Unhosted Wallet Verification

Unhosted wallet control, verified

Meet Travel Rule requirements for unhosted wallets using accepted ownership proof methods without disrupting transaction flows.
500+
Broad wallet compatibility
8 out of 10
Top crypto exchanges choose Sumsub
15+
Supported blockchain networks
Integrated Protocols
Infrastructure Partners
Technological Partners

Verify unhosted wallet control and keep compliant transactions flowing

Unhosted wallet verification confirms control of the wallet's private keys through accepted ownership proof methods.

Confirm wallet control
Establish who controls the wallet to support Travel Rule and AML/CTF compliance.
Apply risk-based controls
Implement proportionate controls at the point of transfer, tailored to your risk model and jurisdiction.
Operate consistently across chains
Apply ownership proof methods consistently across supported blockchains.
Preserve transaction continuity
Maintain uninterrupted transfers alongside risk-based controls.

Establish unhosted wallet control with risk‑based precision

Four commonly accepted ownership proof methods embedded into transaction flows.

New

Satoshi Test

Also known as microtransactions, the Satoshi Test is a widely accepted ownership proof method that verifies a user can transact from a given wallet address by requiring a small, predefined test amount to be deposited within a defined timeframe.

  • Automated verification
  • On-chain proof of wallet control
  • Works with wallets capable of sending on-chain transactions
Satoshi Test verification method

Simplify unhosted wallet checks with a Satoshi Test

Securely verify wallet control through a predefined microtransaction to support compliant crypto transfers.

Hosted and unhosted wallets require different controls in Travel Rule

FATF requires VASPs to distinguish between wallet types, as this determines the compliance actions they must take.

Hosted wallets
Unhosted wallets
About

Managed by third parties

Controlled by the wallet holder

Requirements for VASPs

Originating VASP is responsible for collecting, verifying, checking, and transmitting the data to the counterparty.

Originating VASPs are not required to transmit the data; however, they are still expected to collect it, verify it, and perform the necessary checks.

Unhosted wallet requirements may differ by jurisdiction

These differences may include verification requirements, by transaction amount, how they are applied, and what data must be collected.

FAQ

  • What is an unhosted wallet?

    An unhosted (non-custodial) wallet is a crypto wallet controlled directly by the wallet holder, who holds the private keys without a third-party provider.

  • How do you get a non-custodial wallet?

    You create one by installing a software wallet or using a hardware wallet, which generates a wallet address and private keys under your control.

  • How do you prove ownership of a crypto wallet?

    Ownership is typically proven by signing a message or transaction with the wallet's private key, demonstrating control of the address.

  • What is a Satoshi test?

    A Satoshi test verifies wallet control by asking the wallet holder to send a small blockchain transaction (microtransaction) from the wallet being verified to a specified address within a defined timeframe.

  • What is required for Travel Rule compliance when transactions involve unhosted wallets?

    VASPs must identify, assess, and mitigate risk in line with FATF guidance and local regulatory requirements when transactions involve unhosted wallets.

Prevent unhosted wallets from becoming a blind spot for illicit activity

Wallet verification that keeps legitimate activity moving while exposing high-risk wallets.

Resources