When trading cryptocurrency on peer-to-peer (P2P) platforms like OKX, users often encounter specific verification steps to ensure secure and smooth transactions. One common request from sellers is for buyers to provide a funds flow screenshot—a visual record of recent account activity. While this may seem intrusive at first glance, it's a standard security measure designed to protect both parties. In this guide, we’ll explain what a funds flow screenshot is, why it’s required, how to create one correctly, and best practices for a seamless trading experience.
What Is a Funds Flow Screenshot?
A funds flow screenshot refers to a snapshot of your payment account’s recent transaction history—typically covering the last 1 to 3 days, depending on the seller’s requirements. This includes all incoming and outgoing transactions, showing your current balance, account name, and real-time activity.
The purpose is not to access personal financial data broadly but to verify that no large or suspicious deposits have recently entered your account. This helps reduce risks associated with chargebacks, frozen cards, or funds flagged by banks due to potential fraud.
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Why Do OKX Sellers Require Funds Flow Screenshots?
Sellers on OKX C2C rely heavily on trust and risk assessment before releasing digital assets. Here are the main reasons they ask for this verification:
1. Reduce Risk of Chargebacks
If a buyer uses funds obtained through fraudulent means (e.g., stolen credit cards or unauthorized transfers), banks may reverse the transaction after the seller has already sent crypto—resulting in financial loss.
2. Avoid Frozen Accounts
Banks often flag accounts involved in sudden high-volume cryptocurrency-related transfers. By checking recent activity, sellers can assess whether your account appears stable and low-risk.
3. Ensure Clean Fund Sources
A clean transaction history—especially one without recent large inflows—suggests that the money being used is from legitimate, long-held savings rather than newly acquired risky funds.
4. Speed Up Transaction Approval
Providing a clear, complete screenshot upfront speeds up the seller’s review process, helping you receive your crypto faster.
⚠️ Note: This process does not compromise your account security. OKX strictly prohibits sellers from storing or misusing your documents. All information shared during P2C trades should be treated as confidential.
How to Take a Valid Funds Flow Screenshot
To meet seller requirements and avoid delays, follow these step-by-step instructions carefully.
Step 1: Open Your Payment App
Depending on your payment method:
- Bank transfer: Open your bank’s mobile app (e.g., Chase, Bank of America, etc.)
- Alipay: Launch the Alipay app
- WeChat Pay: Open WeChat and navigate to Wallet > Transactions
✅ Tip: Use an account that hasn’t received any deposits in the past 1–3 days for higher approval chances.
If you don’t have your bank’s app installed, download it from your device’s official app store and link your card before proceeding.
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Step 2: Locate the Transaction History Section
Most financial apps label this section as:
- “Transaction History”
- “Balance Details”
- “Income & Expenses”
- “Account Statement”
On many banking apps (like Chase or Citibank), you’ll find it on the home screen under your balance. If not visible, check the "Profile" or "Me" tab at the bottom of the app.
Step 3: Capture a Complete Screenshot
Your screenshot must clearly show:
- ✅ Current account balance — Must exceed the total amount of the trade.
- ✅ Account holder’s full name — Should match your verified identity on OKX.
- ✅ Date range — Covering the last 1–3 days as specified by the seller.
- ✅ No redactions — Do not hide critical details unless sensitive unrelated transactions appear (in which case, crop carefully without removing key info).
Optional: Filter for Income Only
If your transaction list is long:
- Tap “Filter” or the funnel icon
- Select “Income Only” or “Credits”
- Take the screenshot after filtering
This makes it easier for sellers to confirm no recent deposits were made.
Step 4: Send It Securely via OKX Chat
Once your screenshot is ready:
- Open the OKX App
- Go to C2C > Buy Crypto > My Orders
- Select the active order
- Tap the chat icon in the top-right corner
- Attach the image file and send it directly to the seller
After sending, politely prompt the seller:
"Hello, I’ve sent my funds flow proof. Please review when possible. Thank you!"
Wait for confirmation before making any payment.
Best Practices for Smooth P2P Trading
To build trust and improve future trading experiences, consider these tips:
- 🔄 Use a dedicated bank account or e-wallet for crypto purchases with minimal unrelated transactions.
- 📅 Avoid depositing money into your payment method right before initiating a trade.
- 📸 Always double-check screenshots before sending—blur or crop only non-relevant private data.
- 🕒 Respond promptly to seller messages to keep the transaction moving quickly.
- 🔐 Never share passwords, OTPs, or login links under any circumstances.
Frequently Asked Questions (FAQ)
Q1: Is sharing my transaction history safe on OKX?
Yes, when done through OKX’s official chat system, your documents are protected. Sellers are contractually obligated not to store or misuse your data. Always avoid sending sensitive files over third-party platforms like WhatsApp or Telegram.
Q2: Can I use a different bank than the seller’s?
Absolutely. OKX supports cross-bank transfers. Just ensure your chosen bank allows outward transfers and that you follow its procedures for sending funds.
Q3: What if my app doesn’t allow screenshots?
Some banking apps restrict screenshots for security. In such cases:
- Use another device to photograph the screen
- Ensure clarity and full visibility of all required details
- Avoid glare or blurriness
Q4: Will I be asked for this every time I buy?
Not necessarily. Some sellers require it only for first-time buyers or high-value orders. Building a positive trading history reduces future verification needs.
Q5: Can I edit the screenshot to hide other transactions?
You may crop out unrelated entries, but never alter visible amounts, dates, names, or balances. Tampering with evidence can lead to trade disputes or account restrictions.
Q6: What happens after the seller approves my screenshot?
Once approved, proceed with the payment using the exact amount and method specified in the order. Notify the seller immediately after transferring and upload the payment receipt in-app.
Final Thoughts
Providing a funds flow screenshot is a small but crucial step in ensuring safe and efficient P2P cryptocurrency trading on OKX. While it adds a brief moment to the process, it significantly lowers risks for sellers—and ultimately benefits buyers through faster approvals and fewer failed trades.
By understanding the rationale behind this requirement and following proper procedures, you position yourself as a reliable trader in the growing digital asset ecosystem.
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