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GROW Beginner's Guide: Accredited Investor guide for United States


Typically In the United States of America, an accredited investor (defined by the SEC) must have a net worth of at least $1 million, excluding the value of their primary residence, or have an annual income of $200,000 or more for the last two years, with the expectation of earning the same amount in the current year.

See the current list of requirements and criteria here on the SEC website. The SEC may periodically update the criteria, so please check for any changes.



  • Income-Based Documentation (preferred) If you are accredited based on income, you will need to provide documentation in the form of tax returns, W-2s, or other official documents that show you meet the required income threshold for the prior two years. If you submit pay stubs, we will require an employment verification letter or similar as supplementary evidence. We cannot accept non-English documentation without a notarized translation.

  • Net Worth-Based Documentation If you are accredited based on Net Worth, you may also need to provide supporting documents to verify their net personal assets, such as: - Bank statements for the past three months; - Property ownership records, such as title deeds, mortgage statements, and property tax statements; - Investment portfolios, such as stocks, bonds, mutual funds, and other securities; - Retirement account statements, such as Central Provident Fund (CPF) statements; - Other relevant financial statements, such as insurance policies, trust deeds, and business ownership records. If you choose this verification method, we are also required to soft-pull your credit report and deduct any non-mortgage debts shown from your assets' value to arrive at your net worth. Your credit score will not be affected by this.

  • Series 7, Series 65, or Series 82 License Documentation If you are accredited based on holding a Series 7, Series 65, or Series 82 license, you must prove you hold this license and are in good standing.

DISCLAIMER : The information in this article is provided for informational purposes only and should not be construed as legal advice on any subject matter. You should not act or refrain from acting on the basis of any content included in this article without seeking legal or other professional advice


About GROW

Singapore-based GROW offers top-notch reward rates so that clients can safely grow their wealth on a leading global platform for lending and borrowing crypto assets. Additional company information and details on the GROW app can be found by visiting



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