The New Standard for Digital Wealth

Why It Matters

Portfolio‑based compliance gives banks a defensible, scalable way to meet AML rules while keeping legitimate crypto customers onboard, a critical need as digital assets become mainstream.

Key Takeaways

• Cense offers portfolio-based compliance beyond wallet risk labels
• Partnership with Chainalysis combines risk intel with wealth‑story reconstruction
• Van Lanschot Kempen uses Cense to streamline crypto onboarding
• Over 10 banks adopt Cense’s Detect‑Decode platform for digital assets
• Cense won Mastercard’s European fintech award and FinCrimeTech50 ranking

Pulse Analysis

Banks are feeling the pressure of tighter anti‑money‑laundering regulations, yet most still rely on fragmented wallet‑level checks that leave high‑net‑worth crypto holders in limbo. Traditional compliance tools can flag a risky address, but they cannot explain how wealth was built, moved, or realized, creating legal uncertainty and operational bottlenecks. As digital assets expand beyond simple tokens into tokenised securities and complex DeFi positions, regulators expect a holistic view of a client’s financial narrative, not isolated transaction snapshots.

Cense addresses this gap with its Detect‑Decode methodology. Detect scans fiat‑side banking data to surface any crypto‑related activity, while Decode aggregates wallet, exchange and on‑chain data into a single, reproducible portfolio model. By integrating Chainalysis’ risk labels, Cense adds a proven layer of threat intelligence, then enriches it with its own deterministic calculations of wealth accumulation and realized gains. The result is a transparent, audit‑ready report that satisfies both internal controls and supervisory review, eliminating the need for costly manual spreadsheets and consultant‑driven reconciliations.

The market response has been swift. More than ten banks, including the Dutch private bank Van Lanschot Kempen, have deployed Cense’s solution to streamline crypto onboarding and reduce false positives. Recognition from Mastercard’s European fintech competition and inclusion in the FinCrimeTech50 underscore the platform’s credibility. As tokenised assets and digital securities gain traction, portfolio‑centric compliance will likely become the industry standard, enabling banks to serve crypto‑savvy clients without compromising regulatory rigor.