When a bank, notary or investor asks for an explanation of the origin of funds, a single document is rarely enough. We prepare a clear, document-backed capital narrative that aligns with your structure, tax logic and real flows.
Clients often think the bank needs a “certificate”. In practice, the reviewer reconstructs the full picture: how the capital was generated, how it connects to the business, why the flows look the way they do and whether this aligns with the tax history. Disconnected documents without a single logic create more questions than answers.
Source of funds is not a folder of documents. It is a narrative that must be consistent, verifiable and aligned with reality.
A bank or EMI requests source of funds and an explanation of the business model during onboarding.
A notary or bank requires evidence of the origin of funds for the transaction.
A transaction falls outside the usual profile and becomes subject to enhanced review.
An investor, fund or counterparty conducts due diligence on the source of capital.
Funds move between jurisdictions and require an explainable history.
The bank asks questions about the origin of funds received earlier.
We reconstruct how and from what the capital was formed — sequentially and by period.
We determine which documents support each element of the narrative and where the gaps are.
We test the narrative against the structure, tax logic and real flows so that the position does not contradict itself.
We identify the points that will raise questions from the bank or notary before the reviewer asks them.
We prepare a coherent written explanation of the origin of funds — in the language of the reviewer.
Where documents are missing, we define what to collect, in what order and how to close the gaps.
Source of funds is not a set of documents but a provable narrative. On their own, these do not close the question:
Where the matter requires local legal, tax or regulatory action in a specific jurisdiction, LEXONYX coordinates work with local counsel, tax advisers and registration agents. LEXONYX does not replace local regulated advice where it is mandatory and does not guarantee bank approval or any specific review outcome.
Source of funds almost never exists in isolation. It depends on group structure, tax residency, banking readiness and real operating flows. That is why we prepare the source-of-funds position not in isolation, but as part of the overall defensibility of the model.
Source of funds is the origin of the specific funds used in a transaction. Source of wealth is the origin of the client’s overall capital and assets. Banks and notaries often review both levels.
When a bank, notary, broker or investor requests an explanation of the origin of funds: for account opening, a property purchase, a major transfer, an investment or a transaction.
No. We prepare a clear and document-backed position, but the decision is made by the bank or regulator. LEXONYX does not guarantee any specific result.
Describe the situation: the bank, notary or investor, the transaction and the request received. We will identify what needs to be prepared.