# Document Requirements for Verification

Digits verifies your identity and business information to keep your account secure and compliant with US regulations. In most cases, verification happens automatically based on the information you provide. However, if automatic verification is unsuccessful, you may be asked to upload additional documents.

This guide explains what documents may be required and how to prepare them for upload.

***

### Overview

Depending on your account type, you may need to provide documents for:

| Individuals                  | Businesses                |
| ---------------------------- | ------------------------- |
| Photo ID                     | Registration Document     |
| Proof of Tax ID              | Proof of Business Address |
| Proof of Residential Address | Proof of Tax Information  |
| Proof of National ID Number  | Proof of Ownership        |
| Proof of Source of Funds     | Proof of Industry         |
| Proof of Source of Wealth    | Proof of Source of Funds  |
|                              | Proof of Source of Wealth |

**For all accounts:** Bank Statement (if bank account verification fails)

***

### General Upload Requirements

All uploaded documents must meet these specifications:

| Requirement       | Specification          |
| ----------------- | ---------------------- |
| **File formats**  | JPEG, JPG, PNG, or PDF |
| **PDF size**      | 1 KB – 15 MB           |
| **Image size**    | 100 KB – 15 MB         |
| **Maximum pages** | 15 pages (for PDFs)    |

**We cannot accept:**

* Edited or digitally altered documents
* Documents older than 12 months (unless otherwise specified)
* Blurry, cut-off, or low-quality images
* Documents with missing required information
* Screenshots of documents (unless specifically permitted)

***

### Bank Statement

If automatic verification of your bank account fails, you'll need to provide proof of bank account ownership.

<div align="left"><figure><img src="broken-reference" alt="" width="563"><figcaption></figcaption></figure></div>

#### Accepted Documents

* Bank statements
* Deposit tickets or deposit forms
* Screenshots of your online banking environment
* Official letters issued by your bank
* Checks (with specific requirements below)

#### Requirements

Your bank document must clearly show:

* **Account holder name** — Must match your legal business name or trading name (DBA) exactly
* **Account number or routing number** — Fully visible
* **Date of issuance** — Within the last 12 months
* **Bank identification** — Logo or bank name in official font

#### Special Requirements for Checks

* Account holder name, account number, and bank name must be **printed** (not handwritten)
* Security features must be visible
* Account and routing numbers must be fully visible
* We cannot accept starter checks or temporary checks

#### What We Cannot Accept

* Photos of debit or credit cards
* Documents from third-party financial software
* Statements older than 12 months
* Documents without bank identification

***

### Photo ID

If automatic identity verification fails, you'll need to upload a government-issued photo ID.

#### Accepted Documents

<table><thead><tr><th width="228.485107421875">Document Type</th><th>What to Upload</th></tr></thead><tbody><tr><td><strong>Passport</strong></td><td>Data page (photo, MRZ code, and personal details)</td></tr><tr><td><strong>Driver's License</strong></td><td>Front AND back (as separate images)</td></tr><tr><td><strong>State ID Card</strong></td><td>Front AND back (as separate images)</td></tr></tbody></table>

<div align="left"><figure><img src="broken-reference" alt="" width="563"><figcaption></figcaption></figure></div>

#### Requirements

Your photo ID must:

* Be **non-expired**
* Show the **machine-readable zone (MRZ)** if present
* Be a **physical document** (not a digital ID)
* Be **signed** if there's a signature field
* Have **first and last name matching** exactly what you provided during signup

#### Image Quality Requirements

* **Full color** — No black and white images
* **Straightened** — All corners and edges fully visible
* **Photo or scan** of the physical document

#### What We Cannot Accept

* Digital IDs or mobile driver's licenses
* Screenshots of photos
* Photos of screens or printouts
* Photos pasted onto other documents
* Expired documents

{% hint style="info" %}
**Name Mismatch?** If your legal name has changed (e.g., after marriage), your photo ID name must still match what you provided during signup. Contact support if you need to update your registered name.
{% endhint %}

***

### Proof of Individual Tax ID

If automatic tax ID verification fails, you'll need to upload an official tax document.

