Ownership confirmed
Through a declaration or an on-chain ownership transaction, and the transfer can proceed.
Unhosted Wallets Management
Unhosted Wallets Management
When a crypto transfer touches a self-custody wallet, there’s no VASP on the other end to vouch for it. Ownership gets confirmed directly, before the transfer completes.
Wallet checkUnhosted
Wallet typeUnhosted
Verification methodOwnership tx.
Risk screeningPassed
Verified
Every unhosted wallet, resolved somehow
Four outcomes, never a silent one
A wallet flagged as unhosted doesn’t just sit there. It’s either confirmed, corrected, waiting on the customer, or turned down, and the customer always knows which.
Actually a hosted wallet
The customer names the real VASP instead, and the transfer follows the normal Travel Rule path.
Verification link sent
Two calendar weeks to confirm ownership before the link expires on its own.
Verification did not complete
The link expired, or the wallet’s risk score didn’t clear, depending on how the case resolves.
Matching a name to an unhosted address generally isn’t possible. That’s exactly why ownership is proven a different way, not assumed from the address alone.
Edge cases
A few situations sit outside a clean verification
Two weeks passed
Nothing happens automatically. A compliance officer still decides manually from there.
Wallet fails risk screening
Ownership and risk are separate checks. A confirmed owner doesn’t override a poor risk score.
Actually held by a VASP
Corrected on the spot by picking Hosted and the right VASP, instead of running unhosted checks unnecessarily.
Customer never opens the link
The transfer stays pending rather than proceeding on an unverified wallet.
Doesn’t resolve cleanly
Reviewed by a compliance officer rather than left to an automatic rule.
Add-on not yet active
Unhosted wallet verification is a separate service, requested and enabled ahead of time.
How it actually works
A specialized check, layered onto Travel Rule screening
Unhosted wallet verification runs as an extension of Travel Rule screening for transfers that land on a self-custody wallet, using a dedicated verification step rather than replacing the existing crypto flow.
Configuration example
Verification link validity2 calendar weeks
Risk screening providerConfigurable
Confirmed screening providerSumSub
Detection triggerAddress not on record
Two ways to prove ownership
A declaration, or an on-chain transaction
Declaration
A signed statement of ownership
The customer confirms in writing that the wallet is theirs, as part of the verification step.
→
Ownership transaction
Proof directly on the blockchain
A small transaction from the wallet itself demonstrates control of its private keys.
Wallet type
Destination wallet
Wallet typeUnhosted
Or, if this is wrongChoose Hosted
VASPSelect from list
If it’s actually hosted
One correction, and it stops being unhosted
Automated detection isn’t perfect. If a wallet is actually held by a VASP, the customer can say so directly and name which one, rather than being pushed through ownership verification unnecessarily.
- A simple Hosted or Unhosted choiceShown as part of the same verification step.
- A VASP picked from a listSo the platform can reach it directly.
- Back onto the normal Travel Rule pathOnce it’s correctly attributed to a VASP.
When ownership needs proving
A direct link, not a stuck transfer
The customer gets a clear explanation and a direct way to confirm the wallet is theirs, rather than a transfer that just sits unexplained.
- Flagged right on the transactionSame Requires action pattern as the rest of crypto.
- A copyable link, and an emailTwo ways to reach the same verification step.
- Two weeks to actAfter that, the link simply expires.
Confirm wallet ownership
To ensure the security of your funds and comply with regulatory requirements, the wallet owner needs to confirm ownership of the destination wallet. Please click the link below to verify.
Copy link
Verify wallet
Related FinHost modules
Part of the same crypto and compliance experience
Get started
Verify self-custody wallets without stalling the transfer
A direct ownership check, a way to correct a misidentified wallet, and risk screening on top, all before funds move.
ResultVerified
MethodOwnership tx.
Valid for2 weeks
Frequently Asked Questions
What is an unhosted wallet?
A wallet controlled directly by the customer’s own private keys, created in an app like MetaMask, Trust Wallet, or Phantom, rather than held by an exchange or custodial provider.
How does a wallet get treated as unhosted?
If a transfer involves an address that isn’t recognized as belonging to a known VASP, it’s treated as unhosted and routed into ownership verification.
Can the name on the wallet be matched automatically?
No. Matching a name to an unhosted wallet address generally isn’t possible. Ownership is confirmed a different way, through a declaration or an on-chain ownership transaction.
What if a wallet was flagged as unhosted by mistake?
The customer can choose Hosted instead and identify the actual VASP from a dropdown, which lets the platform reach that VASP directly rather than continuing down the unhosted path.
How long does a customer have to complete verification?
Two calendar weeks. After that the link simply shows as expired, and a compliance officer decides manually from there.
Does a low-risk wallet skip verification?
No. Risk screening and ownership verification are separate checks. A wallet can score well on risk and still need its ownership confirmed.