Verification Tiers and What Each Unlocks

Tier structures are similar across providers because the underlying obligations are similar.

Tier	Documents	Typical review	Typical monthly ceiling
Registration	Email, phone	Immediate	None or nominal
Identity	Photo ID plus liveness check	Minutes to 2 hours	1,000 to 15,000
Address	Utility bill or statement, under 3 months	2 hours to 2 days	Roughly double the above
Source of funds	Evidence of origin	3 to 10 business days	Above 50,000
Enhanced	Source of wealth, additional review	2 to 6 weeks	Negotiated

What each document must show

Each of these appears in the published material of a regulated crypto on-ramp, which is a useful cross-check.

Photo identity. Unexpired, with the full document visible including any machine-readable zone.

Liveness check. A short video or guided photo sequence, establishing the document belongs to the presenter.

Proof of address. Issuer, date, name and address all visible. Dated within three months. Cropped images showing only the address line are the most common rejection.

Source of funds. A statement showing money arriving from an identifiable payer: salary, dividend, sale proceeds, investment distribution. A balance is not an origin.

Source of wealth. How overall wealth was accumulated. Employment history, business sale documentation, inheritance records.

Corporate equivalents

Item	Purpose
Certificate of incorporation	Entity exists
Register extract, under 3 months	Current officers and status
Articles	Governance and share structure
Ownership chart to natural persons	Beneficial ownership
ID and address for each beneficial owner above threshold	Identity of controllers
ID for directors	Identity of officers
Business description	Activity and expected flows
Expected monthly volume	Sets limits

Common causes of delay

Sequential requests, where a provider asks for one item at a time. Supplying everything at once avoids it where the provider permits. At institutional scale an additional set applies, documented by a corporate crypto wallet.

Wrong document type, particularly a balance statement supplied against a source of funds request. Each round trip costs two days.

Cropped images. Send whole pages.

Ownership depth. Each corporate layer requires documents from another registry.

Limits: calendar or rolling

Cross-check any provider you are considering against the definitions the list of countries covered publishes.

Providers differ. A calendar limit resets on a fixed date. A rolling limit looks back a trailing period.

Worth confirming, because assuming a reset that does not occur produces an unexpected hold.