Eisen, an AI-enabled compliance operations infrastructure provider for financial services, has secured a total of $18.5m in funding to address a growing dormant-account crisis affecting banks, FinTechs, and digital asset platforms.
The raise comprises a $10m Series A led by MissionOG alongside a previously undisclosed $8.5m seed round led by Index Ventures. Additional backers include Cowboy Ventures, First Round Capital, Homebrew, and Restive Ventures. Eisen intends to deploy the capital to broaden its compliance coverage and scale the team that serves FinTechs, financial institutions, and digital asset companies.
The scale of the problem Eisen is targeting is considerable. Approximately 33 million Americans currently have unclaimed property, with states holding close to $70bn in consumer assets — spanning retirement accounts, life insurance proceeds, and forgotten savings. During 2024, roughly $4.5bn was returned to rightful owners, yet billions more continue to leave bank accounts, investment accounts, and crypto wallets annually. Eisen reported that in 2025 alone it prevented more than 31% of at-risk assets from flowing into state custody, while now monitoring nearly $16bn in balances across tens of millions of accounts at close to 50 firms, among them Adyen, Binance.US, BitGo, OKX, and PeoplesBank.
The challenge is particularly pressing in the digital asset space. A growing number of US states — including California, New York, Delaware, and Florida — now classify digital assets as escheatable property, with many requiring platforms to liquidate dormant tokens at market prices the customer did not choose, creating unavoidable tax consequences. The passage of the GENIUS Act is drawing stablecoins and digital assets further into the regulated financial system, placing the platforms that hold them under state-by-state escheatment requirements that were never designed with crypto in mind. Beyond asset loss, when funds are transferred to state custody, institutions simultaneously forfeit the revenue associated with those accounts and the underlying customer relationship.
Eisen’s platform embeds state-specific regulatory requirements directly into everyday account operations, enabling institutions to identify dormancy risk earlier, reduce reliance on manual compliance work, and retain customer assets before they are lost. The platform currently addresses escheatment, tax reporting, and disbursement. Compliance and operations teams use it to cut manual workloads and mitigate dormant-account exposure, while executives rely on it to reduce regulatory risk and safeguard customer trust.
Eisen co-founder and CEO Allen Osgood said, “Every dollar in state custody represents a real person who never expected their money to disappear. The rules governing dormant assets weren’t built for crypto wallets, fintech platforms, or digital-first banking. Most institutions are sitting on 5x to 10x more liability than they realize. Eisen prevents that loss before it happens.”
MissionOG managing partner and Eisen board member Jason Tiede said, “Eisen solves a problem every financial institution, fintech, and digital asset company faces every day – and takes both the operational headache and the regulatory risk off the table. Allen and the team have built something rare: an AI-enabled compliance system of record, purpose-built for modern financial services.”
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