Daniel Vinnik

Lawyer

Phone numbers
+38 (073) 007-44-41

Expert in international corporate, IT, and crypto law. Has extensive experience in business setup and support in the USA, EU, LATAM, and the Middle East. Specializes in corporate structuring, compliance, KYC/AML, IP, GDPR, as well as regulation of crypto and fintech projects.

Contact now

Case: Prepared an Evidence Base to Confirm the Source of Funds in EU Banks

International corporate law
Reading time: 3 min.

Service: AML / banking support; preparation of explanations and documents for financial institutions.

Client: individual with international financial operations.

Jurisdictions: EU countries.

Period of work: 2026.

Grounds for request

The client contacted us due to restricted access to funds in accounts at several European banks. After a series of international transfers, the banks initiated additional checks and requested confirmation of the source of funds.

The situation required a fast but careful response. In such cases, overly emotional correspondence with the bank or an incomplete package of documents may assign a high-risk profile to the client.

Additional complication

  • checks were conducted simultaneously by several financial institutions;
  • banks assessed not only individual payments, but the client’s overall behavior and the economic logic of operations;
  • some documents required adaptation to the expectations of compliance departments;
  • there was a risk of account closure, long-term freezing of funds or transfer of information to competent authorities.

Actions of the lawyers of “Prikhodko and Partners”

1. Analysis of financial history and risk profile

We assessed the structure of incoming funds, payment purposes, the logic of fund movement and documents that the client could provide to confirm their position.

2. Preparation of explanations for banks

Clear explanations were prepared regarding the source of funds, the economic substance of payments, counterparties and the grounds for conducting operations.

3. Systematization of documents

We prepared a list of necessary documents and helped the client build an evidence base in such a way that it corresponded to the logic of banking compliance.

4. Strategy for further actions

The client received recommendations on communication with banks, the procedure for providing responses, preservation of evidence and involvement of local consultants in case of escalation.

Result

  • the client received a structured position for passing compliance checks;
  • a package of documents regarding the source of funds was prepared;
  • the risks of chaotic or incomplete communication with banks were minimized;
  • the client received a practical plan of further actions in case the blocking continues.

Practical conclusions

  1. European banks increasingly assess not only documents, but also the overall logic of the client’s financial behavior.
  2. The availability of funds itself is not a problem; the problem is the inability to quickly and documentarily explain their origin.
  3. Preparation for an AML check should include not only statements, but also contracts, invoices, explanations and a consistent chronology.
  4. In bank blocking cases, it is important not to argue with compliance, but to provide it with a verifiable and legally correct response.

How we can help

  • analyze the client’s situation and identify legally relevant risks;
  • prepare the evidence base, documents and legal position for communication with counterparties, banks, platforms or donors;
  • support negotiations, claim communication and further legal actions;
  • build a legal model that works not only “on paper”, but also in the client’s real operational activity.

If a European bank has restricted access to funds, requested documents or initiated a compliance check, the lawyers of “Prikhodko and Partners” will help prepare explanations, collect an evidence base and build correct communication with the financial institution.

Calculate the cost of services
1 question

Do you want to prepare a package of documents in advance for passing an AML check?

Yes
No
2 question

Have you faced restricted access to an account or funds?

Yes
No
3 question

Has the bank requested documents from you regarding the source of funds?

Yes
No
Articles and services on the topic of the case:
Other cases from the category: “International corporate law”
Law company
Leave a request for legal assistance right now:
9+ years on the market
70+ professional practitioners
Fixed price
Online / offline consultation

