How the casino checks the source of funds

Why casinos check the source of funds

Checking Source of Funds (SoF) is part of AML/CTF and responsible play. It helps the operator:

confirm that the money was received legally;
assess the affordability of bets without harming the player;
Comply with license and bank/PSP requirements
reduce the risks of sanctions, fraud and chargeback.

💡 This is not a "distrust of the client," but a formal obligation. Without checks, the operator risks fines and license revocation.

When validation starts (triggers)

Threshold amounts: one-time deposit/payment, monthly turnover, average tick growth.

Behavioral signals: frequent deposits and quick conclusions, "splitting" of amounts, playing without correlation with income.

Profile risk factors: REP/sanctions/high-risk country, mismatch of the name of the means of payment and account.

Crypto/output: new addresses, "dirty" KYT clusters.

Payer request (bank/PSP) or regulatory campaign (affordability in individual jurisdictions).

What the SoF process looks like (in steps)

1. Identification (KYC): document, address, date of birth, settlement with payments.

2. Sanctions/REP screenings: sanctions lists, media risks (adverse media).

3. Collection of SoF confirmations: operator requests relevant documents/information.

4. Affordability assessment: whether the level of play is consistent with income and obligations.

5. Decision and log: "ok/limit/request for additional data/close."

6. Monitoring: reassessment when changing patterns or once every N months.

What is accepted as evidence of the source of funds

Salary/hire

Bank statements for 3-6 months (with salary crediting).

Payslips, contract/employer's certificate.

Tax statement (e.g. annual report).

Self-employment/business

Account/payment system statements.

Tax returns, income statement (P&L).

Company registration documents, dividends.

Savings/asset sales

Statement of savings/brokerage account.

Purchase and sale agreement (real estate/auto) + confirmation of receipt.

Gift/inheritance/loan

Gift/inheritance certificate, bank confirmation of transfer.

Loan agreement and movement of funds (not "cash").

Crypto

Wallet transaction history (explorer), exchange/exchange reports (fiat on-ramp), KYC check from the provider.

For self-custody: the origin of the crypt (mining, salary, trading) + the fiat path.

💡 Coherence is always important: document → movement to account/wallet → deposit to the platform.

What is KYT and how to check the crypt

KYT (Know Your Transaction) - risk assessment of on-chain addresses and transactions:

screening of addresses for communication with mixers, darknet markets, sanctions clusters;
analysis of the "path" of coins (source of crypto funds), prescription and volumes;
matching owner (via exchange to KYC) and I/O frequency.

If the address is "dirty" or the path is questionable, the operator will ask for a new clean address/add. confirm or refuse.

Risk Matrix and Verification Levels

Level	Examples	What they check
Low	Small deposits, stable salary, coincidence of names	KYC + basic discharge/payslips
Medium	Irregular large deposits, e-wallet/crypt	KYC + SoF package + KUT/wallets
High / EDD	PEP, high-risk country, very large turnovers	Extended package, counterparty confirmations, beneficiaries, additional interviews/sources

EDD (Enhanced Due Diligence) - in-depth verification: longer period of statements, independent certificates, strengthened limits, control of deposit frequency.

Affordability (game availability)

In a number of jurisdictions, the operator assesses whether the game creates an excessive financial burden:

income − mandatory expenses (rent/loans/alimony) ≥ "comfortable spending threshold";
in case of non-compliance - reduction of limits, request for additional data or pause.

How to prepare a package and pass SoF quickly

Make ahead:

Scan/take clear photos of documents (without cropping and retouching EXIF).
Prepare PDF statements from the bank/wallet for 3-6 months with visible name and number.
If you are using crypto, prepare Tx hashes, address screens, purchase/exchange reports.
Make sure that the name on the payment method = the name on the account.

When sending:

Select the relevant pages (credits/balance, not the entire archive).
Add an explanation: "deposits from card 1234 from salary; average income X, rent Y."
Send through the official form/office, not in the chat.

What happens if you don't provide SoF

Temporary freezing of deposits/withdrawals;

Reduction of limits, requirement to pass KYC/EDD;

Closing an account and, if necessary, a message to the regulator/financial intelligence (SAR/STR) - according to local law.

Confidentiality and data storage

Documents are kept on a minimization basis and for compliance purposes only.

Access - by role; storage N years (term varies by jurisdiction).

Transfer to third parties - only by law (auditors/regulators/PSP).

Request for deletion/access to data - according to GDPR/local law (except for mandatory retention).

Frequent "red flags" (which raises questions)

The name of the payer and the account owner do not match.

Many small deposits from different methods/wallets.

Frequent deposits and instant conclusions without playing.

Crypt from high-risk clusters/mixers.

A sharp increase in turnover without an increase in confirmed income.

Anti-patterns by the player

"Cash" without confirmations ("it was just at home").

Sending documents by e-mail/messenger to an unknown "manager."

Forgery of statements/salary certificates (always detected and leads to a ban).

Transfers from other people's cards/wallets.

Hiding the source of the crypt ("translated by a friend" without a contract/trace).

Document transmittal template

💡 Hello!
In the appendix - account statements 1234 for May-July, 3 payslip'a from the employer ACME Ltd, lease agreement.
Average income - 2 800 €/month, mandatory payments - 900 €/month. I make deposits to the platform from the 1234 card.
Please confirm SoF and return standard limits. Thanks!

Player checklist before SoF

Documents

Bank/wallet statements 3-6 months with visible details.
Payslips/tax/contracts (if relevant).
For crypto - Tx-hashes, exchange report/on-ramp.

Comparison

The name on the payment method matches the profile.
The amount and frequency of deposits are logical relative to income.
Explanation of origin of funds added (1-2 paragraphs).

Safety

I download only through my personal account/official form.
I do not send PIN/CVV/seed phrases.
Deleted excess non-verification personal data (if policy permits).

FAQ short

Why ask "too much"?

Because so require a license and banks/providers. The volume depends on the level of risk and amounts.

How long does it last?

Hours to days depending on package completeness and risk level.

Can I close my account instead of SoF?

Yes, but the operator is still required to evaluate transactions and can hold funds until the checks are completed.

Checking the source of funds is a normal part of the game for a licensed operator. Prepare a coherent package (extracts + supporting documents), explain the origin of the funds and use only your own payment methods. This will speed up the solution, keep your limits and secure both you and the platform.