Don'ts:

Do not compress files (e.g., ZIP files) or apply password protection
Do not share balance-only screenshots or transfer receipts from other financial applications. We need documents that show income, transaction history, or another valid source of funds record
Do not share unrelated photographs, even if you think they can prove your income source
Do not share drafts or provisional documents
Do not share handwritten or self-declared documents

What documents are valid to prove my income?

Document requirements vary based on your type of income. All documents must be complete and unredacted, they must provide clear evidence of your personal income within a reasonably recent period.

The following income types and corresponding documents are recognised at ARQ. Each document type includes an accepted time window, shown below.

Employment or Professional Income	Employment income Payslips or payroll statements — no older than 12 months Employment contracts with employee and employer details, salary amount, and signatures — no older than 7 years Employment certificate, when accompanied by a bank statement showing consistent salary inflows — no older than 7 years Tax returns filed with the relevant local authority — no older than 2 years Freelance or independent income Invoices, when accompanied by a bank statement — no older than 2 years Service agreements or freelance contracts with compensation details and signatures — no older than 2 years Tax returns filed with the relevant local authority — no older than 2 years Country notes: 🇦🇷 Argentina Accepted on its own: ARCA / AFIP tax returns showing income/revenue, or CCMA with 3 consecutive recent paid periods and saldo 0 or blank Not accepted on its own: Constancia de Opción, Constancia de Inscripción, ARCA invoices, Certificación de Ingresos, F.2051, F.184/F, and Monotributo payment proof Important: Constancia de Opción must be current and valid at the time of submission. If expired, submit a new Constancia de Opción 🇲🇽 Mexico SAT Declaración Anual — accepted Constancia de Situación Fiscal — not accepted on its own as proof of income. If you are self-employed or a freelancer in Mexico, a SAT-certified CFDI invoice may be accepted together with your Constancia de Situación Fiscal, as long as both documents are consistent 🇧🇷 Brazil IRPF accepted. If your income fields appear empty or incomplete, please submit additional supporting documents 🇨🇴 Colombia DIAN tax return — accepted No DIAN return? Payslips or employment contracts work just as well 🇺🇸 United States W-2 if you are employed 1099-NEC or 1099-MISC if you are a freelancer or contractor
Business Income	Business registration documents showing you as owner, director, or shareholder — no time limit Financial statements (tax returns, balance sheets, or income statements) confirming business income — no older than 2 years Both documents must be submitted together
Pension	Pension statement with beneficiary details and payment amount — no older than 5 years Pension statement without a payment amount, when accompanied by a bank statement showing consistent pension inflows — no older than 5 years
Sale of Assets or Property	Notarized deed of sale showing your name as seller and the sale amount — no older than 5 years Brokerage or investment statements showing transaction flows — no older than 2 years Brokerage or investment statements showing balance only, when accompanied by a bank statement — no older than 2 years Sale contract, when accompanied by a bank statement — no older than 7 years
Loan	Loan agreement or promissory note, when accompanied by a bank statement — no older than 2 years
Inheritance, Probate or Donations documents	Court, notary, or official registry documentation clearly showing your name as beneficiary and the corresponding amount or asset value — no older than 5 years If no amount is shown, the document may still be accepted when accompanied by a bank statement

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