The RealScore™ Report

Verified crypto assets, on paper

When crypto funds a home purchase, everyone downstream — seller, listing agent, escrow, and above all the lender — needs the same three answers: whose assets are these, what are they worth, and will they still be worth it at closing. The RealScore™ Report answers all three in one document.

It isn't a screenshot and it isn't a self-attestation. Wallet ownership is proven cryptographically, holdings are read from the chain, and the valuation is adjusted for coin-specific volatility — so the number a lender underwrites against is the conservative one.

Example RealScore Report showing verified crypto holdings for mortgage qualification
A sample RealScore™ Report

What's inside

Every RealScore™ Report documents:

  • Verified identity — the client behind the assets, KYC-verified through Stripe Identity.
  • Proven wallet ownership — a signed message or a small challenge transfer demonstrates control of each wallet. Your keys never move; nothing is custodied.
  • Current holdings and valuation — assets, quantities, and USD values with the pricing source and timestamp stated.
  • On-chain history — the public transaction record of each wallet, including how long assets have been held. This is the seasoning evidence underwriters ask for.
  • Net conversion value — a volatility-adjusted estimate of what the holdings deliver in dollars, optionally compared against your cash-to-close requirement.

Paired with RealOpen's Transaction Record — the conversion and flow-of-funds paper trail — it forms the exact documentation underwriters want, and lenders have released closing docs on exactly this basis.

Verifiable by design

Every report carries a document ID and QR code. Check the ID at realopen.com/verify to confirm the document is authentic and current — and drop your PDF copy on that page to confirm it's byte-for-byte what RealOpen issued. Reports stay current for 30 days; a fresh report supersedes the old one, and the verify page says so.

Lenders can go further: a free lender account retrieves the full structured report — holdings, history, valuation — by document ID or API, instead of re-keying from a PDF.

How to get one

Create a RealOpen account, verify your identity, and prove ownership of your wallets — it takes minutes, and your crypto stays exactly where it is. Your RealOpen advisor generates the report from your verified holdings whenever a lender, seller, or escrow officer needs it.

Buying with financing? See how the report anchors a crypto down payment without the seasoning detour. Paying all-cash in crypto? Start with crypto proof of funds.

Frequently asked questions