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In compliance with US federal regulations, Singapore regulations, and global AML requirements, Anchorage Digital requires additional information related to deposit activities to fulfill “Know Your Transaction” (KYT) obligations. Beginning June 15, 2023 (Anchorage Digital Bank) or October 16, 2023 (Anchorage Digital Singapore), Anchorage Digital may ask you to identify the sending party of deposits from unrecognized wallet addresses, including the sender’s name and country. Any address added to your trusted sources is automatically attributed.
Read more about trusted sources in the user guide.

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Types of deposits

Deposits landing in your wallets fall into two categories:
  1. Known deposit — from a recognized source wallet.
  2. Unknown deposit (dust, spam, etc.) — from unrecognized addresses; may include address poisoning, dusting attacks, and similar activity.
If a deposit has not been automatically attributed and the source is not a trusted source, you must attribute it manually.

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How to attribute a deposit

Three options are available:
  1. Deposit attribution API
  2. Deposit attribution (spam) API
  3. Deposit attribution via web dashboard
Attribute a known deposit
// POST https://api.anchorage-staging.com/v2/deposit-attributions/{depositTransactionId}

{
  "notes": "{Deposit Memo Here}",
  "originatorCountry": "{Originating Country Here}",
  "originatorName": "{Originator Name Here}",
  "sourceWalletType": "{Originating Wallet Type Here}"
}
Field guidance:
  • originatorCountry & originatorName — provide the actual person or entity that sent the funds, not the financial institution.
  • sourceWalletType:
    • CUSTODIAL — the wallet owner does not hold the private key; a third party does (e.g., Binance, Coinbase, Kraken, BitGo).
    • SELF_HOSTED — the wallet owner holds the private key (e.g., MetaMask, Trust Wallet, Ledger, Trezor, Electrum, Exodus, Phantom).

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Trusted sources

Trusted sources are addresses for which attribution is applied automatically on future deposits. Create trusted sources in the Anchorage Digital dashboard — this is not currently available via API. Trusted sources are recommended for addresses you expect to receive recurring or multiple deposits from. If Anchorage Digital cannot make an attribution with available data, the client is responsible for providing the required information via API before assets are accessible in the wallet.

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Automatic attribution by Anchorage Digital Bank

Crypto deposits from VASPs over $2,100 (the travel rule reporting threshold) are automatically attributed if Anchorage Digital receives a travel rule message from an active TRUST network participating VASP. This process is not instant — use the deposit attribution API if faster access to funds is needed. If automatic attribution fails, one or more of your authorized users will be notified by email. Follow the step-by-step instructions in the web dashboard to attribute pending deposits.

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Deposit webhooks

Use webhooks to get notified when funds arrive in your wallet. Alternatively, poll for pending attributions via the list deposit attributions endpoint.
Deposit webhook notifications are not immediate — delivery can take a few minutes pending on-chain confirmation. Confirmation timing depends on the blockchain, but typically requires 2 confirmations.

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Spam and unknown deposits

Deposits identified as spam or dusting can be attributed as SPAM, preventing unwanted balances from appearing in account statements or trading balances. If these balances need to be removed, Anchorage Digital will coordinate sweeping the assets into a sanctioned Anchorage-owned wallet.

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API reference

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Deposit status values

statusDescription
PENDINGDeposit landed after Anchorage Digital auto-attribution attempt. Deposits marked spam by Anchorage will not appear here.
INITIATEDDeposit detected; Anchorage Digital attempting automatic spam attribution. Moves to PENDING if auto-attribution fails.
ATTRIBUTEDTerminal state — happy path.
UNDER_REVIEWAttribution completed but triggered a sanctions hit pending compliance clearance.
BLOCKEDDeposit confirmed as a true sanctions hit.
NON_ATTRIBUTABLESemi-terminal state applied in specific edge cases.

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Attribution type values

attributionTypeDescription
MANUAL_STAFFAttributed by Anchorage Digital staff using previously known source wallet information.
MANUAL_CLIENTAttributed by the wealth manager via web dashboard.
CLIENT_APIAttributed by the wealth manager via API key.
AUTOMATICAttributed automatically via travel rule information from the originating VASP.
SPAMAttributed as spam by Anchorage Digital or the wealth manager.
TRUSTED_SOURCESAttributed automatically using previously collected information for a designated trusted source.

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Background

Anchorage Digital Bank (ADB) is the only federally chartered crypto bank in the US and an unequivocal qualified custodian. Anchorage Digital Singapore (ADS) is a licensed Major Payment Institution regulated by the Monetary Authority of Singapore (MAS). KYT requirements reflect the broader movement to bring crypto into the regulatory perimeter. As global AML standards are adopted more widely, the deposit attribution process will become increasingly automated. Contact your relationship manager or client experience manager with any questions.