Your bank did not ask where your money came from because they suspect you. They asked because SEPBLAC requires them to. And the answer you give in the next forty minutes will decide whether your mortgage is approved, your transfer is processed, or your file moves to internal escalation.

Most crypto holders arrive at that meeting unprepared. They have spreadsheets and screenshots and a general sense that their funds are legitimate. What they do not have is a Source of Funds dossier — a structured, dated, legally coherent document that a compliance officer can read in six minutes, stamp on page one, and file.

This is the field manual that builds it, layer by layer.

🗂️ What This Dossier Solves

The Seven-Layer Framework — Cover, Identity, Timeline, Transaction Record, On-Chain Evidence, Fiat Trail, Narrative Declaration. Each layer answers a specific question the compliance officer is legally required to ask. The order is not arbitrary — it mirrors her reading sequence.

The Narrative Declaration — the only layer you write from scratch. Five paragraphs, ~300 words, every claim referenced to a specific document. The exact architecture that gets a file past the ninety-second first-pass decision.

The Five Scenarios — Long-Term Accumulator, Mixed Accumulator, DeFi Operator, Business-Origin Holder, Inheritor. Five profiles, five case files, five different emphases.

The Refusal Playbook — when the answer is no. Four refusal categories (policy, jurisdictional, documentation, suspicion), each with a distinct correct response. The three-rung escalation ladder. The reconstruction protocol. The alternative lender landscape.

The Bank Conversation — the ninety-second opening that sets the register. The three questions she must ask. The four objections and their correct answers. The 24-hour rule.

Appendix E — Anatomy of a Chain Analysis Report — what the compliance officer reads in seven seconds. Page-by-page breakdown of a real Chainalysis report, annotated.

📘 What’s Inside

📖

Inside This Codex — 16 Chapters

1
The Question

The moment a banker asks where your money came from. Why crypto holders fail — and it is not honesty.

2
The Law's Logic

What the compliance officer actually does with your file. 45 minutes, hour by hour, from 08:47 to 09:32.

3
The Paper Trail

The seven layers. Cover, Identity, Timeline, Transaction Record, On-Chain Evidence, Fiat Trail, Narrative.

4
The Five Scenarios

Long-Term Accumulator, Mixed Accumulator, DeFi Operator, Business-Origin Holder, Inheritor.

5
The Narrative Declaration

The five-paragraph architecture. The seven pitfalls. The bilingual attestation.

6
The Bank Conversation

The first ninety seconds. The three questions. The four objections.

7
The Refusal Playbook

Four refusal categories. The escalation ladder. The reconstruction protocol.

8
Source of Wealth

The biographical companion document. Five sections.

9
The Defense File

Physical structure, folder architecture, backup discipline, retention period.

Appendix A
Glossary of Source of Funds

Every term a compliance officer uses, decoded.

Appendix B
Master Checklist — The Seven-Layer Dossier

Printable on one page.

Appendix C
Templates Pack

Four documents, ready to adapt.

Appendix D
Chain Analysis Provider Comparison

Chainalysis, Elliptic, TRM Labs, Crystal Blockchain.

Appendix E
Anatomy of a Chain Analysis Report

Annotated page by page.

Do I need to own crypto to buy this guide?

The guide is written for crypto holders who need to prove source of funds to a Spanish bank, notary, or CASP. If you do not hold crypto, the material is not relevant to your situation.

Does this cover Spanish banks only?

The core framework applies to any obligated subject under Ley 10/2010 — Spanish banks, notaries, property registrars, lawyers handling large transactions, and CNMV-registered CASPs. The methodology is jurisdiction-agnostic and adapts to other EU member states.

How long does it take to assemble a dossier?

Two full days the first time. One day to gather historical records, one day to build the timeline, narrative, and cross-references. Subsequent dossiers take less because most layers are reusable across transactions.

What is the difference between source of funds and source of wealth?

Source of funds is transaction-specific: where did this specific €120,000 come from? Source of wealth is biographical: how did you accumulate your total net worth? Section 8 addresses the source-of-wealth document.

Do I need a lawyer to build this?

No — but have one review the file before submission if your situation involves inheritance, cross-border structures, prior tax regularizations, or any history of flagged on-chain interactions.

Is this the same as the December 31st Protocol?

No. The December 31st Protocol is about filing the Modelo 721 — declaring foreign crypto holdings to the AEAT. This guide is about proving source of funds — answering the bank’s AML inquiry under Ley 10/2010. Many readers buy both.

The Source of Funds Dossier is the fourth book in the Rooted Nomad collection. 127 pages. First Edition, September 2026.

Updates logged at salahnomad.com/source-of-funds-dossier/updates/.