List of documents accepted for source of income verifications

Updated:

Below, you may see the list of documents accepted during source of income verifications in ZEN.COM. When uploading the documents in the ZEN.COM app, please make sure to upload a clear and valid version.

Chosen source of incomeFull list of accepted documents
Salary, wages, or savings
  • Bank statements showing salary deposits from the last 3-6 months.
  • Employment contract showing your salary.
  • Employer-issued letter confirming salary amounts (monthly or yearly) and employment.
  • Pay slips from the last 3-6 months.
  • Tax declaration for the last year.
Business income
  • Bank or investment statements from the last 3–12 months.
  • Business registration certificate or trade licence.
  • Articles of incorporation or shareholder agreements.
  • Audited financial statements for the last 12 months.
  • Invoices or contracts showing business income from the last 3–12 months.
Investment income (other than crypto)
  • Bank or investment statements from the last 3–12 months.
  • Purchase agreements for stocks, bonds, or real estate from an official source, such as a Bank, Broker, Online Trading Platform.
  • Purchase or rental agreements.
  • Notarised real estate purchase or sale contracts.
  • Sale contracts with proof of prior ownership.
  • Tax payment proof related to the sale.
Inheritance or commercial loan
  • Notarised legal will or probate court decision.
  • Bank statements showing the credited inheritance amount.
  • Inheritance certificate issued by a notary or court.
  • Tax payment proof related to inheritance.
  • Commercial loan agreement or credit facility documentation.
  • Bank statements showing loan-related transactions.
Gifts or private loan
  • Gift or donation agreement (for real estate, vehicles, art pieces, or other high-value items — should be notarised).
  • Bank statements reflecting the transfer of gift or private loan to the external bank account, if not received directly onto the ZEN account.
  • Private loan agreement.
Pension payments or government benefits
  • Official decision granting the allowance.
  • Pension payment statements from the last 3–12 months.
  • Official letter from the pension fund or relevant authority.
  • External bank statement clearly showing regular benefit payments from named institution.
Dividends or sale of assets
  • Dividend payment confirmations from the company – should contain the signature of the Director, Board Members or Secretary visible in the Business register.
  • Articles of Association or board resolutions authorising the payment – containing the necessary signatures as mentioned on the above category.
  • Bank statements showing dividend credits.
  • Tax declarations reflecting dividend income.
Lottery or gambling winnings
  • Official confirmation of winnings or settlement agreement.
  • Bank statements reflecting the funds from the winning credited onto the account, if the funds have not been credited directly to the ZEN account.
  • Tax return statement indicating the amount of the winning (if applicable).
Crypto investments
  • Transaction history from your virtual currency exchange platform from the last 3-6 months.
  • Tax filings reflecting cryptocurrency-related income.
  • Balance statement from exchanges.

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