Crypto holdings and mortgage serviceability
Brokers increasingly see crypto on borrower balance sheets. Independent verification helps lenders trust the position before serviceability decisions.
Why lenders push back on screenshots
A phone screenshot of an exchange app does not prove control of the account or wallet. Brokers who bring cryptographic ownership proofs and live balance checks reduce friction in credit assessment.
What to put in the file
Use Scrya to verify wallets and exchange accounts the borrower claims. Download the PDF certificate and note the verification timestamps and methods. Pair the evidence with your usual serviceability narrative — Scrya confirms control and observed balances; credit policy remains the lender’s.
Related solutions
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What is proof of reserves?
Proof of reserves is evidence that claimed crypto assets exist and are controlled. Scrya applies that idea at client level: prove wallet or exchange control, then issue a verification certificate.
Proof of reserves vs proof of solvency
Proof of reserves focuses on assets under control. Proof of solvency compares assets to liabilities. Professionals verifying a client’s holdings usually need ownership and balance evidence first.
How to verify crypto ownership without taking custody
You can confirm crypto ownership without taking custody: clients sign from their wallets or grant read-only exchange access, balances are checked, and results are sealed into a PDF certificate.