Compliance

Source of funds (SoF): where the player's money comes from

Source of funds (SoF) is proof of where the money a player gambles with comes from: salary, bank statements, sale of property. It is requested when deposits reach set thresholds or when there are risk signs.

Yevhen SychovOctober 2026

SoF and SoW

Source of funds (SoF)Source of wealth (SoW)
Questionwhere this money comes fromhow the player built their wealth in the first place
Documentsbank statements, proof of income, sale agreementincome, business, inheritance, investments
Whendeposit thresholds, risk signsbig players and high risk

When it is requested

Thresholds are set by the licence and the operator's internal AML policy. Typical triggers: total deposits over a period above a threshold, a single large deposit, a sharp rise in stakes, a mismatch with the player's profile, payments from third-party cards.

The specific amounts differ in every market. Check the requirements of your licence and write the thresholds into a policy, so that the check does not depend on a manager's mood.

Do not confuse it with an affordability check. That one asks a different question: can the player afford this spending without harm to themselves.

How not to lose the player

  • Warn in advance: before the threshold, not at the moment of withdrawal.
  • Explain the reason: it is a licence requirement, not a personal suspicion of the player.
  • Accept documents in a convenient format and give a timeframe for the check.
  • A VIP player is handled personally by their manager. A drawn-out check before a withdrawal often turns into the last visit.
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