Cense
Cense, a 2023 spinout of the on chain analytics firm Glassnode, gives banks the evidence they need to take on clients whose wealth came from digital assets. Detect identifies client crypto exposure, and Decode imports wallet, exchange, blockchain, fiat and client submitted data into one case, matches transfers, removes duplicates, resolves overlaps and validates balances, then enriches the result with counterparty intelligence, risk context and pricing to reconstruct where a client's value came from and which wallets they control.
Output is structured, reviewable evidence for source of funds and source of wealth assessment under MiCA and the new Anti Money Laundering Authority regime, and Van Lanschot Kempen, Rabobank Investments and Arab Bank appear among its named users.
Capability Axes
Capability grades
15 of 15 axes rated · 10 graded A or B
Proprietary heuristics drive the analysis, with AI assisted workflows and an AI summary in Decode reports layered on top. Underneath is a reconciliation and evidence platform on a strong data foundation, and it would stand without the models.
Evidence, not verdicts, is the output: structured, reviewable analysis on which a compliance team reaches and justifies the decision. Someone named decides and can show why, which puts human adjudication inside the decision path.
Transfers are matched across sources, duplicates removed and balances validated, so a reconstruction that fails to reconcile is visibly wrong. How often ownership attribution or source of wealth reconstruction is correct carries no published figure.
Named clients come without a measured outcome. Van Lanschot Kempen, a Dutch private banking and wealth group, has discussed working with Cense to onboard crypto wealth at scale, Mastercard and Giesecke+Devrient are among the organizations it counts as trusting it, and anonymized client stories describe onboarding a trader with more than 500,000 trades and over €30 million in assets.
Attribution intelligence improves with every resolved case, and the private banks served compete for the same wealthy clients. Whether one institution's wallet disclosures and ownership findings inform cases elsewhere is not answered in the trust center or privacy policy.
Source of wealth reconstruction rebuilds how a person accumulated value over years across wallets, exchange accounts and fiat flows, an unusually complete record. The privacy policy, modified March 26, 2025, covers website visitors and points platform data to a separate service notice, so retention and handling for case files are not in documents a buyer can open directly.
Dates and auditor are not stated. A SOC 2 Type II report scoped to security and availability is listed on the trust center, released on request alongside the information security policy.
Fit with each bank's obligations is for the buyer to verify, since no license stands behind this work. Markets in Crypto Assets Regulation, the Anti Money Laundering Authority and the Travel Rule are named as the instruments the source of wealth evidence serves.
Attribution accuracy by wallet type, exchange or region is unevaluated, and no governance framework is named. Access is the stated purpose: helping institutions serve legitimate clients with crypto wealth instead of declining them, against a common pattern of exclusion by attribution or proximity.
Correcting a wrong attribution or misread source of wealth after it enters a case file is not described, and no guarantee or indemnity is published. Clients still get a real route to acceptance: they can submit their own wallet and exchange records and be assessed on documented evidence rather than declined without explanation.
Its AI summary runs on an unnamed model, and a subprocessor list and hosting arrangement are not published. As a Glassnode spinout, Cense builds on the on chain analytics foundations Glassnode developed, and its input categories run across on chain, exchange, fiat and client submitted data.
Wallet, exchange and fiat data, plus client submitted records, arrive in one case environment, and reports are built to fit existing financial crime workflows. Which case management or onboarding platform it connects to is left open.
Domicile in Baar, Switzerland carries expectations about banking client data, yet hosting provider, region and residency commitment are unpublished. Vendors operating globally are noted in the privacy policy, leaving the location of reconstructed wealth histories unclear.
Engagement runs through the sales team, and beyond Detect being sold as a monthly subscription, pricing and packaging are unpublished. Economics differ sharply between a private bank onboarding a few crypto wealthy clients and a retail bank screening its book through Detect.
Private and retail banks are the buyers, with relationship managers, compliance teams and financial crime specialists each served inside them. Coverage runs from exposure detection through source of wealth analysis to ongoing review, focused on Europe and on crypto exposure rather than financial crime generally.
Compared With
Most editorial comparisons pair two vendors the index assesses as direct competitors for the same buyer. Some pair vendors that are adjacent rather than rival, where the useful question is where one ends and the other begins. Each carries a verdict, the buyer conditions that favor each vendor, and a graded side by side.
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Pricing
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