Create an archive of evidence and standardize future payments/document flow — we provide checklists.
We prepare persuasive responses for banks and regulators in Ukraine and the EU
We prepare persuasive responses for banks and regulators in Ukraine and the EU: sources of funds are verified, accounts and transactions proceed without delays.
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About the service
Requests from banks and regulators regarding the source of funds (SoF/SoW) have become standard practice. The problem is that clients often have fragmented documentation: old contracts, cash transactions, dividends not linked to taxes, missing transfers, and uncertified copies. As a result — account freezes, payment rejections, failed transactions, and reputational risks. In cross-border operations, the situation is complicated by translations, apostilles, sworn translations, and differing requirements between countries.
We collect and organize your capital history so that it is clear to compliance teams.
Our team of lawyers and financial analysts reconstructs cash flows, links income to assets, prepares supporting evidence, and manages communications with the bank or regulator. This saves time and reduces the risk of rejections. What we do:
Request analysis and risk assessment.
Identify what exactly is required (contracts, tax documents, bank statements), for what period, and where the “weak spots” are in the history.
Reconstruction of fund flows.
Build a timeline of income and transactions: dividends, salaries, asset sales, loans, inheritance, gifts; align with tax declarations.
Document collection and legalization.
Contracts, acts, statements, board decisions, notarized copies, apostilles, and sworn translations.
Evidence folder for the bank.
Cross-reference tables, transaction timeline, explanatory memo in compliance language, and list of supporting documents.
Communication and support.
Assist in answering follow-up questions, coordinate format and transfer channels, and prepare templates for future requests.
Preparation of responses to regulatory authorities on the sources of funds (SoF/SoW) — an evidence-based approach with no risk of account blocks.
Why work with us:
Finance + law.
We work confidently with both accounting/tax documents and legal evidence.
Cross-border practice.
We take into account the standards of banks in Ukraine and the EU, as well as the specifics of sanctions and export control.
Speed and confidentiality.
We organize the process in a secure data room and minimize the number of iterations with the bank.
Future prevention.
We create checklists to ensure future transactions go through smoothly and without delays.
Want to understand where your business is losing money and time?
Results and benefits for you
By working with us, you will see tangible results:
Payments and transactions
are confirmed without freezes.
An archive of supporting evidence has been created for future use
(KYC/SoF/SoW)
Reduced risk
of service denial or account closure.
Ready to take the next step?
Received a request from a bank or regulator?
Send us the list of questions — we’ll prepare a plan and a package of supporting documents tailored to your case.
Questions and answers
Your question remains
unanswered?
unanswered?
Who usually requests SoF/SoW?
Banks, payment institutions, brokers, notaries, and regulators during significant transactions.
Can cash income from previous years be confirmed?
Sometimes — through indirect evidence (valuations, contracts, tax documents), but the risks are higher; this is discussed individually.
Are translations and apostilles required?
If the documents are intended for a foreign jurisdiction — often yes. We arrange sworn translation and legalization.
Do you communicate with the bank directly?
Yes, either under power of attorney or together with the client — coordinated and confidentially.
How to avoid repeated requests?
Other services
Asset structuring
We design and implement a target ownership and control model to ensure that assets are legally protected, easy to manage, and ready for transactions.
Investment portfolio structuring
We combine legal and financial expertise. We develop an investment policy, select platforms, define asset class allocation, establish instrument selection criteria, and set rebalancing rules. We integrate the portfolio into your overall asset structure and SoF/SoW requirements.
Asset tax optimization
We combine tax expertise with the legal architecture of assets. We model scenarios, choose the optimal ownership and income distribution structure, and set up the calendar and documentation.
What is source of funds confirmation (SoF/SoW)
It is proof that your money and assets were obtained legally: contracts, acts, tax declarations, bank statements, meeting resolutions, valuation reports, etc. Banks and regulators in Ukraine and the EU request SoF/SoW when opening accounts, making large payments, investments, M&A deals, or purchasing real estate.
Typical package contents
- Contract and closing documents for the transaction (sale of a business/property/shares).
- Proof of income (dividends, salary, rent) and tax payments.
- History of bank transactions linking income and asset purchase.
- Notarized copies, apostille, sworn translations — depending on jurisdiction requirements.
Popular questions
- What if there are no documents?
We reconstruct the chain of evidence: secondary documents, reports, witness confirmations, and alternative sources. - For what period is information requested?
It depends on the case: usually it covers key moments of capital formation and recent transactions. - Are tax declarations required?
Often yes — they link income with tax payments.