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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.

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client onboarding compliance for private banks

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?

Where the traditional
approach breaks down

Today, many retail crypto reviews rely on slow and complicated transaction-by-transaction screening and a manual reconstruction of the client’s trading history, with isolated wallet risk labels.
 
This creates structural weaknesses: an incomplete recognition of exposure and lack of coherence at the portfolio level, leading to the weak defensibility of your documentation and decisions.
 
As a result, similar cases may receive inconsistent treatment, escalations increase and audit justification becomes harder over time.

The Cense Approach

  1. Exposure Detection

    Send your crypto owner a link and they’ll receive a co-branded email to register with Cense.

  2. Portfolio-Level Reconstruction

    Instead of reviewing isolated transactions, we reconstruct the client’s full crypto portfolio across wallets and exchanges. Assessing Source of Wealth structurally, not transaction-by-transaction, we also analyse:

    • Total deposits and withdrawals
    • Trading history and holding patterns
    • Market-driven gains versus unexplained inflows
    • Behaviour consistency over time.
  3. Structured Decision Support

    Work with us and you’ll receive evidence-backed, audit-ready retail reviews that deliver:

    • A clear overview of exposure
    • A documented risk context
    • A substantiated recommendation (whether to accept, escalate or request additional information).

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:

  • Governance-ready outputs.
  • Deterministic, rule-based logic
  • No black-box scoring
  • Full data lineage and evidence traceability
  • Centralised exchange + DeFi coverage
  • Portfolio-first interpretation

Baseline reports

Enabling fast, confident decision-making, our Baseline Reports deliver a clear overview of client crypto exposure including a risk score and Source of Wealth analysis, guiding teams on where to focus and how to escalate.

Read more about Baseline Reports

Comprehensive reports

Our Comprehensive AML Reports include more in-depth analysis of your clients’ crypto holdings, with added AI interpretation to enable faster exploration and support your documentation process.

Read more about Comprehensive Reports

Talk to us.

Whether you manage retail exposure, complex corporate portfolios, high-volume VASPs or HNI clients, Cense provides structured clarity wherever crypto meets regulation.

Talk to an expert at Cense