SourceOfFunds · SourceOfFunds Exchange / OTC / Bank API

Replace 5-10 day SoF compliance reviews with real-time Travel Rule-compliant chain of custody.

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.

Endpoints

Initiate verification

POSThttps://api.jilsovereign.com/v1/sourceoffunds/check

{
  "exchange_id": "vasp_abc123",
  "transaction_id": "txn_2026Q3_deposit_xyz",
  "user": {
    "user_id": "user_xyz",
    "deposit_amount_usd": 250000,
    "deposit_currency": "USD"
  }
}

Retrieve CREB

GEThttps://api.jilsovereign.com/v1/sourceoffunds/creb/{check_id}

{
  "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"
  }
}

Exchange / Bank API pricing

Per-check tiered

$0.25 (200K+ checks/mo) / $0.45 (50K-200K) / $0.95 (10K-50K) / $1.95 (under 10K). Monthly true-up against actual check count.

Travel Rule envelope

Each CREB is structured as a Travel Rule originator-attestation envelope. Receiving VASPs / banks accept it without phone calls.

Volume commitments

Annual minimum commitments unlock the lowest tier; volume-flex contracts available for seasonal exchange volume.

Who buys this

Crypto exchanges

Coinbase, Kraken, Gemini, Binance.US embed verify endpoint at large-deposit thresholds.

OTC desks

OTC trade attestation as part of normal counterparty onboarding.

Private banks

Wire-deposit compliance review without 5-10 day queue.

Wealth management

Client onboarding source-of-wealth / source-of-funds in one envelope.

Immigration law firms

Bundled into EB-5 / E-2 / O-1 / golden-visa filings.

Money services businesses

Travel Rule-compliant originator attestation across VASP transfers.

Trace, not lawful determination

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.

What's in the CREB

Subject of verdict (user identity + transaction context)
Primary source (IRS-verified income / institution-confirmed transfer / gift letter / inheritance / business sale)
Trace completeness (FULL / PARTIAL / GIFT-WRAPPED / INHERITANCE-WRAPPED)
Travel Rule envelope (IVMS101-compliant originator attestation)
Hybrid signatures (Ed25519 + Dilithium-III)
CourtChain anchor transaction
90-day CREB reuse window

Talk to integration

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.