By Aleksander Góra, Chief Business Officer, Recoveris
Over the past 30 years, we have digitised almost every part of our lives. Letters became emails, entertainment moved to streaming, and cash increasingly gave way to digital payments. I believe finance is now entering another, more fundamental phase of that transition.
Money and financial assets are beginning to move onto shared, programmable infrastructure. Stablecoins recorded around $33 trillion¹ in transaction volume in 2025. At the same time, some of the world’s largest financial institutions are putting tokenisation into practice. UBS² is applying blockchain technology to regulated financial assets including bonds, funds and structured products. J.P. Morgan is already operating blockchain-based financial infrastructure at significant scale, with Kinexys having processed more than $3 trillion since inception.³
Tokenisation allows money, securities, funds and other assets to be represented on shared digital infrastructure, bringing activities such as transfer, reconciliation and settlement closer together. Taken together, these developments point to a market moving from experimentation towards institutional adoption. Add AI agents capable of operating and transacting on the same infrastructure, and financial activity can become increasingly automated, always on and capable of taking place at a scale and speed that traditional processes were never designed around.
That has significant implications for compliance, investigations and financial-crime controls. Human judgement will remain essential, particularly when information is incomplete or decisions are consequential. But as the volume and complexity of on-chain activity increase, the technology and processes supporting those decisions must scale too. BCG describes this as a new operating discipline for risk and compliance, moving towards integrated monitoring, real-time response and processes connecting detection, decision and action.⁴
For me, that raises a fundamental question: what will it take for compliance and investigations to keep pace as digital-asset markets evolve?
A model that is difficult to replicate
That question was central to my decision to join Recoveris as Chief Business Officer. I saw a company with deep experience built through real-world casework, and a significant opportunity to take that expertise to greater institutional scale.
The team has handled thousands of digital-asset fraud and investigation cases, working alongside banks, exchanges, law enforcement and other institutions around the world. Through that work, Recoveris has developed specialist knowledge of how assets move, how criminal behaviour evolves, where intelligence sources differ and what institutions need to move from tracing assets to meaningful action.
Recoveris has built a distinctive model around that experience, combining practitioner judgement, independent multi-source intelligence, proprietary data and technology with relationships across the institutions that ultimately need to act.
On-chain intelligence providers can offer different coverage, classifications and conclusions. Recoveris is vendor-neutral, combining multiple intelligence sources with the judgement of experienced investigators and legal and compliance practitioners.
Ultimately, the value lies in finding information and enabling better decisions. A bank assessing the provenance of a client’s digital-asset wealth needs evidence to support a defensible compliance decision. A lawyer pursuing a fraud matter needs evidence to determine the next legal or investigative step. When assets are stolen, successful outcomes depend on exchanges, banks, law enforcement and lawyers being able to act.
Taking that experience to institutional scale
My focus now is on growing Recoveris’s institutional compliance business and taking that experience to a greater scale.
Banks and wealth managers are an important part of that opportunity. Clients increasingly hold significant digital assets outside the traditional banking perimeter. Institutions that want to bring those assets into regulated banking and advisory relationships need to understand where that wealth came from and reach compliance decisions they can defend.
Recoveris supports this through its Source of Funds work, reconstructing complex digital-asset histories across wallets, chains, exchanges and other services to establish asset provenance.
There is a parallel opportunity for law firms. Crypto fraud matters require specialist investigative capabilities, multiple intelligence sources, an understanding of complex on-chain activity and relationships with organisations that may ultimately need to intervene. Recoveris enables firms to establish or expand a crypto fraud and asset-recovery practice without having to build that investigative infrastructure themselves.
Technology will play an increasingly important role in taking this capability to scale. Agentic AI can automate repetitive analytical work, bring together information from multiple sources and apply insights developed through thousands of cases more systematically, while expert judgement and human governance remain central to decision-making.
Why now
What attracted me to Recoveris was the strength of what the team has already built and the opportunity ahead. As digital assets become increasingly embedded in the financial system, institutions need effective ways to understand risk, establish provenance, investigate suspicious activity and act when things go wrong.
Our ambition at Recoveris is to make the on-chain economy safer, compliant and more accountable.
I joined Recoveris to help turn that ambition into reality.
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References
¹ Bloomberg, Stablecoin Transactions Rose to Record $33 Trillion in 2025, 8 January 2026:
https://www.bloomberg.com/news/articles/2026-01-08/stablecoin-transactions-rose-to-record-33-trillion-led-by-usdc
² UBS, UBS Tokenize:
https://www.ubs.com/global/en/investment-bank/tokenize.html
³ J.P. Morgan, Kinexys 2026 Milestones, 28 April 2026:
https://www.jpmorgan.com/payments/newsroom/kinexys-milestones-2026
⁴ Boston Consulting Group, The Future of Digital Assets in Finance, 2026:
https://www.bcg.com/publications/2026/the-future-of-digital-assets-in-finance
