Payment instrumentspof
POF
Proof of Funds — a bank document evidencing a buyer can pay; weaponised in reverse advance-fee schemes.
POF (Proof of Funds) is a bank-issued statement or SWIFT message showing a buyer holds or can access the funds for a purchase. Legitimate buyers provide POF via their own bank on request, and it is verifiable bank-to-bank. In scams, POF is demanded early to "qualify" a buyer, then used to solicit an upfront transmission or MT799 fee — or the POF itself is forged to impersonate a credible buyer. A PDF alone proves nothing.
See also