Allen Iverson -- Can't Be Trusted with Reebok Money ... Says Ex-Wife

Allen Iverson's ex-wife says the former NBA star can't be trusted with the nearly HALF MILLION DOLLARS he's about to earn from Reebok ... so she's asking a judge to make sure the money stays out of his pockets, TMZ Sports has learned.

We've obtained court docs filed in Georgia ... in which Tawanna Iverson says the former NBA star "flagrantly, repeatedly, and willfully" violated certain terms of their divorce ... and now she wants at least HALF of his upcoming Reebok check.

A.I.'s scheduled to earn a payment exceeding $450,000 from his recent shoe sales in January, according to the docs ... and Tawanna says that if the company hands the money over to Iverson, she'll never see a dime.

So, Tawanna is asking the judge to order Reebok to pay her $225,000 ... or at least, "further restrain him from using" the money, and require him to deposit the funds with the court immediately.