A change of address led to our Wise accounts being shut down

> a dropdown list of acceptable documents: a lease agreement, rates notice, tax document, utilities bill, or telecommunications bill.

It’s baffling to me that these types of (usually unsigned in both the electronic and the ink way, not that the latter would prove anything in a scan) PDFs are still somehow the gold standard for “proofs” of address.

In many countries worldwide that's the reasonable best option. A scan of a physically signed piece of paper is no better, anyone could've signed it. So long as there is no global standard for digitally signed documents, that's what we're stuck with, no?

While you can always outright commit fraud, there are many jurisdictions where there are decently strong forms of proof that go beyond a letter.

Things like tax numbers with addresses associated to them, official address registers... hell, a lot of ID cards in many jurisdictions just have your address printed on it!

Now, again, fraud is possible, but "I registered my drivers license to a fake address" is a bit of a higher hurdle than "I edited my utility PDF to show the right address".

Though there's a bit of a blessing in things like PDFs being easily editable, in that many badly organized criminals will likely do it haphazardly, leading to messy metadata, or even more amateur hour stuff around just having the font be wrong or the like. More opportunities for a fraudster to trip up, so to speak.

In countries where you do have e.g. tax numbers associated with addresses no government agency is going to give it to a random private company. I've lived in many countries both in the EU and outside of it and I can think of only a few countries where you actually could do something better than a pdf — and they use digital signatures.