List of documents accepted for source of income verifications

Updated April 22, 2026 13:30

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 income	Full 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 license. 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. Notarized real estate purchase or sale contracts. Sale contracts with proof of prior ownership. Tax payment proof related to the sale.
Inheritance or commercial loan	Notarized 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 notarized). 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 authorizing 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 such as XTB, Binance, etc.

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