Crypto wallet & proof-of-funds help
Step-by-step help for verifying a crypto wallet, sending a test transfer, and turning your crypto into a proof-of-funds letter.
Whether you’re mid-offer or just getting your funds ready, these guides cover the mechanics of buying a home with crypto: proving you control your wallet, sorting out a wallet that reads zero, sending a verification test transfer, and producing a proof-of-funds letter sellers accept. Your crypto stays in your custody until closing, where it converts to the cash that funds the purchase — so to the seller and the title company, you’re simply a cash buyer. Pick your wallet or exchange below, or search for the step you’re stuck on.
Guides
Why your wallet shows a zero balance during verification
You submitted your wallet address and it shows a balance of zero — even though you know the funds are there.
How to verify that you own a crypto wallet
Before your crypto can back a proof-of-funds letter, you have to prove the wallet is actually yours.
How long crypto transfers take to confirm
When you send a test transfer to verify a wallet — or move funds at closing — the wait before it's confirmed depends entirely on which network you're using.
Privacy when buying real estate with crypto
Buying property with crypto doesn't mean broadcasting your holdings to everyone at the closing table.
Signing a message vs. sending a test transfer: which wallet verification to use
Both methods prove you control a wallet.
Which cryptocurrencies you can use to buy real estate
Not every token is equally practical for a real estate purchase.
Crypto down payment seasoning and how to skip it
Seasoning is a workaround for funds a lender can't trace.
When your lender says to sell your crypto first
Usually not the way they mean it.
Do crypto funds need to be seasoned for a mortgage?
No — sourced crypto funds don't require a seasoning period.
Documenting crypto as a source of funds
An underwriter accepting crypto-derived funds wants three things: proof the asset was yours, proof of the conversion to dollars, and a traceable path from conversion to closing.
Sourcing vs. seasoning for crypto funds
**Sourcing** is documentation: proving where down payment funds came from and that they're yours.
Verify your wallet
How to find your wallet address in MetaMask
Your MetaMask address is the public identifier you share to receive funds or to submit for wallet verification.
How to sign a message in MetaMask
Signing a message in MetaMask proves you control an address without moving any funds or revealing your private key.
How to send a transfer from MetaMask
Sending from MetaMask is how you complete a test-transfer verification, or move funds generally.
How to find your wallet address on a Ledger device
With a Ledger, your address is derived from keys that never leave the device.
How to sign a message with a Ledger device
A Ledger can sign a verification message using keys that stay on the device — you approve the signature physically, on the Ledger's buttons.
How to send a transfer from a Ledger device
Sending from a Ledger goes through Ledger Live (or a connected interface), with the transaction approved physically on the device.
How to find your wallet address on a Trezor device
Your Trezor address is derived on the device and viewed through Trezor Suite.
How to sign a message with a Trezor device
A Trezor can sign a verification message with keys that never leave the device, approved on the device itself.
How to send a transfer from a Trezor device
Sending from a Trezor runs through Trezor Suite, with the transaction approved on the device.
How to find your wallet address in Coinbase Wallet
This covers **Coinbase Wallet**, the self-custody app where you hold your own keys — not the Coinbase exchange account.
How to sign a message in Coinbase Wallet
Coinbase Wallet (the self-custody app) can sign a verification message to prove you control an address — no funds move and your keys stay private.
How to send a transfer from Coinbase Wallet
Sending from Coinbase Wallet (the self-custody app) is how you complete a test-transfer verification or move funds.
How to find your wallet address in Phantom
Phantom is a multi-chain wallet — it holds addresses on Solana and on EVM chains (Ethereum, Polygon, Base) as well as Bitcoin.
How to sign a message in Phantom
Phantom can sign a verification message to prove you control an address — no funds move and your keys stay on your device.
How to send a transfer from Phantom
Sending from Phantom completes a test-transfer verification or moves funds generally.
How to find your wallet address in Trust Wallet
Trust Wallet is a multi-chain mobile wallet supporting many networks.
How to sign a message in Trust Wallet
Trust Wallet can sign a verification message to prove you control an address, without moving funds or exposing your keys.
How to send a transfer from Trust Wallet
Sending from Trust Wallet completes a test-transfer verification or moves funds.
How to find your wallet address in Exodus
Exodus is a multi-chain wallet available on desktop and mobile.
How to sign a message in Exodus
Message signing in Exodus depends on the asset, and isn't available for every coin.
How to send a transfer from Exodus
Sending from Exodus completes a test-transfer verification or moves funds generally.
How to find your wallet address in Rabby
Rabby is an EVM-focused wallet built around clear network awareness.
How to sign a message in Rabby
Rabby signs verification messages cleanly and is known for showing you exactly what you're approving.
How to send a transfer from Rabby
Sending from Rabby completes a test-transfer verification or moves funds.
Withdraw from an exchange
How to withdraw crypto from Coinbase (exchange)
This covers the **Coinbase exchange** account (coinbase.com / the Coinbase app), not the self-custody Coinbase Wallet.
How to withdraw crypto from Kraken
Kraken is a custodial exchange — it holds the keys on your behalf.
How to withdraw crypto from Binance
Binance is a custodial exchange that holds the keys on your behalf, which changes how verification works (see the note at the end).