Prove where your funds came from — privately

Sooner or later, someone with a legitimate reason to ask wants to know where your money came from. An accountant closing your books. An auditor. A counterparty deciding whether to do business with you. On public rails, answering them has always meant the same trade: to prove one thing, you expose everything.

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The old way: one question, your whole history

Hand over a bank export and it shows every transaction on the account — salary, rent, the donation you would rather keep to yourself. Share a Solana explorer link and it is worse: the wallet’s entire history, past and future, laid out for whoever asked — and for whoever they forward the link to. A public wallet has no scope control. There is no way to answer “where did these funds come from?” without also answering a hundred questions nobody asked. If that sounds abstract, read why your wallet is a public diary first. This page is about the way out.

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Read access is not spend access

Cloak separates the question from the exposure. When you first sign in, your wallet’s signature registers a viewing key — a read-only key that can decrypt your own transaction history: the amounts, the fees, the recipients, transaction by transaction. Read access and spend authority are cryptographically separate: a viewing key can reveal what happened, but it can never move funds. The key is yours, so the choice is yours. Cloak cannot see your balance without your viewing key — and neither can a chain-watcher or other users of the pool. Disclosure is something you do, deliberately, for a specific recipient — not a switch someone else can flip. Private by default. Auditable when required.

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What a disclosure contains

In the app, open History & Compliance: your viewing key rescans the on-chain record and exports a CSV or PDF report of your deposits, transfers, and withdrawals — gross, fee, and net per transaction, with a running balance across the whole history. The shape an accountant actually wants, not a pile of transaction hashes; the full report spec is on the Compliance page.

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What it does not expose

A disclosure is scoped in both directions:

• Nothing about anyone else. Your report reveals your transactions only — never anything about other users of the pool.
• Nothing in public. Exporting a report publishes nothing to a public page and nothing back on-chain. It produces a file, and you decide who receives it.

Privacy isn’t hiding — it’s choosing who gets the receipt. A proof of funds is exactly that: the receipt, handed to the one party who needs it.

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When you would reach for it

An audit. Tax season. A counterparty check before a deal. A dispute over whether a payment happened. Any moment someone legitimate needs an answer about your funds — and nobody needs your whole history to get it. The use-case-by-use-case breakdown lives on the Compliance page.

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Screening happens either way

One honest note on where proof of funds fits. Disclosure is voluntary; sanctions screening is not. Every Cloak transaction is screened before broadcast against sanctions and high-risk lists through Range, the screening partner, and flagged transactions are blocked. On the happy path you never notice it. A disclosure complements that screening — it answers a person’s question about your funds. It does not replace the checks that run on every transaction regardless.

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Where next