#### Accepted Documents

Your document must contain one of the following tax identification numbers **and** your name:

| Tax ID Type                                          | Description                                         |
| ---------------------------------------------------- | --------------------------------------------------- |
| **Social Security Number (SSN)**                     | 9-digit number issued to US citizens and residents  |
| **Employer Identification Number (EIN)**             | 9-digit number for business entities                |
| **Individual Taxpayer Identification Number (ITIN)** | 9-digit number for individuals not eligible for SSN |

#### Examples of Acceptable Documents

* IRS correspondence showing your SSN, EIN, or ITIN
* Social Security card
* EIN Confirmation Letter (CP 575)
* Tax return documents
* W-2 or 1099 forms

***

### Constitutional Document (Sole Proprietorships)

If you operate as a sole proprietor and automatic verification fails, you may need to provide a constitutional document.

#### Accepted Documents for US Sole Proprietors

| Document                             | Description                                         |
| ------------------------------------ | --------------------------------------------------- |
| **SS-4 Confirmation Letter**         | IRS acknowledgment of your EIN application          |
| **Schedule C**                       | Profit or Loss from Business (from your tax return) |
| **EIN Confirmation Letter (CP 575)** | Official IRS letter confirming your EIN             |
| **DBA Filing**                       | "Doing Business As" or Fictitious Name filing       |

#### Requirements

* Issued within the last **12 months**, OR
* Contains a signature and date not older than 12 months

***

### Registration Document (Organizations)

If automatic verification of your business fails, you may need to provide an official registration document.

<div align="left"><figure><img src="broken-reference" alt="" width="563"><figcaption></figcaption></figure></div>

#### Requirements

Your registration document must be:

* Issued by a **government agency or official registry**
* Issued within the last **12 months**, OR contain a signature and state of affairs dated within the last 12 months
* Show your **legal business name** and **registration number**

#### Examples of Acceptable Documents

* Articles of Incorporation
* Certificate of Formation (LLC)
* Certificate of Good Standing
* Business License
* State registration certificate

***

### Proof of Business Address

If automatic address verification fails for your organization, you'll need to provide proof of your business address.

#### Requirements

The document must be:

* Issued by a **reliable, independent source** (government agency, utility company, financial institution)
* Issued within the last **12 months**
* Show your **complete business address**

#### Examples of Acceptable Documents

* Utility bills (gas, electric, water, internet)
* Bank statements
* Government correspondence
* Lease or rental agreements
* Official business registration showing address

***

### Proof of Residential Address

If automatic verification of your residential address fails, you'll need to provide proof of your address.

<div align="left"><figure><img src="broken-reference" alt="" width="563"><figcaption></figcaption></figure></div>

#### Document Age Requirements

<table><thead><tr><th width="185.07952880859375">Maximum Age</th><th>Document Types</th></tr></thead><tbody><tr><td><strong>3 months</strong></td><td>Bank statement, Utility bill (gas, water, electric, internet), Tax document, Salary slip, Employment contract, Government correspondence</td></tr><tr><td><strong>12 months</strong></td><td>Mortgage statement, Voter registration certificate</td></tr></tbody></table>

#### Requirements

Your document must show:

* Your **full name**
* Your **complete residential address** (including state)
* **Date** within the required timeframe

***

### Proof of National ID Number

If automatic verification of your national ID number fails, you'll need to provide documentation.

#### Requirements

Your document must:

* Show your **full name**
* Show your **national ID number** (SSN for US individuals)
* Be issued by a **government agency**

***

### Proof of Organization Tax Information

If automatic tax verification fails for your business, you'll need to provide proof of your business tax ID.

