Proof of reserves vs proof of solvency

Proof of reserves

Proof of reserves answers: does this party control the crypto assets they claim, and what balances were observed when verification ran? It is an asset-and-control question.

Proof of solvency

Proof of solvency answers a broader question: do assets cover liabilities? That requires a complete liability picture (customer deposits, loans, payables) as well as asset proofs. Exchanges publishing PoR may still need separate liability commitments to approach solvency claims.

What client verification usually needs

Most professional workflows — audit evidence, loan serviceability, family-law disclosure, wallet-control checks — start with reserves-style verification: cryptographic control of wallets, read-only exchange balances, a monitored confirmation window, and a certificate for the file. Solvency analysis, when required, is a separate engagement on top of that evidence.

Scrya focuses on non-custodial proof-of-assets so firms can replace screenshots with independent, tamper-evident records.