ФінТех

Ready-Made Pawnshop with a License and 6 Branches for Sale Registration of a Crypto Company in Georgia in a Free Industrial Zone International M&A Services Canada MSB FINTRAC Registered for Sale 2026 SCC GDPR Data Processing Agreement (DPA) for GDPR Cryptocurrency investment agreement KYC verification Investing in cryptocurrency – Legal support AML check Implementation of Travel Rule systems in Europe Obtaining a MiCA license for CASP in the EU Legal verification of the transaction for AML/CTF Obtaining CASP in Austria Opening a crypto company (CASP) in Poland Cryptocurrency and token accounting in Ukraine Real estate tokenization Obtaining an EMI license in Malta Obtaining an AEMI license in the Netherlands Legal support for crypto wallet unfreezing Register a company in England Bookmaker’s license Extension of gambling licenses in Ukraine Cancellation of gaming licenses Legal support for checking the security of a cryptocurrency wallet Legal verification of the crypto wallet Audit of a Crypto Exchange or Crypto Trader Choosing Between MetaTrader 4 (MT4) or MetaTrader 5 (MT5) Connecting the MetaTrader Platform Purchase a Ready-made Company with MT4 Purchasing a Ready-Made Company with MT5 How to to get MT4/MT5 Whitelabel licence How much does a MT4 license cost? Internet casino license TOKENIZATION SPI license in the Czech Republic Internet poker license Gambling table license Obtaining an SPI in Poland Buying a ready-made company in Singapore License for gambling equipment Obtaining an AEMI license in Lithuania Registration of tokenization of real estate and other assets in Ukraine and abroad License for gaming machine halls LICENSE FOR PAYMENT SYSTEM IN CYPRUS Legal Comparison of EMI/AEMI Electronic Money Licenses and PI Payment Institution Licenses Opening a brokerage account in Exante CREATION OF A HOLDING COMPANY IN CYPRUS Opening a business in Slovakia The system of taxation of Ukrainians in Slovakia Obtaining a crypto license in Bulgaria The system of taxation of Ukrainians in Austria GDPR compliance for business Legal Opinion Letter Taxation of Ukrainians in Estonia Registration of an association providing p2p services in Poland The taxation system for Ukrainians in Canada Licensing of virtual currency service providers in Spain Opening a bank account in Turkey for a legal entity Tax system for Ukrainians in Italy Obtaining a Curacao gambling license The taxation system for Ukrainians in Ireland EMI license Opening an account in the payment system Opening an account in Payoneer for entities Taxation of Ukrainians in Germany Buying a ready-made company with an EMI license Obtaining a casino license in Ukraine Lawyers in the field of blockchain technology Taxation of Ukrainians in Britain Taxation for Ukrainians in the Czech Republic Licensing of cryptocurrency activities in France Legal support for the purchase of a ready-made company with a Forex license TAXATION SYSTEM FOR UKRAINIANS IN SPAIN Relocation of business to the territory of the European Union Relocation of business to Europe Registration of an LLC (BV) in the Netherlands Registration of an entrepreneur in the Netherlands Buy a company with a crypto license Buy a ready-made company with turnover in Ukraine Buy a ready-made company with a brokerage account in Ukraine Buy a ready-made company in Estonia Buy a ready-made company in Poland Buy a ready-made company in the UAE (Dubai) Buy a ready-made company in Hong Kong with an account Buy a ready-made brokerage company with a license in Ukraine LLC registration in Bulgaria Self-Employed Person (SEP) in Malta Buying a ready company with MetaTrader 4 Registration of individual entrepreneurs (analogue) in Bulgaria Register a