Exchange + OTC + bank API for Travel Rule-compliant source-of-funds compliance. Cryptographic chain-of-custody trace from IRS-verified income to the moment of transfer. $0.25-$1.95 per check.
If you're a BSA officer, AML compliance lead, KYC analyst, or VASP ops, this is the short answer for what Source-of-Funds replaces in your queue. The endpoints below are for your engineers.
Today an SoF review can take 5-10 business days because you're chasing tax returns, employment letters, brokerage statements, and a memo explaining how dollars got from W-2 income to the wallet. Source-of-Funds returns a cryptographic chain-of-custody from IRS-verified income (or other origin) through every transfer hop to the moment of the on-chain send - in seconds. Your reviewer keeps the last word; the work is staged for them, not generated by them.
Each SoF case shows up with the source classified (employment / sale of asset / inheritance / loan proceeds / business income), the institution that confirmed it, and the path to the destination wallet (each hop signed). High-risk patterns (rapid hops, shell entity in the path, sanctioned address neighbor) are pre-flagged. You spend the time on the cases that matter, not on lookups.
Travel Rule (FATF R.16) compliant out of the box - originator/beneficiary fields are part of the CREB(TM). Counterparty VASPs that integrate JIL accept the credential cryptographically; counterparty VASPs that don't accept the same standardized JSON manually. Same per-check price either way.
SoF reviews on incoming wires from VASPs are the #1 reason crypto customers get debanked. JIL's CREB(TM) gives your BSA team a verifiable, signed chain back to lawful income - no more case-by-case judgment calls.
You authorize a one-time read of your IRS transcript or your brokerage. JIL issues a CREB(TM) showing your funds came from documented, lawful sources. You give the CREB™ ID to your bank or exchange; they verify it cryptographically. No more printing out tax returns.
Not a sanctions screen by itself - JIL surfaces sanctions hits in the chain but the customer's BSA team owns the SAR/CTR decision. Not a substitute for in-house OFAC controls. Not a guarantee against money-laundering risk - it's an evidence layer that makes the BSA team's existing decision faster and more defensible.
{
"exchange_id": "vasp_abc123",
"transaction_id": "txn_2026Q3_deposit_xyz",
"user": {
"user_id": "user_xyz",
"deposit_amount_usd": 250000,
"deposit_currency": "USD"
}
}
{
"check_id": "chk_sof_xyz789",
"verdict": "TRACED",
"evidence": {
"primary_source": "irs_verified_income",
"irs_4506c_year": 2025,
"income_traced_usd": 285000,
"deposit_amount_usd": 250000,
"trace_completeness": "FULL",
"institutional_origin_pulled_at": "2026-04-26T13:42:11Z"
},
"travel_rule": {
"originator_attested": true,
"envelope_format": "IVMS101"
},
"creb": {
"id": "creb_sof_2026_xyz789",
"signature_ed25519": "...",
"signature_dilithium3": "...",
"courtchain_anchor_tx": "0x...",
"fre_902_14_admissible": true,
"valid_until": "2026-07-25T13:42:11Z"
}
}
$0.25 (200K+ checks/mo) / $0.45 (50K-200K) / $0.95 (10K-50K) / $1.95 (under 10K). Monthly true-up against actual check count.
Each CREB™ is structured as a Travel Rule originator-attestation envelope. Receiving VASPs / banks accept it without phone calls.
Annual minimum commitments unlock the lowest tier; volume-flex contracts available for seasonal exchange volume.
Coinbase, Kraken, Gemini, Binance.US embed verify endpoint at large-deposit thresholds.
OTC trade attestation as part of normal counterparty onboarding.
Wire-deposit compliance review without 5-10 day queue.
Client onboarding source-of-wealth / source-of-funds in one envelope.
Bundled into EB-5 / E-2 / O-1 / golden-visa filings.
Travel Rule-compliant originator attestation across VASP transfers.
SourceOfFunds CREBs trace funds to documented sources at the moment of issuance. JIL does not warrant lawfulness under any specific jurisdiction, that the user has paid all applicable taxes, or that the trace is admissible for any specific regulatory purpose.
Compliance officers and counterparties remain responsible for their own determinations under applicable AML, KYC, sanctions, and tax law. JIL is not a bank, money services business outside its registered jurisdictions, or law firm.
Sandbox keys issued same day. Production integration typically 1-2 weeks for direct deployments, 2-4 weeks for white-label platforms. Schedule a scoping call →
JIL Sovereign Technologies, Inc. is not a bank, money services business outside its registered jurisdictions, or law firm. SourceOfFunds provides verification services; downstream recovery, lending, settlement, or compliance determinations remain the relying counterparty's responsibility.