#### Requirements

The document must:

* Be issued by a **government or tax authority**
* Show your **legal entity name** (not just DBA/trading name)
* Show your **tax ID number (EIN)**
* Show **country of registration**
* Be dated within the last **12 months**, OR be signed and dated by a legal representative within the last 12 months

#### Examples of Acceptable Documents

* IRS EIN Confirmation Letter (CP 575)
* IRS tax correspondence
* State tax registration documents

{% hint style="warning" %}
**Important:** Your "Doing Business As" (DBA) or trading name cannot be accepted as your legal entity name. Make sure to provide documents showing your official legal business name.
{% endhint %}

***

### Proof of Ownership

If verification of your business ownership structure fails, you may need to provide proof showing who owns and controls your company.

#### Required: Ownership and Control Chart

You must provide a visual diagram showing:

* **Complete ownership structure,** including all intermediate companies
* **Legal entity name, structure, and state** for every entity
* **Ownership percentages** between entities
* **Ultimate Beneficial Owners (UBOs)** — individuals who own 25% or more
* **Signature, name, title, and date** (within last 6 months)

#### Supporting Documents

In addition to the ownership chart, you may provide:

* Securities or shareholder register
* Articles of incorporation
* Annual reports
* Certificate of Corporate Status
* Shareholder agreements
* Partnership agreements
* Board meeting records
* Certificate of incumbency

#### Document Requirements

Supporting documents must:

* Include information about UBOs and all intermediate entities
* Be dated within the last **6 months**
* Be issued by an external/official source

***

### Proof of Source of Funds

You may be asked to verify the source of funds being used in your Digits account.

#### Required Information

| Source Type          | What You Need                                   | Supporting Documents                                                                                                      |
| -------------------- | ----------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------- |
| **Business profits** | Description of your industry and business model | Latest audited accounts, annual statements, or letter from a regulated accountant detailing profits over the last 2 years |

***

### Proof of Source of Wealth

For certain accounts, you may need to document the total amount and sources of your wealth.

#### Documentation by Wealth Source

| Source                       | Required Information                                  | Acceptable Documents                                                                        |
| ---------------------------- | ----------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| **Business profits**         | Industry and business description                     | Audited accounts, annual statements, accountant letter                                      |
| **Employment/Salary**        | Role, salary, employer details, employment dates      | Pay stubs (last 3 months), contract, tax documents, bank statements showing salary deposits |
| **Inheritance**              | Date received, amount, relationship to benefactor     | Grant of probate with will, tax document, bank statement, solicitor's letter                |
| **Rental income**            | Annual amount, property address                       | Proof of ownership, tax document, rental agreement                                          |
| **Capital gains/Dividends**  | Annual amount, investment description, holding period | Tax document, investment statement, confirmation letter                                     |
| **Asset sale**               | Sale date, amount, asset type, holding period         | Sale contract, solicitor letter, bank statement, title deed                                 |
| **Loans**                    | Loan date, amount, lender info, purpose, duration     | Loan agreement, recent loan statement                                                       |
| **Gifts/Donations**          | Date, amount, donor info, reason, relationship        | Letter from donor confirming gift and source of funds                                       |
| **Lottery/Betting winnings** | Date, amount, source                                  | Tax document, bank statement, proof from lottery/casino                                     |

***

### Proof of Industry

If industry verification fails, you may need to provide documentation showing your business classification.

#### Acceptable Documents

Any document that includes an official industry code:

* **Tax documents** showing industry classification
* **Registration documents** with industry codes
* **SIC code** documentation

Your proof of industry can often be satisfied by documents you've already provided, such as tax information or registration documents, if they include industry classification codes.

***

### Need Help?

If you have questions about document requirements or need assistance with verification:

* Review the specific requirements for your document type above
* Ensure your documents meet all format and quality standards
* Contact Digits support at <help@digits.com> if you're unsure whether a document will be accepted

{% hint style="success" %}
**Tip:** Before uploading, double-check that your document is clear, complete, shows all required information, and meets the file size requirements.
{% endhint %}
