Yes. Log in to Binance, open Wallet, then Verification, pick a Proof of Reserves snapshot date, and confirm your Record ID and balances appear under verification type "Merkle Tree + Zksnarks". For a stronger check, download the Merkle Tree files and run Binance's official verifier so you can confirm your leaf sits under the published Merkle root.
That is the practical answer for anyone in Accra, Lagos or elsewhere who wants to see their own balance inside Binance's reserves report, not just a marketing claim.
What Is Binance Proof of Reserves?
Proof of Reserves is Binance's public report that custodial user assets are backed 1:1 for the assets in scope, with some reserves on top. Binance builds a Merkle Tree from hashed account data and balances, then uses zk-SNARKs so outsiders can check that every leaf contributed to the claimed totals and that each account's total net balance is zero or higher.
Snapshot timing, per Binance Support: user balances are captured on the 1st of each month at 00:00:00 UTC, and the result is released by the 7th. After the late-October 2026 security incident, Binance also published an extra PoR snapshot at 00:00 UTC on 31 October 2026 while it replenished affected assets.
Public page: https://www.binance.com/en/proof-of-reserves
How Can I Check Whether My Balance Is Included?
1. Sign in on binance.com (the Verification flow is designed around the website).
2. Go to Wallet, then Verification.
3. Choose the verification date you care about (for example the latest monthly report, or the 31 October 2026 special snapshot if it still appears for your account).
4. Expand the row and confirm Verification Type is "Merkle Tree + Zksnarks".
5. Read your Record ID, the list of assets covered for you, and the balances frozen at that snapshot.
6. If the page shows your data, your balance for those assets was included in that report's liability set.
No record for a date usually means you had no covered assets then, or the account did not exist yet. Check a later snapshot after you held a covered asset.
How Do I Independently Verify Using Merkle Tree and zk-SNARKs?
Inclusion on the Verification page is the first layer. Independent verification is the second.
1. From the same Verification view, download the Merkle Tree package for that date.
2. Download the matching verifier from Binance's official GitHub repository. Binance Support lists version 1.2.1 for PoR cycles from 1 August 2026 to current.
3. Put the provided config files into the verifier's config folder exactly as the FAQ instructs.
4. Run the platform verifier to confirm the root hash.
5. Run the verifier again with the user flag and your user_config.json to confirm your Merkle path and AccountIdHash (Record ID) match that root.
Step-by-step commands live here: https://www.binance.com/en/support/faq/detail/815b25f0cb054bdd9d35eccc408fe981
Treat any unofficial "verifier" site as unsafe. Only use Binance's documented tool and links.
What Does Successful Verification Tell Me, and What Are Its Limits?
Success means: for that snapshot, your covered balances were part of the Merkle tree Binance attested, and the zk proof constraints held when you re-checked them.
Limits to keep clear:
1. Snapshot, not live. A deposit made after 00:00 UTC on the snapshot day will not appear.
2. Covered assets only. Tokens outside the report's asset list are not proven by that file.
3. Net balances. Because of products such as margin and loans, the report works with equity, debt and net balance, not a simple "wallet screenshot".
4. Not a full audit of the company. PoR answers a specific custody question. It does not replace account security or your own risk limits.
SAFU (Secure Asset Fund for Users) is separate. Binance's SAFU FAQ describes it as an emergency fund for extreme cases such as security breaches, held and managed under ADGM custody arrangements, with a size of about US$1 billion as of February 2026 (market value moves with prices). PoR shows backing in a report. SAFU is a backstop if something goes badly wrong.
Frequently Asked Questions
Where can I find my Binance Proof of Reserves verification data?
Wallet, then Verification, after you log in. Pick the date, then read Record ID, assets and balances, or download the Merkle Tree files.
Which assets are covered in the snapshot I am checking?
Only those listed for that report on the PoR page and in your download. Cross-check the asset list in the package before you conclude an asset was proven.
Does Proof of Reserves guarantee protection of my funds?
No. It verifies inclusion and claimed 1:1 backing for covered assets at one moment. Markets still move, and you still need strong account controls.
Crypto involves market and platform risk. This is general information, not financial advice. Confirm every step on official Binance pages before you download tools or share screenshots of your Record ID in public chats.