Digital assets: From wallet visibility to verifiable trust

中文标题

数字资产：从钱包可见性到可验证的信任

Standard Chartered09/23/2026updated 10/17/2026

Unknown economy

Citable research brief

Core conclusion · Tlines extraction

Financial institutions are moving digital assets from experimentation to adoption, but scaling requires trust in wallet identity, ownership and control. The article argues Know Your Wallet (KYW) should be a control framework—not a one-off screening—linking off-chain identity to on-chain activity through identity, wallet verification, eligibility, traceability and governance. Wallet screening alone cannot prove ownership, authority or control continuity. A five-component trust stack and lifecycle processes are proposed, with controls calibrated by use case and jurisdiction.

Institution: Standard Chartered
Published: 09/23/2026
Research topic: Not explicitly stated
Time horizon: Not explicitly stated

Key arguments

Blockchain makes transactions visible, but visibility alone does not prove who owns a wallet, who controls the keys, or whether the wallet is authorized after onboarding.
Know Your Wallet should be an ongoing control framework linking customer identity, wallet ownership, authority, sanctions exposure, governance and monitoring—not a one-off screening.
Wallet screening is necessary but insufficient: a clean result does not prove client ownership, authority or unchanged control environment.
A layered trust stack (identity, wallet ownership/control, eligibility, ongoing traceability, governance) preserves control outcomes across traditional and digital environments.

Key numbers

Trust stack components: 5
Priority questions for FI leaders: 3
Illustrative fund type: Tokenised money market fund

Main risks

Clean wallet screening does not prove client ownership, transaction authority, or that the control environment remains valid after onboarding.
Blockchain transparency alone cannot resolve pseudonymity, delegated control, multi-signature arrangements or omnibus structures.
Digital identity frameworks will only be useful if interoperable, privacy-conscious, legally recognised and aligned with financial crime, sanctions and data protection expectations.

Corresponding source evidence

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Context: the conclusion is Tlines' automated extraction, not the institution's wording. Quoted evidence is publisher wording. Scope and date must travel with the conclusion.

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