company in the USA Register a company in Hong Kong Company Registration in the UK A ready-made company with a cryptocurrency license Tax system in Malta Company registration in Malta Optimization of the tax burden in the UK How to unblock a money account at stock exchanges and other financial institutions? Unlocking crypto wallets on exchanges and other financial institutions Tax consultation in Europe Registration of a company (LLC) in Cyprus Registration of an IE in Great Britain Opening of an individual enterprise in the Czech Republic Registration of LLC in Great Britain Registration of an individual entrepreneur in Latvia Company registration in Latvia Opening of a sole proprietorship in Germany Comparison of MetaTrader 4 and MetaTrader 5 Opening an account in payment systems FOREX jurisdiction Termination of the GIG-contract REGISTRATION OF THE COMPANY (LLC) IN THE CZECH REPUBLIC Registration of an individual entrepreneur for IT in Europe The taxation system in Austria Tax system in Cyprus Services of MLRO – specialist The opening of the GmbH in Germany Registration of an individual entrepreneur in Austria Obtaining a forex license License to trade cryptocurrencies Registration of an offshore company Audit of smart contracts Registration of a company (LLC) in Austria COMPANY REGISTRATION IN ESTONIA OBTAINING A GAMBLING LICENSE IN ANJOAN DEVELOPMENT OF AN AML POLICY REGISTERING A CRYPTO COMPANY IN COSTA RICA Gambling license in Ukraine REGISTRATION OF AN INDIVIDUAL ENTREPRENEUR IN SPAIN OBTAINING A CRYPTO LICENSE IN KYRGYZSTAN RECEIVING CRYPTO LICENSES IN EL SALVADOR Obtaining a gambling license in the UK BUSINESS REGISTRATION IN COSTA RICA OBTAINING AN EMI LICENSE IN KAZAKHSTAN OBTAINING A CRYPTO LICENSE IN ITALY DRAWING UP A GIG CONTRACT OBTAINING A CRYPTO LICENSE IN GIBRALTAR Smart contracts: The future of agreements based on blockchain technologies and their legal support OBTAINING A CRYPTO LICENSE IN KAZAKHSTAN OBTAINING A CRYPTO LICENSE IN SWITZERLAND LEGAL SUPPORT FOR UNLOCKING CRYPTO ASSETS LEGAL SUPPORT WEB 3.0 SERVICES OBTAINING A CRYPTO LICENSE IN SINGAPORE Opening a crypto-friendly account OPENING A BANK ACCOUNT FOR A GAMBLING BUSINESS Opening Accounts for High-Risk Businesses COMPANY REGISTRATION IN HONG KONG Gambling license in Malta OBTAINING A CRYPTO LICENSE IN SLOVAKIA OBTAINING AN EMI PAYMENT LICENSE IN LITHUANIA OBTAINING A CRYPTO LICENSE IN CURAÇAO Obtaining an SPI Payment License Cyprus STP Broker for sale Obtaining an API (Application Programming Interface) Payment License Connecting to MetaTrader 5: A Guide for Brokerage Companies OBTAINING A CRYPTO LICENCE IN HONG KONG Obtaining a payment license in Belize OBTAINING SVF LICENSE IN SINGAPORE OBTAINING A VANUATU FOREX LICENSE GETTING AN AEMI LICENSE IN THE UK CLEAN COMPANY WITH METATRADER 4 PLATFORM MSB Registration in Canada OBTAINING A CRYPTO LICENSE IN LITHUANIA OBTAINING A CRYPTO LICENSE IN POLAND OBTAINING A CRYPTO LICENSE IN THE CZECH REPUBLIC REGISTERING A BANK ACCOUNT IN HONG KONG ICO SUPPORT HOW TO CONNECTI THE METATRADER PLATFORM BANK REGISTRATION IN CYPRUS OBTAINING CRYPTO LICENSES IN THE EU AUTHORISED PAYMENT INSTITUTION IN UK OBTAINING A CASINO LICENSE OBTAINING FOREX LICENSES OBTAINING A BETTING LICENSE OBTAINING AN MSO LICENSE IN HONG KONG OBTAINING A CRYPTO LICENSE IN ESTONIA OBTAINING POKER LICENSES OBTAINING A CRYPTO LICENSE IN THE UAE OBTAINING AN EMI LICENSE , AEMI Obtaining a Crypto License in Georgia OBTAINING AN API, PI, PSP LICENSE OBTAINING A LOTTERY LICENSE IN CURACAO OBTAINING LOTTERY LICENSE CYPRUS INVESTMENT FIRM STP BROKER FOR SALE READY-MADE COMPANIES WITH BROKERAGE LICENSE GETTING AN EMI LICENSE IN EUROPE CRYPTOCURRENCY SETTLEMENTS IN UKRAINE