Retail Assessments
Fast, defensible crypto case handling
Retail crypto cases are rarely structurally complex, but they can be operationally disruptive to banks. Transaction volume, wallet and exchange fragmentation, and incomplete recognition all drive unnecessary escalation and inconsistent decision-making. At Cense, we strengthen retail crypto case handling through a structured, portfolio-first methodology.
The Compliance Moment
Picture this. Your retail client transfers €60,000 from a crypto exchange, triggering a transaction monitoring alert. On investigation, the client explains: “I’ve been investing since 2017.”
At that moment, your bank must determine whether the exposure is legitimate, whether the Source of Wealth is coherent, whether the client’s behaviour aligns with his profile, and whether escalation is needed.
How would you react? What would you decide?
Decode: the Cense approach
-
Collect Blockchain and Exchange data
Cense provides a wide range of possibilities for banks or her clients to input the crypto data and wallets. Cense retrieves all transactions from the blockchain and integrates all data from the crypto exchanges. This includes:
- Wide range of blockchains and wallets
- Read-only API keys of accounts on crypto exchanges
- CSV exports from crypto exchanges
- PDF exports from crypto exchanges
-
Normalise & Enrichment
Instead of working with raw exports and fragmented client submissions, we normalize wallet, exchange and transaction data into one consistent case structure. Enriching the data with asset, counterparty, pricing and transaction context, we make crypto activity reviewable, comparable and ready for compliance assessment.
We also structure and enrich:
- Deposits, withdrawals, trades and transfers
- Counterparty, chain and risk-context indicators
- Timestamps, duplicates and internal movements
- DeFi and smart contract information
-
Analyse
We turn structured crypto data into a risk-based AML assessment. Cense helps banks understand whether the client’s digital asset activity is consistent with their profile, whether the origin of funds can be evidenced, and whether the case requires standard CDD, enhanced due diligence or ongoing monitoring.
We also analyse:
- Source of Funds and Source of Wealth
- Wallet ownership and client-(un)declared activity
- Consistency with the client profile and expected behaviour
- Deposits, withdrawals, trading activity and portfolio development
- Exposure to higher-risk counterparties, services, assets or jurisdictions
- Unexplained inflows, unusual patterns and potential red flags
-
Clear reports
Cense turns crypto analysis into decision-ready reporting for every level of review. Baseline Reports support fast triage, Comprehensive Reports provide deeper Source of Funds and Source of Wealth evidence, and AI Summaries help banking teams understand and explain complex crypto activity with confidence.
We provide:
- Baseline Reports for first-line review and rapid case handling
- Comprehensive Reports for complex cases
- AI Summaries for clear explanations and crypto knowledge
- Audit-ready documentation
The Cense Difference
When it comes to decoding client crypto, Cense operates on the same solid foundations across every application. So while our methodology adapts, our gold standard of governance is a constant:
- Portfolio-first approach
- Deterministic, rule-based logic
- Automatic reconciliation and pnl
- Chainalysis integration for risk indicators
- Full data lineage and evidence traceability
- Centralised exchange + DeFi coverage
Scale through integration
With our robust API layer and Agentic AI MCP we provide several options to integrate directly into your systems and deliver the data back to where you are.
Higher granularity of data possible through direct integration
Scale from individual reviews to continuous portfolio monitoring
Trigger reports automatically from CRM or case workflows
Retain full case data in your own systems
Less manual collection and file handling
Cense Detect
Know where crypto exposure sits in your bank.
